KR100822942B1 - System for newly Processing Financial Goods - Google Patents

Abstract

The present invention relates to a method and system for processing new online financial products and a program recording medium therefor. The method for processing new online financial products according to the present invention provides new financial product application information in connection with a customer terminal connected online. Receiving and opening the financial product under the new name in the customer's name; and when the funds are transferred to the account corresponding to the financial product opened under the new provision, the withdrawal prevention lock so that the funds transferred to the account are not withdrawn. (Lock) setting, and upon receipt of a real name confirmation result of the customer who opened the new financial product from the financial company counter terminal or the financial company server, releases the withdrawal prevention lock set in the account, Realizing the real name of the customer who converted to the new service and opened the provisional financial instrument from the financial institution counter terminal or financial institution server within a certain period of time. If no result is received, or if a cancellation request is received from the customer, transferring the funds transferred to the account to a mother account (the mother account that transferred the funds to the account).

Online, financial products,

Description

System for newly Processing Financial Goods

FIG. 1 is a diagram illustrating a financial product provisional processing system for on-line provisional processing of financial products according to an embodiment of the present invention.

2 is a diagram showing the configuration of the new provision processing information for the new provision processing of the financial product according to an embodiment of the present invention.

3 is a diagram showing the configuration of the new provision processing information for the new provision processing of the financial product according to another embodiment of the present invention.

4 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to an embodiment of the present invention.

5 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to another embodiment of the present invention.

6 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a customer terminal according to an embodiment of the present invention.

7 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server according to an exemplary embodiment of the present invention using a symmetric key (or secret key) method.

8 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal according to an embodiment of the present invention.

9 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server according to an embodiment of the present invention using a public key infrastructure.

10 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal according to an embodiment of the present invention.

11 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server according to an exemplary embodiment of the present invention by an electronic envelope method.

12 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server according to an embodiment of the present invention using a key exchange method.

FIG. 14 is a diagram illustrating a procedure of processing a new provision of a financial product according to an exemplary embodiment of the present invention. FIG.

FIG. 15 is a diagram illustrating a new provision processing procedure of a financial product according to another exemplary embodiment of the present invention. FIG.

FIG. 16 is a diagram illustrating a procedure of falsely processing a financial product according to another exemplary embodiment of the present invention. FIG.

17 is a diagram illustrating a financial product provisional processing system for on-line provisional processing of financial products according to another embodiment of the present invention.

FIG. 18 is a diagram illustrating the construction of provisional new processing information for provisional processing of a financial product according to an embodiment of the present invention. FIG.

FIG. 19 is a diagram illustrating a new provision processing information structure for a new provision processing of a financial product according to another exemplary embodiment of the present invention. FIG.

20 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to an embodiment of the present invention.

FIG. 21 is a diagram illustrating an information providing process for online pseudonym processing of a financial product according to another exemplary embodiment of the present invention. FIG.

FIG. 22 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a customer terminal according to an embodiment of the present invention.

FIG. 23 is a diagram illustrating a method of decrypting financial product application information encrypted and received at an information processing server by a symmetric key (or secret key) method according to an embodiment of the present invention.

FIG. 24 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal according to an embodiment of the present invention.

FIG. 25 is a diagram illustrating a method for decrypting financial product application information encrypted and received by an information processing server according to an embodiment of the present invention using a public key infrastructure.

FIG. 26 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal according to an embodiment of the present invention.

FIG. 27 is a diagram illustrating a method for decrypting financial product application information encrypted and received by an information processing server according to an embodiment of the present invention by an electronic envelope method.

FIG. 28 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal according to an embodiment of the present invention.

FIG. 29 is a diagram illustrating a method for decrypting financial product application information encrypted and received by an information processing server according to an embodiment of the present invention using a key exchange method.

30 is a diagram illustrating a procedure of processing a new provision of a financial product according to an embodiment of the present invention.

FIG. 31 is a view illustrating a new provision processing procedure of a financial product according to another exemplary embodiment of the present invention. FIG.

32 is a view showing a false new process of financial products according to another embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: information processing server 145: information receiving unit

150: Ga Shin Kyu Opening Department 155: Account Management Department

160: real name verification unit 165: new account processing unit

170: financial system 175: customer terminal

The present invention provides a financial product application information for online pseudo-processing of financial products according to the present invention to a web server through a predetermined network means at a predetermined customer terminal, the financial product application provided from the customer terminal in the web server The present invention relates to a system and method for providing new information processing of a financial product corresponding to the financial product application information by providing information to an information processing server provided in a predetermined financial institution.

Financial accounts established at certain financial institutions for at least one financial transaction under the Real-name Financial Transactions and Confidentiality Act and Presidential Decree (Presidential Decree No. 15744) shall be subject to the financial transaction customer real-name verification procedure as prescribed by the Act. Must pass through and not violate it.

However, the real name verification process of a financial transaction customer prescribed by the law is limited to the real name verification process through face-to-face and the non-face-to-face name verification process using an accredited certificate. It may be made in person by visiting the counter of the institution, and / or if the customer is an internet banking member of the financial institution, it may be limited only through an accredited certificate issued for the internet banking.

That is, the law requires a financial institution to visit the customer at a window of the financial institution to open a financial account, such as a financial product sale, and / or sell the financial product only to a conventional customer of the financial institution. It includes a difficult problem that can only be done.

An object of the present invention, in connection with a customer terminal connected via online, receives new financial product application information, opens the financial product under a new name in the name of the customer, and responds to the financial product opened under the new one. When funds are transferred to an account to be set, a withdrawal lock is set so that the funds transferred to the account are not withdrawn, and a real name confirmation result of a customer who opens the new financial product from a bank window terminal or a bank company server is received. When the withdrawal lock is set in the account, the new provision is converted into a new transaction, and a real name confirmation result of a customer who opens the new financial instrument from a financial institution window terminal or financial institution server is received within a certain period of time. Or if a cancellation request is received from the customer, the funds transferred to the account are transferred to the parent account (the parent account that transferred the funds to the account). It is a new online financial product processing methods and systems for material processing to provide.

The on-line financial product new processing system according to the present invention, in connection with a customer terminal connected via online, receives a new financial product application information and establishes a financial product provisional provision that opens the financial product under a new name under the customer's name. Way; An account management means for setting a withdrawal lock to prevent the withdrawal of funds transferred to the account when funds are transferred to an account corresponding to the newly opened financial product; And receiving a real name confirmation result of a customer who has opened the pseudo-financial product from a financial institution window terminal or financial institution server, in connection with the account management means, releases a withdrawal lock set for the account, If a new conversion is not received and a real name confirmation result of a customer who opens the new financial instrument from a financial institution window terminal or a financial institution server is not received, or a cancellation request is received from the customer, the funds transferred to the account are returned. And a new financial instrument processing means for transferring the funds to the mother account-the mother account-the funds transferred to the account.

According to the present invention, the account corresponding to the financial product opened by the provisional provision is characterized in that it comprises a virtual account.

On the other hand, the on-line financial product new processing system, in connection with the customer terminal connected via the online, financial product provisional opening means for receiving new financial product application information, and open the financial product as a new provision in the name of the customer; An account management means for transferring the funds transferred to the account to a virtual account having a withdrawal lock when the funds are transferred to an account corresponding to the newly opened financial product; And receiving a real name verification result of a customer who has opened the pseudo-financial product from a financial institution window terminal or a financial institution server, in connection with the account management means, transfers the funds deposited in the virtual account to the account, When a new name is changed and a real name verification result of the customer who opened the new financial product is not received from the financial institution window terminal or the financial institution server within a predetermined period, or when a cancellation request is received from the customer, the virtual account is transferred to the virtual account. And a new financial product processing means for transferring the funds to the mother account-the mother account which transferred the funds to the account.

According to the present invention, the financial product provisional establishment means receives new financial product application information in connection with a financial company server selling or establishing the financial product, or a new financial product in connection with an Internet website such as an Internet portal site. Receive application information.

According to the present invention, the financial product provisional establishment means, in connection with the customer terminal, further receives at least one or more financial product provisional application information, financial transaction application information, and Internet banking subscription application information. It is done.

According to the invention, it characterized in that it further comprises an information transmitting means for transmitting the real name confirmation guide information for the new conversion of the new provision to the customer communication means.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording a program for executing a function of each means provided in the above-described online financial product new processing system.

On the other hand, the new online financial product processing method according to the present invention, in connection with a customer terminal connected through the online, receiving new financial product application information, and opening the financial product in a new name under the customer name; Setting a withdrawal lock to prevent the withdrawal of funds transferred to the account when funds are transferred to an account corresponding to the newly opened financial product; When the real name confirmation result of the customer who opened the new financial product is received from the bank window terminal or the financial company server, the withdrawal lock set on the account is released, the new bank is newly converted, and within a predetermined period of time. If the real name confirmation result of the customer who opened the new financial instrument is not received from the financial institution window terminal or the financial institution server, or if a cancellation request is received from the customer, the funds transferred to the account are transferred to the mother account-the account. Transferring to a single parent account-characterized in that comprises a.

On the other hand, the new online financial product processing method according to the present invention, in connection with a customer terminal connected through the online, receiving new financial product application information, and opening the financial product in a new name under the customer name; When the funds are transferred to an account corresponding to the newly opened financial product, transferring the funds transferred to the account to a virtual account having a withdrawal lock; When the real name confirmation result of the customer who opened the new financial instrument is received from the financial institution window terminal or the financial institution server, the funds deposited in the virtual account are transferred to the account, the new provision is changed to a new one, and within a certain period of time. If the real name verification result of the customer who opened the new financial instrument is not received from the financial institution window terminal or the financial institution server, or if a cancellation request is received from the customer, the funds transferred to the virtual account are transferred to the mother account-the account. Transfer processing to the transfer of the parent account-characterized in that comprises a.

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 based on the contents throughout the present title.

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

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

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

1 is a diagram illustrating a financial product provisional processing system for on-line provisional processing of financial products according to an embodiment of the present invention.

In more detail, Figure 1 provides a financial product application information for online pseudo-processing of the financial product according to the present invention from the predetermined customer terminal 175 through the predetermined network means to the web server 100, the web By providing the financial product application information provided from the customer terminal 175 in the server 100 to the information processing server 140 provided in a predetermined financial institution, the information processing server 140 corresponds to the financial product application information As a system configuration for carrying out the novelty processing of financial products to those of ordinary skill in the art to which the present invention pertains, referring to and / or modifying the present Figure 1 for the online novelty processing of financial products Various implementation methods for the construction of a financial product provisional processing system may be inferred, but the present invention includes all implementation methods inferred from the above, and is shown in FIG. Exemplary methods shall not be limited to.

Referring to FIG. 1 according to an embodiment of the present invention, a financial product provisional processing system for on-line provisional processing of a financial product according to the present invention includes at least one member registering online financial products of at least one director. The customer terminal 175 and the customer terminal 175 are connected to each other through a predetermined network means to receive predetermined financial product application information from the customer terminal 175, and receive the received financial product application information. A web server 100 provided to an information processing server 140 provided at a financial institution, and the web server 100 are connected through a predetermined interface means to receive the financial product application information from the web server 100. And, the information processing server 140 for processing a financial product corresponding to the financial product application information in the customer's name based on the received financial product application information on a new basis, and It is achieved by having a financial system 170 for operating a treatment instrument to trail group rules.

Here, the financial system 170 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. 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 system 170 and at least one other financial system 170 (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, tele banking, TV banking, etc.) to the financial system 170 And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 170 further includes the financial system. Interface module corresponding to the middleware platform that provides inter-component interfacing in the system 170 and predetermined information (eg, ledger information) required for each function in the component in the financial system 170. , And / or customer information, and / or management information, etc.) and comprises at least one database management system (DBMS) including at least one database for storing and managing the information. Financial transactions shall be governed by the Financial Accounting Act and its concurrent decree (Presidential Decree No. 15744). If the response blindness financial accounts that are effectively treated.

According to the implementation method of the present invention, the financial system 170 is the intention of those skilled in the art and / or the type of each financial institution (for example, commercial bank, savings bank, trust bank) and the financial system 170 is provided and the According to the purpose and characteristics of the financial system 170, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Those skilled in the art to which the present invention pertains will be familiar with the technical details of the financial system 170, and thus the detailed description thereof is omitted for convenience, and thus the present invention is not limited thereto. .

According to an exemplary embodiment of the present invention, the financial system 170 provided in the financial institution includes at least one window terminal and a predetermined financial network (for example, a branch office) provided at a branch (and / or a branch) of the financial institution. Network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

In addition, the financial system 170 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 170 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 170 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 170 is characterized in that it is linked to a predetermined IC chip-based wireless banking server, and based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server At least one through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to the above financial transaction customers.

In addition, the financial system 170 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 170 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 170 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

According to the present invention, a customer who wants to register a predetermined financial product online through the at least one customer terminal 175 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The web server 100 is accessed and various application services provided by the web server 100 are provided.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-based wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless A wireless data communication terminal connected to the emitter, such as communication network preferably comprises at least one.

In addition, the web server 100 is a search service including at least one information / content to a customer terminal 175 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network. Including a portal server and / or search server that provides a personalization service, and / or mail service, and / or messenger service, and / or various information providing services, including, and / or minihompy / blog It is preferable to make.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 175 is sold to (or requested to open) the at least one customer online by the financial institution. Characterized in that it comprises the financial product information.

In addition, the web server 100 has at least one user interface for the customer to purchase (or apply for a financial product) through the network means including the wired communication network and / or wireless communication network to the customer terminal 175, wherein the customer terminal 175 inputs (or selects) the financial product application information for the online provisional processing of the financial product according to the present invention through the user interface to the wired communication network. And / or to the web server 100 through a network means including a wireless communication network.

To this end, the customer terminal 175 outputs at least one user interface provided from the web server 100, and inputs and / or selects at least one financial product application information through the user interface to the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, input at least one financial product application information through the user interface, and Since the features of the customer terminal 175 corresponding to at least one or more wired terminals and / or wireless terminals that are selected and transmitted to the web server 100 can be easily inferred, a detailed description thereof is omitted for convenience. do.

According to the method of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 175 and connecting a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 is connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 175 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. Do.

For example, when the client terminal 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 1, when the predetermined client terminal 175 is connected to the web server 100 through the interface unit 105, the web server 100 interworks with the interface unit 105. The user terminal 175 generates a predetermined user interface (or extracts from a predetermined web source D / B (not shown)) to input (or select) and transmit predetermined financial product application information in the client terminal 175. To receive predetermined financial product application information input (or selected) and transmitted from the customer terminal 175 through the user interface in cooperation with the interface providing unit 110 and the interface unit 105. And an information relay unit 130 that provides the information receiving unit 120 and the received financial product application information to an information processing server 140 provided in a financial institution through a predetermined interface means.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 175, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 175 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 100 stores the received financial product application information on a predetermined storage medium 135 for the post management of the financial product application information received through the information receiving unit 120. It is preferable that the storage unit 125 is further provided.

The interface providing unit 110, when a predetermined customer terminal 175 is connected to the web server 100 through the interface unit 105, corresponding to the functional configuration provided in the customer terminal 175, the financial Input (or select) product application information to generate a predetermined user interface which can be transmitted to the web server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit In connection with 105, a user interface generated (or extracted from a predetermined web source D / B (not shown)) is provided to the customer terminal 175 through the network means.

Thereafter, the customer terminal 175 inputs (or selects) the financial product application information based on the user interface, and inputs the input (or selected) financial product application information through the network means to the web server 100. To send).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 110 is the customer. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a browser program and / or a communication program included in the terminal 175, and the image is transferred through the interface unit 105. It is preferable to provide the user terminal 175 with a user interface generated previously (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 includes a browser program provided in the customer terminal 175. And / or generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to the communication program, and generate the generated (or predetermined web source D / via the interface unit 105). The user interface extracted from B (not shown) is preferably provided to the customer terminal 175.

According to an embodiment of the present invention, a user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 175 may include: An interface for selecting at least one financial product to purchase (or apply for) and an interface for outputting financial product details such as investment period and expected return on the financial product and confirming that the customer has confirmed the financial product details. And an interface for outputting the terms and conditions information corresponding to the financial instrument, and inputting an interface for the customer to agree to the terms and conditions, an amount for the customer to invest (or deposit) in the financial instrument, and investing in the financial instrument. And at least one interface for inputting (or selecting) customer information about the customer. Be formed is preferred.

As a result, the customer terminal 175 selects at least one financial product to be purchased (or applied for) from the plurality of financial products through the user interface, and financial product selection information corresponding to the financial product. Input (or select) the product agreement agreement information, the financial product investment amount information, and the financial product application information including at least one of the customer information and transmit the information to the web server 100 through the network means.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 175 may be provided with a financial information such as a password for a financial account corresponding to the financial product. Preferably, the device further comprises an interface for inputting product security information. When the financial product application information is further included in the financial product application information, the financial product application information is encrypted using a predetermined encryption method so that the web server ( 100).

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 175, the financial product application through the web server 100 is financed Until the real name is confirmed, it is preferable to include the interface that outputs the provisions of the provisions of the provisions provisional information and the provisions of the provisional processing period to specify that the processing is a provisional provision and confirms that the customer has consented to the provisional provisions, When the terms and conditions information and the provisional processing period information is included in the terms and conditions information corresponding to the financial product, the interface that the customer agrees to the provisional processing can be omitted, thereby the present invention is not limited.

If the web server 100 provides the user terminal 175 with the user interface agreeing with the pseudo-processing, the client terminal 175 processes the information regarding the pseudo-terms and information through the user interface. Input (or select) the provision of new provisions including period information to the web server 100 through the network means, and the user interface agreeing to the provisions of the provisions according to the intention of the person skilled in the art applied for the financial products When included in the interface, the customer terminal 175 inputs (or selects) the provisional application information through the financial product application interface and transmits the information to the web server 100 through the network means.

In addition, when the customer applying for the financial product is not a conventional financial transaction member for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution. Or / or the financial product requesting customer has no experience processing a financial transaction with the financial institution), and inputs predetermined financial product application information from the customer terminal 175 in the web server 100 ( Or optionally) the user interface provided for receiving, preferably comprises an interface for outputting the financial transaction application terms and conditions for processing the financial transaction with the financial institution and confirming that the customer agrees to the financial transaction application terms. The financial transaction application terms and conditions are included in the terms and conditions information corresponding to the financial instrument, and / or When the financial transaction application is processed in the real name verification process for the financial product, the interface for the customer to apply for a financial transaction with the financial institution can be omitted, whereby the present invention is not limited.

If the user interface for the financial transaction application is provided from the web server 100 to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the user interface. When the user interface for the financial transaction application is included in the financial product application interface according to the intention of the person skilled in the art, the customer terminal 175 is transmitted to the web server 100 through the network means. The financial transaction application information is input (or selected) through the application interface and transmitted to the web server 100 through the network means.

In addition, the customer applying for the financial product is not a member of a conventional financial transaction for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution). Or / or an Internet banking member of a financial institution whose customer applies for the financial instrument, and / or the customer applying for the financial instrument corresponds to the financial instrument. If not, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 175 is based on the financial institution and the Internet banking system. Output the Internet banking subscription terms and conditions for processing financial transactions, and agree to the internet banking subscription terms. It is preferable to include an interface for confirming the sound, the Internet banking subscription terms are included in the terms and conditions information corresponding to the financial product, and / or the financial transaction application is processed in the real name verification process for the financial product In this case, the interface for the customer to apply for a financial transaction based on the Internet banking system with the financial institution may be omitted, and the present invention is not limited thereto.

If the user interface for the internet banking subscription request is provided from the web server 100 to the customer terminal 175, the customer terminal 175 inputs the internet banking subscription request information through the user interface (or Selects and transmits to the web server 100 through the network means, and when the user interface for the internet banking subscription application is included in the financial product application interface according to the intention of a person skilled in the art, the customer terminal 175 The Internet banking subscription application information is input (or selected) through the financial product application interface and transmitted to the web server 100 through the network means.

Here, the Internet banking subscription application information may further comprise Internet banking registration information for the customer to process the financial transaction through the Internet banking system for the financial products that the customer applies through the web server 100. .

The information receiving unit 120 inputs (or selects) predetermined financial product application information through the user interface in the customer terminal 175 and transmits the information through the network means. And receiving the financial product application information, and the received financial product application information is provided to the information relay unit 130 and / or the information storage unit 125.

Herein, the financial product application information includes financial product selection information for selecting at least one financial product to be purchased (or applied) by the customer among the plurality of financial products, financial product terms and conditions agreement information corresponding to the financial product, and Preferably, the financial product investment amount information and at least one customer information are included.

According to one embodiment of the invention, the financial product application information is preferably made further comprises the provisional application information, and / or preferably further comprises the financial transaction application information, and / or the Internet It is preferable to further include banking subscription application information.

According to another exemplary embodiment of the present invention, the information receiver 120 may further receive predetermined provisional application information corresponding to the provisional application information provided to the customer terminal 175 in addition to the financial product application information. And / or further receive predetermined financial transaction application information corresponding to the financial transaction application interface provided to the customer terminal 175, and / or apply for the internet banking subscription provided to the customer terminal 175. It is preferable to further receive the predetermined Internet banking subscription application information corresponding to the interface.

The information storage unit 125 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) ) Is stored in a predetermined storage medium 135, whereby the web server 100 (or web server 100 operating institution) based on the financial product application information stored in the storage medium 135 As a result, the financial institution provides a basis for receiving a fee for attracting customers to apply for the financial product.

The information relay unit 130 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) ) Is relayed and transmitted to the information processing server 140 provided in the financial institution corresponding to the financial product (for example, the web server 100 is requested to attract a financial product application customer) through a predetermined interface means. It is done.

Here, the interface means for connecting the web server 100 and the information processing server 140, a dedicated communication network that blocks access by a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the financial product application information (and / or financial product trail application information, and / or in the web server 100) Financial transaction application information, and / or Internet banking subscription application information) by encrypting a predetermined encryption method and transmitting the same to the information processing server 140 and the decryption method corresponding to the encryption method in the information processing server 140. And a network for decrypting the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) through Preferable.

According to another exemplary embodiment of the present invention, when the information processing server 140 has a web server 100 function and / or the information processing server 140 is an internet banking server, the information relay 130 ) By linking the customer terminal 175 and the information processing server 140 to relay, the financial product application information (and / or financial product trail) from the information processing server 140 to the customer terminal 175 Rules application information, and / or financial transaction application information, and / or Internet banking subscription application information), which may be relayed to directly provide a predetermined user interface, whereby the information processing server 140 may Direct the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) from the client terminal 175 via a network means of It is possible to receive by contact, thereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 140 includes an information receiver 145 for receiving financial product application information provided from the web server 100 through the interface means, a predetermined financial system 170, In connection with the new provision opening section 150 for opening a financial account corresponding to the financial product corresponding to the financial product application information received through the information receiving unit 145 as a new provision, and the financial account opened as the provisional provision The account management unit 155 manages the amount of money deposited before the real name confirmation of the customer applying for the financial product, and the real name of the customer applying for the financial transaction for the financial account opened in a new manner corresponding to the financial product application information. When the real name is confirmed in the real name confirmation unit 160 to confirm whether the real name is confirmed within the real name confirmation period and a financial account opened in a new provision corresponding to the financial product application information, Provided with a new account processing unit 165 to process the financial account opening gyuro a new financial account it is characterized in that formed.

The information receiving unit 145 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription provided from the web server 100 via the interface means) Application information), and the received financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). It provides to the establishment part 150.

According to one embodiment of the present invention, financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) provided from the web server 100 is When encrypted, the information receiver 145 decodes the encrypted financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). It is preferable to further comprise.

The provisional opening unit 150 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / from the web server 100 via the information receiving unit 145, and / Or, if the banking subscription application information is provided, read the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). A financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) is newly opened through the financial system 170. Characterized in that.

Here, the provisional opening unit 150 is a financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) Establishing a new provision corresponds to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) on the financial system 170. The amount of money deposited in the opened financial account until such time as the real name verification of the financial account is made, so as not to violate the law on the financial real name system and confidentiality and the concurrent enactment (Presidential Decree No. 15744). This includes making sure that no financial transaction request is withdrawn.

That is, a financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) received through the web server 100. Is not a real name financial account corresponding to the Act on Real Name Financial Transactions and Confidentiality and Concurrent Enforcement Decree (Presidential Decree No. 15744), and therefore, a financial transaction through the non-real name financial account is a violation of the law.

Accordingly, the provision of new provisions 150 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking received through the web server 100) Open a financial account corresponding to the application information).

Here, when the provisional opening unit 150 establishes a financial account corresponding to the financial product as a provisional provision, it is possible to deposit a predetermined investment amount (or deposit amount) into the financial account corresponding to the financial product. It means opening a deposit-only financial account.

According to the implementation method of the present invention, the provision of new provisions 150 is the financial product application information (and / or financial product provisions new application information, and / or financial transaction application information received via the web server 100) And / or Internet banking subscription application information) to open a predetermined financial account corresponding to the financial product in connection with the external system and / or the information system provided in the financial system 170. The result is provided to the account manager 155.

Those skilled in the art to which the present invention pertains, detailed procedures for establishing a predetermined financial account corresponding to the financial product is linked to the financial system 170 is established by the new provision establishment unit 150 Since it will be understood, detailed description thereof will be omitted for convenience.

Thereafter, the account management unit 155 may be configured to manage the amount of money deposited in the financial account opened by the provisional provision so as not to be withdrawn by any financial transaction until the real name verification for the customer applying for the financial product.

According to an exemplary embodiment of the present invention, when the predetermined investment amount (or deposit amount) is deposited in the financial account opened in correspondence with the financial product, the account management unit 155 may deposit the deposited amount in the financial account. It is preferable to set a lock so as not to be withdrawn by any financial transaction until confirmation of the real name, and the lock on the financial account corresponding to the financial product is released when the real name of the customer applying for the financial product is confirmed, As a result, a financial account corresponding to the financial product does not violate the Financial Real Name Transaction and Secret Guarantee Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

According to another exemplary embodiment of the present invention, when the financial system 170 is provided with a virtual account function for the new provision processing corresponding to the financial product, the account manager 155 opens in response to the financial product. When a predetermined investment amount (or deposit amount) is deposited in the established financial account, a predetermined virtual account having a withdrawal prevention function is opened in connection with the financial account, and the amount deposited is transferred to the withdrawal prevention virtual account. Preferably, when the real name of the customer applying for the financial product is confirmed, the amount transferred to the virtual account equipped with the withdrawal prevention function is returned to the financial account (or re-transfer), thereby providing the financial product. Corresponding financial accounts will not violate the Financial Real Name Trading and Confidentiality Act and the Concurrent Act (Presidential Decree 15744).

According to another exemplary embodiment of the present invention, when the financial system 170 is provided with a new account processing mother account for a financial account corresponding to the financial product, the account manager 155 corresponds to the financial product. Process the opened financial account as a virtual account with a withdrawal prevention function associated with the new account processing mother account, and deposit the processed amount into a financial account processed with the virtual account with the withdrawal prevention function; Preferably, when the real name of the customer applying for the financial product is confirmed, when the real name of the customer applying for the financial product is confirmed, the financial account processed as a virtual account with the withdrawal prevention function has a withdrawal prevention function. The financial account corresponding to the financial instrument is processed as a normal financial account which has been released, and the financial account corresponding to the financial product is No violation of the decree (Presidential Decree 15744).

The real name verification unit 160 is the financial account (eg, financial product application information provided from the web server 100 opened by the new provision establishment unit 150, and / or financial product provisional application information, and And / or the financial account opened in response to the financial transaction application information, and / or the Internet banking subscription application information) after the withdrawal prevention function is processed by the account management unit 155, According to the financial real name verification procedure corresponding to the law and the concurrent law (Presidential Decree No. 15744), it is characterized in that whether the real name for the customer applying for the financial product is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name confirmation unit 160 is the financial product for the financial account corresponding to the financial product through the window terminal financial transaction system through the window terminal associated with the financial system 170 It is desirable to verify that the real name of the applying customer is confirmed.

According to another exemplary embodiment of the present invention, when the financial product application customer is a conventional financial transaction customer for the financial institution, and the financial product application customer is an Internet banking customer corresponding to the financial institution (eg, the When the financial institution has performed the real name verification process for the customer applying for the financial product), the real name verification unit 160 corresponds to the financial product through a certificate-based real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer applying for the financial product for the financial account is confirmed.

According to another exemplary embodiment of the present invention, when the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 160 is corresponding to the financial product through a certificate-based real name verification process defined in the wireless banking system; It is desirable to verify that the real name of the customer applying for the financial product for the financial account is confirmed.

According to another embodiment of the present invention, the customer applying for the financial product is a conventional financial transaction customer for the financial institution, and the customer applying for the financial product corresponds to the financial institution, and / or home banking, and / or Or a TV banking customer (for example, when the financial institution has performed a real name verification procedure for the customer applying for the financial product), the real name verification unit 160 is an authorized certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed through the verification procedure, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 160 is provided in the financial system 170 (or to a financial institution) in order to confirm the real name for the customer applying for the financial product within a predetermined real name verification period It is preferable to periodically request the financial product applying customer to perform a real name verification procedure for the financial account corresponding to the financial product using a telemarketing function.

Alternatively, the real name confirmation unit 160 is provided in the financial system 170 (or provided in a financial institution) DM (Direct) to ensure the real name for the customer applying for the financial product within a predetermined real name confirmation period. It is preferable to periodically request the customer applying for the financial product to perform the real name verification procedure for the financial account corresponding to the financial product using the Mail) function.

Alternatively, when the financial product application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 160 to confirm the real name for the financial product application customer within a predetermined real name verification period, the financial A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, the financial instrument requesting customer for the financial account corresponding to the financial product. It is desirable to request that the blindness verification process be performed.

If the real name of the financial product application customer is confirmed within a predetermined real name confirmation period, the real name verification unit 160 generates real name identification information for the financial product application customer and provides it to the new account processing unit 165. do.

Alternatively, when the real name of the financial product application customer is confirmed within the predetermined real name verification period, the real name verification unit 160 generates unidentified name information of the financial product application customer to generate the new account processing unit 165. To provide.

When real name confirmation information is provided from the real name confirmation unit 160 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processing unit 165 is provided with the financial system 170. The financial account corresponding to the financial product processed by the provisional opening unit 150 and / or the account management unit 155 as a provisional provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including that the real name for the customer applying for the financial product is provided, the new account processing unit 165 The financial product is processed in the financial system by the provisional opening unit 150 and / or the account management unit 155 in association with the external and / or information system provided in the financial system 170 the financial product It is desirable to treat all financial transactions corresponding to as valid new financial accounts as possible.

According to one embodiment of the present invention, when a lock is set such that an amount deposited in a financial account opened in correspondence with the financial product is not withdrawn by any financial transaction until the real name of the financial account is confirmed, the new account The processor 165 may release the lock on the financial account corresponding to the financial product in connection with the external system and / or the information system provided in the financial system 170, thereby processing the trail. The financial account is processed as a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another exemplary embodiment of the present invention, the financial system 170 is provided with a virtual account function for the new provision processing corresponding to the financial product, so that the amount deposited into the financial account opened in correspondence with the financial product is When transferred to a predetermined virtual account provided with a withdrawal prevention function in association with a financial account, the new account processing unit 165 prevents the withdrawal in connection with the external system and / or information system provided in the financial system 170. Preferably, the amount deposited in the virtual account is returned (or re-transmitted) to a financial account corresponding to the financial instrument, and / or the removal (or erasure) of the withdrawal virtual account is made, thereby processing as a pseudonym. The financial account is processed as a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another embodiment of the present invention, the financial system 170 is provided with a new account processing mother account for a financial account corresponding to the financial product, the financial account opened in response to the financial product is When a predetermined amount is deposited (or deposited) into a financial account processed as a virtual account provided with the withdrawal prevention function by being processed as a virtual account with a withdrawal prevention function associated with a processing mother account, the new account processing unit ( 165 releases the withdrawal prevention function of the financial account processed as the virtual account provided with the withdrawal prevention function in connection with the external system and / or the information system provided in the financial system 170, and the parent account processing system Providing (or erasing) a virtual account function associated with the financial product corresponding to the financial product is preferably processed, thereby the financial system processed by the new provisions The account is treated as a valid new financial account for which all financial transactions corresponding to the financial instrument are possible.

According to an embodiment of the present invention, the new account processing unit 165 processes a financial account corresponding to the financial product as a valid new financial account capable of all financial transactions corresponding to the financial product. The financial receiver application information (and / or financial product provisional application information, and / or financial transaction application information) is determined by the information receiving unit 145 from the web server 100 on the date of establishing the financial account (or the financial product investment start date). And / or the date of receiving the Internet banking subscription request information) or the date when the provisional opening unit 150 establishes a financial account corresponding to the financial product on the financial system 170 as a provisional provision. It is desirable to apply retrospectively on one date.

When the real name is not confirmed by the real name confirmation unit 160 until the real name confirmation period has passed, the real name unidentified information is provided from the real name confirmation unit 160, The new account processing unit 165 is deposited into a financial account corresponding to the financial product processed by the new provision opening unit 150 and / or the account management unit 155 as a new provision in association with the financial system 170. It is characterized in that the amount of money to be re-transmitted (or re-transfer) to the parent account transferred to the financial account.

According to an exemplary embodiment of the present invention, the parent account transferred to the financial account may be a financial account provided in the financial institution, wherein the new account processing unit 165 may include an account account provided in the financial system 170. It is preferable to repatriate (or transfer) the amount deposited in the financial account corresponding to the financial instrument to the parent account, whereby the financial account corresponding to the financial instrument is subject to the Act on Financial Real Name Transactions and Confidentiality and It will not violate the concurrent decree (Presidential Decree 15744).

According to another exemplary embodiment of the present invention, the parent account transferred to the financial account may be a financial account provided in a financial institution other than the financial institution, wherein the new account processing unit 165 is the financial system 170. The amount deposited in the financial account corresponding to the financial product in connection with the account system provided in the) is preferably returned (or transferred) to the parent account on the financial system 170 provided in another financial institution, whereby the financial product The corresponding financial accounts will not violate the Financial Real Name Trading and Confidentiality Act and Concurrent Act (Presidential Decree No. 15744).

If the parent account does not exist for the amount deposited in the financial account corresponding to the financial product in the method, it corresponds to the case where the investment amount (or deposit amount) is unpaid. The bank account corresponding to the financial product is exchanged through the bank account at the branch (or branch) of the financial institution, and the bank account and the real name confirmation of the customer applying for the financial product are processed at the same time. And non-compliance with the Law on Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the processing of the financial account corresponding to the financial product by the provisional processing unit and / or account management unit 155 provided in the information processing server 140 as the provisional provision is deposited into the financial account corresponding to the financial product. It is preferable that the amount further includes blocking the bank account deposits other than the financial institution.

FIG. 2 is a diagram illustrating a new provision processing information structure for a new provision processing of a financial product according to an exemplary embodiment of the present invention.

In more detail, FIG. 2 shows predetermined false processing information for processing false information of the financial product in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system 170 shown in FIG. Figure 1 illustrates the configuration of information stored in the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify the drawing of FIG. It is possible to infer various information constructing methods for storing predetermined pseudoprocessing information for the provisional processing, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. .

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 170 may include a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, DBMS on the financial system 170 The ledger D / B provided in the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. And strategy.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, point number, product type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, summary, CIF, etc. This includes transaction details.

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

Referring to FIG. 2, the provisional opening unit 150 and / or the account management unit 155 of the information processing server 140 shown in FIG. 1 may be provided with an external system and / or information provided in the financial system 170. In connection with the account, generate predetermined provisional processing information including the account number for the financial account corresponding to the financial product application information, the date of establishment of a new provision, the expiration of the real name verification, the extension of the real name verification period, the deposit before the real name verification and the mother account number. By using the additional information of the account ledger corresponding to the financial account, characterized in that for storing.

The account number of the new provision processing information is information for linking and processing the new provision processing information with a financial account corresponding to the financial product, and the financial account number corresponding to the financial product processed according to the present invention. It is made to include.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date when a financial account corresponding to the financial instrument is opened on the ledger D / B, and the financial product application customer corresponding to the financial instrument processed by the provisional provisional If the real name is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name confirmation expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer of the financial product application for the financial account corresponding to the financial product within the real name verification expiration date is confirmed Should be.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event that a problem arises in that it is difficult to confirm the real name of the customer applying for the financial product for the financial account corresponding to the financial product, and / or when the provisional term information includes the automatic extension of the term for the expiration of the real name verification, the real name Even after the expiration date of confirmation, the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

The deposit before the real name confirmation of the provisional processing information corresponds to the financial product when a predetermined amount is deposited into the financial account before the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed. As the amount information deposited into the financial account, the deposit before the real name confirmation is not withdrawn until the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In addition, the parent account number of the pseudonym processing information is an account number for depositing the deposit before the real name verification into a financial account corresponding to the financial product, and after the real name verification expiration date has passed (and / or after the real name verification expiration date) If the real name of the customer applying for the financial instrument for the financial account corresponding to the financial instrument is not confirmed even after a predetermined extension period following the extension of the real name verification period, the deposit before the real name verification (or transfer) This is done by including an account number.

According to another embodiment of the invention, the information contained in the provisional processing information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

3 is a diagram illustrating the provision of new provision processing information for the provision of new provision of a financial product according to another embodiment of the present invention.

In more detail, FIG. 3 shows predetermined false processing information for processing new products of the financial product in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system 170 shown in FIG. Shows an information structure for one embodiment in which the information is stored, and those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 3 to provide the information on the trailing information to a predetermined database. Various information configuration methods for storing in association with the ledger D / B may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when it is not easy to store the temporary processing information in the ledger information of the ledger D / B on the DBMS provided on the financial system 170 (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B, or the system expansion is not easy due to the characteristics of the financial system 170), the trailing information processing is stored in a predetermined database instead of the ledger D / B, and the database And an implementation method for storing the ledger D / B in a coordinated process.

Referring to FIG. 3, the database stores the pseudo-processing information, wherein the pseudo-processing information corresponds to the ledger information in the pseudo-processing information in order to be processed in association with the ledger D / B. It is preferable to further comprise a CIF number.

In FIG. 3, the new provision processing information stored in the database includes the account number for the financial account corresponding to the financial instrument, the date of establishment of the provisional provision, the real name verification expiration date, the real name verification period extension, the real name verification deposit and the mother account number. It is characterized by comprising.

The account number of the new provision processing information is information for linking and processing the new provision processing information with a financial account corresponding to the financial product, and the financial account number corresponding to the financial product processed according to the present invention. It is made to include.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date when a financial account corresponding to the financial instrument is opened on the ledger D / B, and the financial product application customer corresponding to the financial instrument processed by the provisional provisional If the real name is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name confirmation expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer of the financial product application for the financial account corresponding to the financial product within the real name verification expiration date is confirmed Should be.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event that a problem arises in that it is difficult to confirm the real name of the customer applying for the financial product for the financial account corresponding to the financial product, and / or when the provisional term information includes the automatic extension of the term for the expiration of the real name verification, the real name After the confirmation expiration date, the real name of the customer applying for the financial instrument for the financial account corresponding to the financial instrument is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

The deposit before the real name confirmation of the provisional processing information corresponds to the financial product when a predetermined amount is deposited into the financial account before the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed. As the amount information deposited into the financial account, the deposit before the real name confirmation is not withdrawn until the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In addition, the parent account number of the pseudonym processing information is an account number for depositing the deposit before the real name verification into a financial account corresponding to the financial product, and after the real name verification expiration date has passed (and / or after the real name verification expiration date) If the real name of the customer applying for the financial instrument for the financial account corresponding to the financial instrument is not confirmed even after a predetermined extension period following the extension of the real name verification period, the deposit before the real name verification (or transfer) This is done by including an account number.

4 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that when the web server 100 illustrated in FIG. 1 provides a predetermined financial product application user interface to the customer terminal 175, the user terminal 175 provides the user interface for the financial product application. Input (or select) predetermined financial product application information through the web server 100 through predetermined network means, and provide the financial product application information through the predetermined interface means in the web server 100. Regarding the process of providing to the information processing server 140 provided in the financial institution corresponding to the financial product, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present invention It can be inferred from the customer terminal 175 various implementation methods for providing the financial product application information to the information processing server 140 through the web server 100, It said method comprises all of the embodiments in which the inference, not limited by the exemplary method shown in the figure 4.

For example, in FIG. 4, only the financial product application information is provided from the customer terminal 175 to the web server 100. However, the present invention may be applied to those skilled in the art. In response to the user interface provided by the web server 100 to the customer terminal 175, the financial product application information, and / or financial transaction application information in addition to the financial product application information in the customer terminal 175, and / Or it may be inferred the implementation method for providing the Internet banking subscription information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription in the customer terminal 175 It includes an implementation method for providing the application information, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 The financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information) is encrypted and transmitted, and the information processing server 140 in the financial product While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 4, the customer terminal 175 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (400), and the web. At least one web-based service provided by the server 100 is used (405), wherein the web server (100) is a web-based service provided to the customer terminal (175) online of the financial product according to the present invention While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 175. Periodically checks whether a predetermined financial product application user interface is requested (410), and if the financial product application interface is requested from the customer terminal (175) (415), the web server (100) Generate a predetermined financial product application user interface to be provided to 175 (or extract it from a predetermined web source D / B (not shown)) (420), and display the financial product application user interface through the network means; Provided to the terminal (425).

Thereafter, the customer terminal 175 inputs (or selects) predetermined financial product application information through the financial product application user interface (430), and the financial product application information is at least one to be purchased (or applied) by the customer. It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial product application information is input (or selected) as described above, the customer terminal 175 transmits the financial product application information to the web server 100 through the network means (435), the web server ( In operation 440, the financial product application information is received and stored in a predetermined storage medium 135.

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 140 through a predetermined interface means (445), and the information processing server 140 transmits the web through the interface means. The financial product application information provided from the server 100 is received (450).

5 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to another embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product request user interface to the customer terminal 175, the user terminal 175 requests the financial product application user interface. Input (or select) and encrypt predetermined financial product application information through the web server 100 through a predetermined network means, and decrypt the financial product application information by the web server 100 through predetermined network means. The process for providing the financial product application information through the interface means to the information processing server 140 provided in the financial institution corresponding to the financial product, if the person having ordinary knowledge in the technical field to which the present invention belongs, Referring to and / or modifying the Figure 5 to provide the financial product application information from the customer terminal 175 to the information processing server 140 through the web server 100. It will be possible to infer various implementation methods, but the present invention includes all of the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the financial product application information is provided from the customer terminal 175 to the web server 100. However, the present invention may be applied to those skilled in the art. In response to the user interface provided by the web server 100 to the customer terminal 175, the financial product application information, and / or financial transaction application information in addition to the financial product application information in the customer terminal 175, and / Or it may be inferred the implementation method for providing the Internet banking subscription information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription in the customer terminal 175 It includes an implementation method for providing the application information, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 The financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information) is encrypted and transmitted, and the information processing server 140 in the financial product While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 5, the customer terminal 175 shown in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server (100) is a web-based service provided to the customer terminal (175) online of the financial product according to the present invention While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 175. Periodically checks whether a predetermined financial product application user interface is requested for the financial product application interface (510), and if the financial product application interface is requested from the client terminal (175) (515), the web server (100) Generate a predetermined financial product application user interface having a function (or extract it from a predetermined web source D / B (not shown)) (520), and transfer the financial product application user interface to the terminal through the network means; Provided (525).

The security function provided in the financial product application user interface may include a function of encrypting the financial product application information input (or selected) by the customer terminal 175 using a predetermined encryption method and / or the financial product application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the financial product application user interface, wherein the security program is to encrypt the financial product application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include an official certificate having at least one encryption key for encrypting the financial product application information, thereby not limited to the present invention.

Thereafter, the customer terminal 175 inputs (or selects) predetermined financial product application information through the financial product application user interface (530), and the financial product application information is at least one that the customer wants to purchase (or apply for). It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial product application information is input (or selected) as described above, the customer terminal 175 encrypts the financial product application information according to a predetermined encryption method through a security function provided in the financial product application user interface ( And / or attach the electronic signature of the customer to the financial product application information) (535), and transmit the encrypted financial product application information to the web server 100 via the network means (540).

The web server 100 receiving the encrypted financial product application information through the network means decodes the financial product application information by a decryption method corresponding to the encryption method (545), and the decrypted financial product application information. The data is stored in a predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 140 through a predetermined interface means (545), and the information processing server 140 transmits the web through the interface means. The financial product application information provided from the server 100 is received (550).

6 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a client terminal 175 according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates an implementation method of encrypting and transmitting the financial instrument application information by a symmetric key (or secret key) method in a customer terminal 175 having a predetermined encryption function. If there is a general knowledge in the field, various implementation methods for encrypting the financial instrument application information in a symmetric key (or secret key) manner in the customer terminal 175 on the network means by referring to and / or modifying the present Figure 6 It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 6, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 6 according to the embodiment of the present invention, the symmetric key (or secret key) is included in the security program corresponding to the security function provided in the financial product application interface, and / or included in the financial product application interface. Preferably, the symmetric key (or secret key) is in accordance with the intention of the person skilled in the art to a public certificate provided to the customer terminal 175 by a predetermined certification authority, and / or a predetermined public certificate provided in connection with the security program. 6, the symmetric key (or secret key) is read out from a predetermined certificate for convenience, but the present invention is not limited thereto.

Referring to FIG. 6, when predetermined financial product application information is input (or selected) through the financial product application user interface in the customer terminal 175, the security function unit is provided in the customer terminal 175. Read a predetermined symmetric key (or secret key) for encrypting the financial product application information from the authorized certificate (605), and encrypts the financial product application information through the read symmetric key (or secret key) (610) ).

Here, the encryption function of the security function is called E (Encryption), the symmetric key (or secret key) is k (key), the financial instrument application information P (Plaintext), and the symmetric key (or secret key) If the encrypted financial product application information is referred to as C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the symmetric key (or secret key) by the security function, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( It is preferable to include at least one or more of the International Data Encryption Algorithm, and various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the financial instrument application information is encrypted through the symmetric key (or secret key) as described above, the encrypted financial instrument application information is transmitted to the web server 100 through a communication protocol defined on the network means ( 615).

7 is a diagram illustrating a method for decrypting financial product application information encrypted and received by the web server 100 according to an exemplary embodiment of the present invention using a symmetric key (or secret key) method.

In more detail, FIG. 7 illustrates an embodiment in which the financial product application information, which is encrypted and received from the customer terminal 175 having a predetermined encryption function, is decrypted by a predetermined web server 100 in a symmetric key (or secret key) manner. As to a method, if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 7 to mirror the encrypted financial instrument application information at the customer terminal 175 on the network means. It is possible to infer various implementation methods for decrypting in a (or secret key) manner, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 7 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the web server 100, the public certificate is the web server 100 and It is preferable to be stored in a predetermined database (not shown) to cooperate, and the present invention is not limited thereby.

Referring to FIG. 7, the information receiving unit 120 of the web server 100 receives the encrypted financial product application information through the network means (700), wherein the financial product application information is defined in the network means. It is preferably received via a communication protocol stack.

Thereafter, the information receiver 120 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted financial product application information from the authorized certificate provided in the web server 100 (705), and extracts the extracted symmetric key (or secret key). The encrypted financial product application information is decrypted using the symmetric key (or secret key) (710).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the financial product application information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) C (Ciphertext) and the decrypted financial instrument application information is P (Plaintext), the function of the information receiving unit 120 decrypts the encrypted financial instrument application information is "Dk = P, or Dk (Ek (P )) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted financial product application information through the symmetric key (or secret key) by the information receiver 120 may include SEED, DES (Data Encryption Standard), Triple-DES. Preferably, at least one of Skipjack, International Data Encryption Algorithm (IDEA) is included, and various types of decryption algorithms may be used. However, the decryption algorithm is an encryption algorithm used in the client terminal 175. And the present invention is not limited by a specific decoding algorithm.

When the financial instrument application information encrypted through the symmetric key (or secret key) as described above is decrypted, the information receiver 120 provides the decrypted financial instrument application information to the information relay unit 130 (715). The information relay unit 130 provides the financial product application information to the information processing server 140 through a predetermined interface means.

8 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal 175 according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates an implementation method of encrypting and transmitting the financial product application information in a public key infrastructure structure in a customer terminal 175 having a predetermined encryption function. With reference to FIG. 8, various implementation methods for encrypting the financial instrument application information in a public key manner may be inferred from the client terminal 175 on the network means by referring to and / or modifying the present invention. The present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 8, the information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 8 according to the embodiment of the present invention, the server-side public key is preferably included in a security program corresponding to a security function provided in the financial product application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 175, and / or a predetermined public certificate provided in association with the security program. In FIG. 8, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the public certificate to the customer terminal 175, whereby the present invention is not limited thereto. .

Referring to FIG. 8, when predetermined financial product application information is input (or selected) through the financial product application user interface at the customer terminal 175, the security function unit requests the financial product from the authorized certificate. A predetermined server-side public key for encrypting information is extracted (805), and the financial instrument application information is encrypted (810) using the extracted server-side public key.

Herein, the encryption function of the security function is referred to as E (Encryption), the server-side public key is k1 (key), the financial product application information is P (Plaintext), and the financial product application information encrypted with the server-side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and in addition to various encryption algorithms may be used, the present invention by a specific encryption algorithm It is not limited.

For example, in the case of encrypting the financial instrument application information through the RSA encryption algorithm, among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the security function can be expressed as" C = Ek1 (P) = Pe mod n ".

When the financial instrument application information is encrypted through the server-side public key as described above, the encrypted financial instrument application information is transmitted to the web server 100 through a network component on the network means (815).

9 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server 100 according to an embodiment of the present invention using a public key infrastructure.

In more detail, FIG. 9 illustrates an embodiment of a method for decrypting the financial product application information, which is encrypted and received from a customer terminal 175 having a predetermined encryption function, by a predetermined web server 100 in a public key infrastructure. As one of ordinary skill in the art to which the present invention pertains, the financial product application information encrypted with the server-side public key is disclosed by the customer terminal 175 on the network means by referring to and / or modifying the present invention. Although various implementation methods of decrypting in a key-based structure scheme may be inferred, the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 9 according to the embodiment of the present invention, the server-side private key for decrypting the financial product application information encrypted with the server-side public key in a public key infrastructure scheme is obtained from the public certificate provided in the web server 100. Preferably, the public certificate is stored in a predetermined database (not shown) interworking with the web server 100, and the present invention is not limited thereto.

Referring to FIG. 9, the information receiving unit 120 of the web server 100 receives encrypted financial product application information through the network means (900), and the financial product application information is defined in the network means. It is preferably received via a protocol stack.

Thereafter, the information receiver 120 extracts a server-side private key for decrypting the encrypted financial product application information from the authorized certificate provided in the web server 100 (905), and the extracted server-side private key. Decode the encrypted financial product application information through (910).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the financial instrument application information encrypted with the server-side public key is C (Ciphertext), and the server. When the financial instrument application information decrypted with the side private key is P (Plaintext), the function of the information receiver 120 decrypting the encrypted financial instrument application information is "Dk2 = P, or Dk2 (Ek (P)) = It can be expressed by an expression such as "P".

According to an embodiment of the present invention, the algorithm for decrypting the financial instrument application information encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. An algorithm may be used, but the decryption algorithm is matched with the encryption algorithm used in the customer terminal 175, and the present invention is not limited by a specific decryption algorithm.

For example, when decrypting the financial instrument application information through the RSA decryption algorithm among the public key-based decryption algorithms, the published method (Modulus) used in the decryption process is not disclosed by n and the different prime factors of n. If the prime is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", where the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

As described above, when the financial instrument application information encrypted with the server-side public key is decrypted by the client terminal 175 through the server-side private key, the information receiver 120 transmits the decrypted financial instrument application information to the information relay unit ( 130, the information relay unit 130 provides the financial product application information to the information processing server 140 through a predetermined interface means.

10 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal 175 according to an embodiment of the present invention.

More specifically, FIG. 10 illustrates an embodiment of the present invention for encrypting and transmitting the financial product application information in an electronic envelope method in a customer terminal 175 having a predetermined encryption function. With reference to FIG. 10 and / or modifications, various implementation methods of encrypting the financial instrument application information in an electronic envelope method in the customer terminal 175 on the network means may be inferred. It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 10, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In FIG. 10 according to an embodiment of the present invention, the server-side public key may be included in a security program corresponding to a security function provided in the financial product application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 175, and / or a predetermined public certificate provided in association with the security program. In FIG. 10, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the public certificate to the customer terminal 175, whereby the present invention is not limited thereto. .

Referring to FIG. 10, when predetermined financial product application information is input (or selected) through the financial product application user interface at the customer terminal 175 (1000), the security function unit secrets the financial product application information. A predetermined random secret key for encrypting using a secret key (symmetric key) method is generated (1005), and the financial product application information is encrypted (1010) using the generated secret key.

Here, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial instrument application information P (Plaintext), and the financial product application information encrypted with the secret key C Supposing (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information by the security function through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data Encryption Algorithm (IDEA) It is preferable to include at least one of the above, and in addition to the various types of encryption algorithm may be used, the present invention is not limited by a specific encryption algorithm.

Thereafter, the security function encrypts the secret key (random secret key) used to encrypt the financial instrument application information. For this purpose, the security function extracts a predetermined server-side public key from the public certificate (1015), The secret key is encrypted using the server-side public key (1020).

Here, the encryption function of the security function is called E (Encryption), the server-side public key is k1 (key), the secret key is r (random Secret key), and the secret key encrypted with the server-side public key is C. In the case of (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function can be expressed as" C = Ek1 (r) = re mod n ".

If the financial instrument application information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the security function unit encrypts the financial instrument application information with the secret key and the server-side public key. It generates transaction data in association with and transmits the data to the web server 100 through a network component on the network means (1025).

FIG. 11 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server 100 according to an exemplary embodiment of the present invention by an electronic envelope method.

In more detail, in FIG. 11, the transaction data is electronically encapsulated by a predetermined web server 100 that receives transaction data including encrypted financial product application information from a customer terminal 175 having a predetermined encryption function. As to a method for decrypting, the present invention may be encrypted by the electronic envelope method in the customer terminal 175 on the network means by referring to and / or modifying the present FIG. Various implementation methods for decoding the transaction data in the same electronic envelope may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 11 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the web server 100, and the public certificate is It is preferably stored in a predetermined database (not shown) that cooperates with the web server 100, thereby the present invention is not limited.

Referring to FIG. 11, the information receiving unit 120 of the web server 100 receives predetermined transaction data including the financial product application information encrypted through the network means (1100), and the transaction data is the It is preferably received via a communication protocol stack defined in the network means.

Thereafter, the information receiving unit 120 extracts a server-side private key for decrypting an encrypted secret key included in the transaction data from the public certificate provided in the web server 100 (1105), and extracts the extracted server. By decrypting the secret key encrypted with the server-side public key in the client terminal 175 through the side private key (1110), a predetermined secret key for decrypting the financial instrument application information is extracted (1115), and the extraction is performed. The financial instrument application information is decrypted using the secret key (1120), and the financial instrument application information encrypted by the secret key is extracted from the customer terminal (175) (1125).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server-side individual. When the secret key decrypted with the key is r (random secret key), the function of decrypting the encrypted secret key by the information receiving unit 120 is as follows: "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial instrument application information encrypted with the secret key (C (Ciphertext)), and the decryption When the financial product application information is referred to as P (Plaintext), the function of decrypting the encrypted financial product application information by the information receiving unit 120 is such as "Dr = P, or Dr (Er (P)) = P". It can be expressed as an expression.

According to the method of the present invention, the algorithm for decrypting the encrypted financial product application information by the information receiving unit 120 using the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably comprises at least one or more, and may be used in addition to a variety of decryption algorithms, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal (175) The present invention is not limited to the specific decoding algorithm.

When the financial product application information is decrypted as described above, the information receiving unit 120 provides the decoded financial product application information to the information relay unit 130 (1130), and the information relay unit 130 is the financial The product application information is provided to the information processing server 140 through a predetermined interface means.

FIG. 12 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal 175 according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates an embodiment of a method of encrypting and transmitting the financial product application information by a key exchange method in a customer terminal 175 having a predetermined encryption function. With reference to FIG. 12 and / or modifications, various implementation methods for encrypting the financial instrument application information in a key exchange method may be inferred by the customer terminal 175 on the network means. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 12, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In FIG. 12 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are provided in a security program corresponding to a security function provided in the financial product application interface, and / or the financial product application interface. Preferably, the terminal-side private key and the server-side public key are provided in association with an authorized certificate provided to the customer terminal 175 by a predetermined certification authority, and / or the security program according to the intention of a person skilled in the art. A predetermined public certificate may be provided, and in FIG. 12, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate for convenience, but the present invention is not limited thereto.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal 175. The invention is not limited.

Referring to FIG. 12, when predetermined financial product application information is input (or selected) through the financial product application user interface at the customer terminal 175 (1200), the security function unit may set the financial product application information. Generates a message digest including a hash code of a certain length regardless of the length of the financial instrument application information (eg, a message digest), and generates an original message through the hash code (or message digest). A one-way hash function that cannot identify (or infer) a message, wherein the client terminal 175 and the web server 100 use the same hash function to generate a predetermined message digest (1205). The message digest is digitally signed by encrypting the terminal-side private key (1210).

Here, the encryption function of the security function is referred to as E (Encryption), the terminal side private key is t1 (13erminal side key), the message digest is m (message digest), and the message digest encrypted with the terminal side private key. Speaking of C (Ciphertext), the digital signature function of the security function unit can be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, an algorithm for encrypting the message digest by the security function unit using the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the security function can be expressed as" C = Et1 (m) = me mod n ".

In addition, the security function unit generates a predetermined random secret key for encrypting the financial instrument application information in a secret key (symmetric key) method (1215), the financial product application information and the The message digest encrypted with a terminal-side private key and a copy of a certificate (eg, a certificate including a terminal-side public key) included in the public certificate are linked to each other and encrypted through the generated private key (1220).

Herein, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial product application information and the copy of the certificate P (Plaintext), and the financial product application encrypted with the secret key When the information and the certificate copy are referred to as C (Ciphertext), the encryption function of the security function can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information and the copy of the certificate through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data (IDEA). It is preferable to include at least one or more of the Encryption Algorithm, and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

The security function unit extracts a predetermined server side public key from the authorized certificate to encrypt the private key that encrypts the financial instrument application information (1225), and applies for the financial instrument using the server side public key. The secret key encrypting the information is encrypted (1230).

Herein, the encryption function of the security function is referred to as E (Encryption), the server side public key is s1 (server side key), the secret key is r (random secret key), and a secret key encrypted with the server side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function may be expressed as" C = Es1 (r) = re mod n ".

The financial product application information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, wherein the secret key is used to store the server-side public key. When encrypted via the security function, the security function unit encrypts the copy of the certificate including the message digest encrypted with the secret key and the terminal side private key and the terminal side public key encrypted with the server side public key. The predetermined transaction data is generated in association with the secret key, and the generated transaction data is transmitted to the web server 100 through a network component on the network means (1235).

FIG. 13 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server 100 according to an embodiment of the present invention by a key exchange method.

In more detail, in FIG. 13, a predetermined web server 100 receives transaction data including encrypted financial product application information from a customer terminal 175 having a predetermined encryption function. A method for decryption, which is a thing of ordinary skill in the art, the encryption of the key exchange method in the customer terminal 175 on the network means by referring to and / or modifying this figure 13 Various implementation methods for decrypting transaction data in the same key exchange method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In FIG. 13 according to the embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the web server 100. In addition, the public certificate is preferably stored in a predetermined database (not shown) interworking with the web server 100, and the present invention is not limited thereto.

Referring to FIG. 13, the information receiving unit 120 of the web server 100 receives transaction data including the financial product application information encrypted through the network means (1300), and the transaction data includes the network means. And a copy of a certificate including the message digest and the terminal-side public key encrypted with the financial instrument application information and / or the terminal-side private key encrypted with the secret key, and / or Preferably, the secret key is encrypted with the server-side public key.

Thereafter, the information receiver 120 extracts the server-side private key from the public certificate provided in the web server 100 to decrypt the private key encrypted with the server-side public key (1310), and the server-side individual. By decrypting the secret key through a key (1315), the secret key for decrypting a copy of the certificate including the message digest encrypted with the financial instrument application information and the terminal-side private key and the terminal-side public key is extracted. (1320).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and the server When the secret key decrypted with the side private key is r (random secret key), the function of decrypting the encrypted secret key by the information receiver 120 is "Ds2 = r, or Ds2 (Es1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the information receiving unit 120 includes a certificate including the message digest and the terminal-side public key encrypted with the financial product application information and the terminal-side private key using the extracted secret key. By decrypting the copy (1325), a certificate copy including the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key are extracted.

Here, the decryption function of the information receiver 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key And a copy of the certificate including the terminal-side public key C (Ciphertext), and a copy of the certificate including the message digest encrypted with the decrypted financial instrument application information and the terminal-side private key and the terminal-side public key P ( Plaintext), the information receiver 120 decrypts the copy of the certificate including the encrypted financial product application information and the terminal digest key encrypted with the terminal-side private key, " Dr = P. " , Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the information receiving unit 120 copies the certificate including the message digest encrypted with the encrypted financial product application information and the terminal-side private key through the secret key and the terminal-side public key. The decryption algorithm preferably includes at least one of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA). In addition, various types of decryption algorithms may be used. However, the decryption algorithm is characterized in that it is matched with the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

In addition, the information receiver 120 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (1330), and generates and transmits the financial product application information from the customer terminal 175. Extract the message digest (1335).

Here, the decryption function of the information receiving unit 120 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the terminal. When the message digest decrypted with the side public key is m (Message Digest), the function of decrypting the encrypted message digest by the information receiving unit 120 is "Dt2 = m, or Dt2 (Es1 (r)) = m". The same formula can be used.

According to an embodiment of the present invention, an algorithm for the information receiver 120 to decrypt a message digest encrypted with the terminal-side private key in the client terminal 175 through the terminal-side public key may be RSA (Ron Rivest, Adi Shamir). , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the information receiving unit 120 generates a predetermined message digest through the same one-way hash function with the received financial product application information (1340), and then generates and decrypts the generated message digest. By comparing the received message digest (1345), the validity of the received financial instrument application information is verified.

If the generated message digest coincides with the decrypted message digest (1350), the information receiver 120 provides the financial instrument application information to the information relay 130 (1355). 130 provides the financial product application information to the information processing server 140 through a predetermined interface means.

FIG. 14 is a diagram illustrating a new process of processing a financial product according to an exemplary embodiment of the present invention. FIG.

More specifically, FIG. 14 opens a predetermined financial account based on the financial product application information provided from the web server 100 in the information processing server 140 shown in FIG. It is about the provisional processing process for setting the withdrawal lock function to manage the provisional financial account until the real name of the customer applying for the financial product, if the person having ordinary knowledge in the field of the present invention, By referring to and / or modifying FIG. 14, various implementation methods for the provisional processing of the financial instrument using the financial instrument application information provided to the information processing server 140 shown in FIG. 1 may be inferred. The present invention encompasses all of the above inferred methods of implementation, whereby the present invention is not limited.

For example, in FIG. 14, only the financial product application information is provided from the web server 100 to the information processing server 140. However, the present invention may be applied to those skilled in the art. In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

In the following figure 14, the information processing server 140 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 14, when predetermined financial product application information is received from the web server 100 shown in FIG. 1 through the process shown in FIG. 4 and / or FIG. The application information is read to determine whether a financial account corresponding to the financial product can be opened (1400).

If it is impossible to open a financial account corresponding to the financial product based on the financial product application information (1405), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In step 1410, the web server 100 transmits the account opening error information to the customer terminal 175 through a predetermined network means (1415), and the financial account based on the financial product application information. Terminate the procedure.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (1405), the server is linked to the financial system 170, the predetermined financial account corresponding to the financial product application information The system is opened on the financial system 170 as a provisional rule (1420), and the withdrawal lock function for the financial account opened as the provisional provision is set in connection with the financial system 170 (1425).

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). ) Or a terminal terminal-based financial transaction linked to the financial system 170 periodically or a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information. Financial transaction events generated from financial transaction systems including at least one system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Correspondingly) (1430).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) When it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (1435), the server connects the investment amount (or deposit amount) to the withdrawal lock function in association with the financial system 170. Deposit is processed into a provided financial account (eg, a financial account processed as a provisional provision in response to the financial product application information), whereby the investment amount (or deposit amount) is the real name of the customer applying for the financial product. It will not be withdrawn by any financial transaction until it is confirmed.

According to another exemplary embodiment of the present invention, the investment amount (or deposit amount) is deposited into a financial account equipped with the withdrawal lock function (eg, a financial account processed as a provisional account in response to the financial product application information). The process may be performed independently of the server, whereby the present invention is not limited.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system). The real name of the customer of the financial product application for the financial account processed as a new account in response to the financial product application information in connection with the financial product application information) Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home) In response to a customer real name verification event generated from a financial transaction system including at least one banking system or a TV banking system ) Check.

Those skilled in the art to which the present invention pertains, include a terminal terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, Internet banking system, wireless You will be familiar with how to verify customer real names for a given financial account through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system. Omit

If the real name of the financial product application customer is not confirmed (1450), the server is connected to the financial system 170, the real-name verification period for the financial account processed as a new provision in response to the financial product application information Check if it has passed (1455).

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (1460), the server processes the provisional parent account (eg, as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (1460), the server is linked with the financial system 170 in response to the financial instrument application information. The amount deposited in the financial account processed as is converted into the parent account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision corresponding to the financial product application information). In response to the financial product application information, the financial account processed as a new provision is treated as a dormant account (1465).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (1450), the server is connected to the financial system 170 is set in the financial account processed as a provision in response to the financial product application information The withdrawal lock function is released (1470), and the server processes the financial account processed as a provisional new financial account in response to the financial product application information in association with the financial system 170 (1475).

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the new opening date (1480).

15 is a diagram illustrating a new provision processing process of a financial product according to another embodiment of the present invention.

More specifically, FIG. 15 opens a predetermined financial account based on the financial product application information provided from the web server 100 in the information processing server 140 shown in FIG. It is about the provisional processing process for managing the pseudo-financial financial account through the predetermined withdrawal prevention virtual account associated with the financial product until the real name of the customer applying for the financial product, the general knowledge in the field to which the present invention belongs. If it is, the user infers various implementation methods for the novelty processing of the financial product using the financial product application information provided to the information processing server 140 shown in FIG. As will be appreciated, the present invention includes all such practice inferred, and the present invention is not limited thereto.

For example, in FIG. 15, only the financial product application information is provided from the web server 100 to the information processing server 140. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

In the following figure 15, the information processing server 140 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 15, when predetermined financial product application information is received from the web server 100 shown in FIG. 1 through the process shown in FIG. 4 and / or FIG. 5, the server receives the finance. The product application information is read to determine whether a financial account corresponding to the financial product can be opened (1500).

If it is not possible to open a financial account corresponding to the financial product based on the financial product application information (1505), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In step 1510, the web server 100 transmits the account opening error information to the customer terminal 175 through a predetermined network means (1515). Terminate the procedure.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (1505), the server is linked to the financial system 170, the predetermined financial account corresponding to the financial product application information Is opened on the financial system 170 as a new provision (1520), and generates a predetermined withdrawal prevention virtual account associated with the financial account opened as the new provision in connection with the financial system 170 ( 1525).

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). ) Or a terminal terminal-based financial transaction linked to the financial system 170 periodically or a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information. Financial transaction events generated from financial transaction systems including at least one system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Correspondingly) (1530).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) When it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (1535), the server connects the investment amount (or deposit amount) with the financial system 170 to prevent the withdrawal function. Transfer to the provided virtual account (1540), whereby the investment amount (or deposit amount) is not withdrawn by any financial transaction until the real name of the customer applying for the financial product is confirmed.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system). The real name of the customer of the financial product application for the financial account processed as a new account in response to the financial product application information in connection with the financial product application information) Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system, a telebanking system, Responding to customer name verification events generated from financial transaction systems including at least one home banking system and a TV banking system. ) Confirms.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. You will be familiar with how to verify your real name for a given financial account through a financial transaction system that includes at least one system, a telebanking system, a home banking system, and a TV banking system. do

If the real name of the financial product application customer is not confirmed (1550), the server is connected with the financial system 170 to confirm the real name verification period for the financial account processed as a provisional system in response to the financial product application information. Check whether it has passed (1555).

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (1560), the server processes the provisional parent account (e.g., the provision as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (1560), the server is linked with the financial system 170 in response to the financial instrument application information. Convert the amount deposited in the financial account processed into the mother account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information); In response to the financial product application information, the financial account processed as a new provision is processed as a dormant account (1565).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name confirmation period (1550), the server is associated with the financial account processed as a provision in response to the financial product application information in connection with the financial system 170 The amount deposited in the anti-withdrawal virtual account is transferred to the parent account of the anti-withdrawal virtual account (for example, a financial account processed as a provisional account in response to the financial product application information) (1570), and the server transfers the financial system ( In response to the financial product application information in connection with 170), the financial account processed as a new provision is processed as a normal new financial account (1575).

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the new establishment date (1580).

FIG. 16 is a diagram illustrating a procedure of falsely processing financial products according to another exemplary embodiment of the present invention. FIG.

In more detail, FIG. 16 opens a predetermined financial account based on the financial product application information provided from the web server 100 in the information processing server 140 shown in FIG. It is about a new provision processing process for managing the pseudonym financial account through a predetermined withdrawal prevention virtual account associated with the financial product until the real name of the customer applying for the financial product, and having a general knowledge in the field to which the present invention belongs. In this regard, various implementation methods for the provisional processing of the financial instrument using the financial instrument application information provided to the information processing server 140 shown in FIG. As will be appreciated, the present invention includes all such inferred methods of implementation, and the present invention is not limited thereto.

For example, in FIG. 16, only the financial product application information is provided from the web server 100 to the information processing server 140. However, a person having ordinary knowledge in the technical field to which the present invention pertains will be described. In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

Hereinafter, in FIG. 16, the information processing server 140 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 16, when predetermined financial product application information is received from the web server 100 shown in FIG. 1 through the process shown in FIG. 4 and / or FIG. The application information is read to determine whether a financial account corresponding to the financial product can be opened (1600).

If it is impossible to open a financial account corresponding to the financial product based on the financial product application information (1605), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In operation 1610, the web server 100 transmits the account opening error information to the customer terminal 175 through a predetermined network means (1615), and the financial account based on the financial product application information. Terminate the procedure.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (1605), the server is linked to the financial system 170 predetermined financial account corresponding to the financial product application information The bank is opened on the banking system 170 as a new bank (1620), and the bank account opened in the banking system in connection with the banking system 170 is a predetermined trail provided in the banking system 170. In operation 1625, the withdrawal prevention virtual account for the parent account (for example, a bank account managed until the real name of the customer applying for the financial product) is applied to the financial account corresponding to the financial product application information.

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). ) Or a terminal terminal-based financial transaction linked to the financial system 170 periodically or a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information. Financial transaction events generated from financial transaction systems including at least one system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Correspondingly) (1630).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) If it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (1635), the server is connected with the financial system 170 and the withdrawal prevention function is applied to the investment amount (or deposit amount). The deposit is processed into a virtual account (eg, a financial account processed as a provisional provision in response to the financial product application information) (1640), whereby the investment amount (or deposit amount) is the real name of the customer applying for the financial product. It will not be withdrawn by any financial transaction until it is confirmed.

According to another exemplary embodiment of the present invention, the investment amount (or deposit amount) is deposited into a virtual account equipped with the withdrawal prevention function (for example, a financial account processed as a new account in response to the financial product application information). The process may be performed independently of the server, whereby the present invention is not limited.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system). The real name of the customer of the financial product application for the financial account processed as a new account in response to the financial product application information in connection with the financial product application information) Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home) In response to a customer real name verification event generated from a financial transaction system including at least one banking system or a TV banking system ) Check.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless device. You will be familiar with how to verify customer real names for a given financial account through a financial transaction system that includes at least one banking system, telebanking system, home banking system, and TV banking system. Omit

If the real name of the financial product application customer is not confirmed (1650), the server is connected to the financial system 170, the real-name verification period for the financial account processed as a provisionally in response to the financial product application information Check whether it has passed (1655).

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (1660), the server processes the provisional parent account (e.g., as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (1660), the server is linked with the financial system 170 in response to the financial instrument application information. Convert the amount deposited in the financial account processed into the mother account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information); In response to the financial product application information, the financial account processed as a new provision is processed as a dormant account (1665).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (1650), the server is connected to the financial system 170 in response to the financial product application information is set in the financial account processed as a new provision The withdrawal prevention virtual account function is released (1670), and the server processes the bank account processed as a new new bank account in response to the financial product application information in association with the financial system 170 (1675). .

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the new establishment date (1680).

17 is a diagram illustrating a financial product provisional processing system for on-line provisional processing of financial products according to another embodiment of the present invention.

In more detail, Fig. 17 shows a financial product application for online trailing of financial products according to the present invention through a predetermined network means at a predetermined customer terminal 175 by a link connection relay of a predetermined web server 100. When the information is provided to the information processing server 140 provided in the financial institution, the information processing server 140 performs a new provision processing of the financial product corresponding to the financial product application information provided from the customer terminal 175. As for the configuration, those of ordinary skill in the art to which the present invention pertains, various implementations for the construction of the financial product provisional processing system for the online novelty processing of financial products by referring to and / or modifying this figure 17 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. .

Referring to FIG. 17 in accordance with an embodiment of the present invention, a financial product provisional processing system for on-line provisional processing of a financial product according to the present invention includes at least one member registering a financial product of at least one director online. The customer terminal 175 and the customer terminal 175 are connected to the customer terminal 175 through a predetermined network means, and the customer terminal 175 is connected to a predetermined communication channel for providing a web-based service with the customer terminal 175. Web server 100 for linking the customer terminal 175 and the information processing server 140 to provide the predetermined financial product application information to the information processing server 140 provided in a predetermined financial institution; The web server 100 connects a predetermined communication channel with the customer terminal 175 to receive predetermined financial product application information from the customer terminal 175, and receives the received financial product new product. An information processing server 140 for processing a financial product corresponding to the financial product application information in the name of the customer based on office information as a new provision and a financial system 170 for operating the financial product processed as the provisional provision. It is made up.

Here, the financial system 170 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, An accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring at at least one branch (or window); an information system for processing a headquarters business, branch office information support and customer information management; and the financial system Interconnection between 170 and at least one other financial system 170 (and / or payment system), and / or at least one non-face-to-face financial transaction means (eg, internet banking, wireless Banking, IC chip based wireless banking, tele banking, TV banking, etc.) to the financial system 170 And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 170 further includes the financial system. Interface module corresponding to the middleware platform that provides inter-component interfacing in the system 170 and predetermined information (eg, ledger information) required for each function in the component in the financial system 170. , And / or customer information, and / or management information, etc.) and comprises at least one database management system (DBMS) including at least one database for storing and managing the information. Financial transactions shall be made in accordance with the Act on the Real-name Financial Transactions and Confidential Security Act and the Concurrent Act (Presidential Decree No. 15744). If it corresponds to a real name financial account, it is valid.

According to the implementation method of the present invention, the financial system 170 is the intention of those skilled in the art and / or the type of each financial institution (eg, commercial bank, savings bank, trust bank) and the financial system 170 is provided with the financial Depending on the purpose and characteristics of the system 170, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), Those skilled in the art to which the present invention pertains will be familiar with the technical details of the financial system 170, and thus the detailed description thereof is omitted for convenience, and thus the present invention is not limited thereto.

According to an exemplary embodiment of the present invention, the financial system 170 provided in the financial institution includes at least one window terminal and a predetermined financial network (for example, a branch office) provided at a branch (and / or a branch) of the financial institution. Network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window terminal.

In addition, the financial system 170 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch), and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 170 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 170 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 170 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 170 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 170 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 170 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server, The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

According to the present invention, a customer who wants to register a predetermined financial product online through the at least one customer terminal 175 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The web server 100 is accessed and various application services provided by the web server 100 are provided.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

In addition, the wireless terminal connected to the wireless communication network is all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x-based portable Internet, and / or Motorola's DataTAC scheme And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless day It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

In addition, the web server 100 is a search service including at least one information / content to a customer terminal 175 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network. Including a portal server and / or search server that provides a personalization service, and / or mail service, and / or messenger service, and / or various information providing services, including, and / or minihompy / blog It is preferable to make.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 175 is sold to (or requested to open) the at least one customer online by the financial institution. Characterized in that it comprises the financial product information.

In addition, the web server 100 is characterized in that the link between the customer terminal 175 and the information processing server 140 via the network means including the wired communication network and / or wireless communication network, thereby The information processing server 140 may include at least one user interface for the customer to purchase (or apply for a financial product) the financial product through a network means including the wired communication network and / or a wireless communication network. The customer terminal 175 inputs (or selects) the financial product application information for the online provisional processing of the financial product according to the present invention through the user interface and / or the wired communication network. Or it transmits to the information processing server 140 via a network means including a wireless communication network.

To this end, the customer terminal 175 outputs at least one user interface provided from the information processing server 140, and inputs and / or selects at least one financial product application information through the user interface to provide the information. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information processing server 140, etc.) for transmitting to the processing server 140 is provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the information processing server 140 as described above, and input at least one financial product application information through the user interface. And / or the characteristics of the customer terminal 175 corresponding to at least one or more wired terminals and / or wireless terminals that are selectively transmitted to the information processing server 140 may be easily inferred. Omit for convenience.

According to the method of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 175 through the network means.

According to an embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 175 and connecting a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 105 is connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 175 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. Do.

For example, when the client terminal 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 105 is based on the CDMA protocol. 175 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 17, when the predetermined client terminal 175 connects to the web server 100 through the interface unit 105, the web server 100 works in conjunction with the interface unit 105. An interface agent for generating a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) for linking the terminal 175 and the information processing server 140 to the customer terminal 175. The customer terminal 175 and the information processing server based on the link information input (or selected) through the user interface at the customer terminal 175 in conjunction with the study 110 and the interface unit 105 ( It characterized in that it comprises a link processing unit 180 for linking the 140.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 175, including a search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 100 provides the web-based service to at least one customer terminal 175 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, if those skilled in the art, the web server 100 generates a user interface for linking the customer terminal 175 and the information processing server 140 (or predetermined) An interface provider 110 for extracting from a web source D / B (not shown) and providing it to the customer terminal 175 and the customer terminal 175 and the information processing server 140 based on the link information. Since you will be familiar with the technical features of the link processor 180 for linking, a detailed description thereof will be omitted for convenience.

Referring to FIG. 17, the information processing server 140 connects and manages a predetermined communication channel with the customer terminal 175 through the network means in response to a link connection of the web server 100 ( 185 and a predetermined user interface for inputting (or selecting) predetermined financial product application information from the client terminal 175 in association with the interface unit 185 (or a predetermined web source D / An interface providing unit 190 which is extracted from B (not shown) and provided to the customer terminal 175, and is inputted through the user interface at the customer terminal 175 in association with the interface unit 185. An information receiving unit 145 for receiving predetermined financial product application information to be transmitted) and a financial product application information received through the information receiving unit 145 in association with a predetermined financial system 170. The new provision opening unit 150 for opening a financial account corresponding to the loan product as a new provision and an account management unit for managing the amount deposited in the financial account opened as the provisional provision until the real name verification for the customer applying for the financial product ( 155), and a real name confirmation unit 160 for confirming whether a real name of the customer of the financial transaction application for the financial account opened as a new provision corresponding to the financial product application information is confirmed within a predetermined real name confirmation period, and the financial product. In response to the application information, when the real name of the financial account opened as a new provision is confirmed, the new account processing unit 165 is configured to process the financial account opened as the new financial account.

According to an exemplary embodiment of the present disclosure, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 185 may include the wired network and And / or at least one or more information using a communication protocol defined in a communication program included in the customer terminal 175 and connecting a predetermined communication channel with the customer terminal 175 based on a protocol stack defined in a wireless network. It is desirable to provide a communication interface for (or data) transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 175, the interface unit 185 may be connected to the client terminal 175 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 175 is provided with a communication program provided by the web server 100, the interface unit 185 establishes a communication channel with the customer terminal 175 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 185 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with the terminal 175 and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the customer terminal 175. Do.

For example, when the client terminal 175 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol, the interface unit 185 is based on the CDMA protocol. 175 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

The interface providing unit 190 is provided in the customer terminal 175 when a predetermined communication channel is connected between the predetermined customer terminal 175 and the information processing server 140 through the interface unit 195. Generate a predetermined user interface capable of inputting (or selecting) the financial instrument application information corresponding to the configured functional configuration and transmitting it to the information processing server 140 through the network means, and / or a predetermined database (shown in FIG. And extract the generated (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 195 to the customer terminal 175 via the network means. Characterized in that.

Thereafter, the customer terminal 175 inputs (or selects) the financial instrument application information based on the user interface, and inputs the input (or selected) financial instrument application information through the network means to the information processing server ( 140).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 190 is the customer. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a browser program and / or a communication program included in the terminal 175, and through the interface unit 185. It is preferable to provide the user interface 175 with a user interface generated (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal 175 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 190 is a browser program provided in the customer terminal 175. And / or generate a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a communication program, and generate the generated (or predetermined web source D / by the interface unit 185). The user interface extracted from B (not shown) is preferably provided to the customer terminal 175.

According to an embodiment of the present invention, a user interface provided by the information processing server 140 to receive (or select) predetermined financial product application information from the customer terminal 175 may be configured to include the customer among a plurality of financial products. An interface for selecting at least one financial instrument to purchase (or apply for), and output financial instrument details such as investment duration and expected return on the instrument and confirming that the customer confirmed the financial instrument detail information. An interface for outputting the terms and conditions information corresponding to the financial instrument and agreeing with the terms and conditions, an interface for inputting the amount that the customer will invest (or deposit) in the financial instrument; At least one interface for inputting (or selecting) customer information about the customer to invest It is preferable to comprise.

As a result, the customer terminal 175 selects at least one financial product to be purchased (or applied for) from the plurality of financial products through the user interface, and financial product selection information corresponding to the financial product. Input (or select) the product agreement agreement information, the financial product investment amount information, and the financial product application information including at least one of the customer information are transmitted to the information processing server 140 through the network means.

In addition, the user interface provided by the information processing server 140 to receive (or select) predetermined financial product application information from the customer terminal 175 may include a password for a financial account corresponding to the financial product. Preferably, the device further comprises an interface for inputting financial product security information. When the financial product security information is further included in the financial product application information, the financial product application information is encrypted using a predetermined encryption method to process the information. It is preferably sent to the server 140.

In addition, the user interface provided by the information processing server 140 to receive (or select) predetermined financial product application information from the customer terminal 175, the financial product application through the information processing server 140 Until the financial real name is confirmed, it is preferable to include the interface for outputting the provisions of the provisions of the provisions provisional provisions and provisional provisions period information indicating that the processing is a provisional provision and confirming that the customer has consented to the provisional provisions, In the case where the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the provisions of the invention are not limited thereto All.

If the user terminal 175 is provided with a user interface that agrees to the pseudo-process processing from the information processing server 140, the customer terminal 175 through the user interface information and the provisions of the new provisions agreement agreement Input (or select) the new application information including the processing period information to the information processing server 140 through the network means, and the user interface agreeing to the new processing according to the intention of those skilled in the art When included in the product application interface, the customer terminal 175 inputs (or selects) the provisional new application information through the financial product application interface and transmits the information to the information processing server 140 through the network means.

In addition, when the customer applying for the financial product is not a conventional financial transaction member for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution. Or / or the financial product requesting customer has no history of financial transactions with the financial institution), and the information processing server 140 inputs predetermined financial product application information from the customer terminal 175. (Or optional) the user interface provided to receive preferably comprises an interface for outputting financial transaction application terms and conditions for processing a financial transaction with the financial institution and confirming that the customer has agreed to the financial transaction application terms. The financial transaction application terms and conditions are included in the terms and conditions information corresponding to the financial product, If / or the financial transaction request is to be processed in real name confirmation process for the instrument, the interface to the customer to apply for the financial institution and the financial transaction is possible to be omitted and to which the present invention is not limited.

If a user interface for the financial transaction application is provided from the information processing server 140 to the customer terminal 175, the customer terminal 175 inputs (or selects) the financial transaction application information through the user interface. And the user interface 175 is transmitted to the information processing server 140 through the network means. When the user interface for the financial transaction application is included in the financial product application interface according to the intention of the person skilled in the art, the customer terminal 175 The financial transaction application information is input (or selected) through a financial product application interface and transmitted to the information processing server 140 through the network means.

In addition, the customer applying for the financial product is not a member of a conventional financial transaction for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution). Or / or an Internet banking member of a financial institution whose customer applies for the financial instrument, and / or the customer applying for the financial instrument corresponds to the financial instrument. If not, the user interface provided by the information processing server 140 to receive (or select) predetermined financial product application information from the customer terminal 175, the customer and the financial institution and the Internet banking system Output the Internet banking subscription terms and conditions for processing based on the financial transaction, and the Internet banking subscription terms It is preferable to include an interface to confirm that the agreement, the Internet banking subscription terms are included in the terms and conditions information corresponding to the financial product, and / or the financial transaction application is processed in the real name verification process for the financial product In this case, the interface for the customer to apply for a financial transaction based on the Internet banking system with the financial institution may be omitted, and the present invention is not limited thereto.

If a user interface for the internet banking subscription request is provided from the information processing server 140 to the customer terminal 175, the customer terminal 175 inputs the internet banking subscription request information through the user interface ( Or selects) and transmits the same to the information processing server 140 through the network means. When the user interface for the internet banking subscription application is included in the financial product application interface according to the intention of a person skilled in the art, the customer terminal 175 ) Inputs (or selects) the Internet banking subscription application information through the financial product application interface and transmits the information to the information processing server 140 through the network means.

Here, the Internet banking subscription application information may further comprise Internet banking registration information for the customer to process the financial transaction through the Internet banking system for the financial products that the customer applies through the information processing server 140. Do.

The information receiving unit 145 inputs (or selects) predetermined financial product application information through the user interface in the customer terminal 175 and transmits the information through the network means. And receiving the financial product application information, and the received financial product application information is provided to the information relay unit 130 and / or the information storage unit 125.

Herein, the financial product application information includes financial product selection information for selecting at least one financial product to be purchased (or applied) by the customer among the plurality of financial products, financial product terms and conditions agreement information corresponding to the financial product, and Preferably, the financial product investment amount information and at least one customer information are included.

According to one embodiment of the invention, the financial product application information is preferably made further comprises the provisional application information, and / or preferably further comprises the financial transaction application information, and / or the Internet It is preferable to further include banking subscription application information.

According to another exemplary embodiment of the present invention, the information receiving unit 145 may further receive predetermined provisional application information corresponding to the provisional application interface provided to the customer terminal 175 in addition to the financial product application information. And / or further receive predetermined financial transaction application information corresponding to the financial transaction application interface provided to the customer terminal 175, and / or apply for the internet banking subscription provided to the customer terminal 175. It is preferable to further receive the predetermined Internet banking subscription application information corresponding to the interface.

According to an exemplary embodiment of the present invention, the customer terminal 175 may include the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). In this case, the information receiving unit 145 transmits the encrypted financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information). It is preferable to further comprise a function for decoding.

The provisional opening unit 150 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / from the customer terminal 175 through the information receiving unit 145, and / Or, if the banking subscription application information is provided, read the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). A financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) is newly opened through the financial system 170. Characterized in that.

Here, the provisional opening unit 150 is a financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) Establishing a new provision corresponds to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) on the financial system 170. The amount of money deposited in the opened financial account until such time as the real name verification of the financial account is made, so as not to violate the law on the financial real name system and confidentiality and the concurrent enactment (Presidential Decree No. 15744). This includes making sure that no financial transaction request is withdrawn.

That is, the financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) received from the customer terminal 175 is It is not a real name financial account that corresponds to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, a financial transaction through the non-real name financial account is a violation of the law.

Accordingly, the provisional opening unit 150 may register the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription) received from the customer terminal 175. We open financial account corresponding to application information) with new provisions.

Here, when the provisional opening unit 150 establishes a financial account corresponding to the financial product as a provisional provision, it is possible to deposit a predetermined investment amount (or deposit amount) into the financial account corresponding to the financial product. It means opening a deposit-only financial account.

According to the implementation method of the present invention, the provision of new provisions 150 is the financial product application information (and / or financial product provisions new application information, and / or financial transaction application information received from the customer terminal 175, And / or Internet banking subscription application information), a procedure for opening a predetermined financial account corresponding to the financial product by interworking with external and / or information systems provided in the financial system 170, The result is provided to the account manager 155.

Those skilled in the art to which the present invention pertains, detailed procedures for establishing a predetermined financial account corresponding to the financial product is linked to the financial system 170 is established by the new provision establishment unit 150 Since it will be understood, detailed description thereof will be omitted for convenience.

Thereafter, the account management unit 155 may be configured to manage the amount of money deposited in the financial account opened by the provisional provision so as not to be withdrawn by any financial transaction until the real name verification for the customer applying for the financial product.

According to an exemplary embodiment of the present invention, when the predetermined investment amount (or deposit amount) is deposited in the financial account opened in correspondence with the financial product, the account management unit 155 may deposit the deposited amount in the financial account. It is preferable to set a lock to prevent withdrawal by any financial transaction until the real name is confirmed. If the real name of the customer applying for the financial product is confirmed, the lock on the financial account corresponding to the financial product is released. As a result, a financial account corresponding to the financial product does not violate the Financial Real Name Transaction and Confidentiality Act and Concurrent Act (Presidential Decree No. 15744).

According to another exemplary embodiment of the present invention, when the financial system 170 is provided with a virtual account function for the new provision processing corresponding to the financial product, the account manager 155 opens in response to the financial product. When a predetermined investment amount (or deposit amount) is deposited in the established financial account, a predetermined virtual account having a withdrawal prevention function is opened in connection with the financial account, and the amount deposited is transferred to the withdrawal prevention virtual account. Preferably, when the real name of the customer applying for the financial product is confirmed, the amount transferred to the virtual account equipped with the withdrawal prevention function is returned to the financial account (or re-transfer), thereby providing the financial product. Corresponding financial accounts will not violate the Financial Real Name Trading and Confidentiality Act and the Concurrent Act (Presidential Decree 15744).

According to another exemplary embodiment of the present invention, when the financial system 170 is provided with a new account processing mother account for a financial account corresponding to the financial product, the account manager 155 corresponds to the financial product. Process the opened financial account as a virtual account with a withdrawal prevention function associated with the new account processing mother account, and deposit the processed amount into a financial account processed with the virtual account with the withdrawal prevention function; Preferably, when the real name of the customer applying for the financial product is confirmed, when the real name of the customer applying for the financial product is confirmed, the withdrawal prevention function is released from the financial account processed with the virtual account with the withdrawal prevention function. The financial account corresponding to the financial product is dealt with in accordance with the Act on Financial Real Name Trading and Confidentiality No violation of the decree (Presidential Decree 15744).

The real name verification unit 160 is the financial account (eg, the financial instrument application information provided from the customer terminal 175) opened by the new provision establishment unit 150 (and / or financial product provisional application information, and And / or the financial account opened in response to the financial transaction application information, and / or the Internet banking subscription application information) after the withdrawal prevention function is processed by the account management unit 155, According to the financial real name verification procedure corresponding to the law and the concurrent law (Presidential Decree No. 15744), it is characterized in that whether the real name for the customer applying for the financial product is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name confirmation unit 160 is the financial product for the financial account corresponding to the financial product through the window terminal financial transaction system through the window terminal associated with the financial system 170 It is desirable to verify that the real name of the applying customer is confirmed.

According to another exemplary embodiment of the present invention, when the financial product application customer is a conventional financial transaction customer for the financial institution, and the financial product application customer is an Internet banking customer corresponding to the financial institution (eg, the When the financial institution has performed the real name verification process for the customer applying for the financial product), the real name verification unit 160 corresponds to the financial product through a certificate-based real name verification process defined in the Internet banking system. It is desirable to verify that the real name of the customer applying for the financial product for the financial account is confirmed.

According to another exemplary embodiment of the present invention, when the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 160 is corresponding to the financial product through a certificate-based real name verification process defined in the wireless banking system; It is desirable to verify that the real name of the customer applying for the financial product for the financial account is confirmed.

According to another embodiment of the present invention, the customer applying for the financial product is a conventional financial transaction customer for the financial institution, and the customer applying for the financial product corresponds to the financial institution, and / or home banking, and / or Or a TV banking customer (for example, when the financial institution has performed a real name verification procedure for the customer applying for the financial product), the real name verification unit 160 is an authorized certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed through the verification procedure, and the present invention is not limited thereto.

According to the implementation method of the present invention, the real name verification unit 160 is provided in the financial system 170 (or to a financial institution) in order to confirm the real name for the customer applying for the financial product within a predetermined real name verification period It is desirable to periodically request the customer applying for the financial product using the telemarketing function to perform the real name verification procedure for the financial account corresponding to the financial product.

Alternatively, the real name confirmation unit 160 is provided in the financial system 170 (or provided in a financial institution) DM (Direct) to ensure the real name for the customer applying for the financial product within a predetermined real name confirmation period. It is preferable to periodically request the customer applying for the financial product to perform the real name verification procedure for the financial account corresponding to the financial product using the Mail) function.

Alternatively, when the financial product application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 160 to confirm the real name for the financial product application customer within a predetermined real name verification period, the financial A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or a real name for a financial account corresponding to a financial instrument to the customer applying for the financial instrument in connection with the financial transaction system during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction. It is desirable to request that the verification process be performed.

If the real name of the financial product application customer is confirmed within a predetermined real name confirmation period, the real name verification unit 160 generates real name identification information for the financial product application customer and provides it to the new account processing unit 165. do.

Alternatively, when the real name of the financial product application customer is confirmed within the predetermined real name verification period, the real name verification unit 160 generates unidentified name information of the financial product application customer to generate the new account processing unit 165. To provide.

When real name confirmation information is provided from the real name confirmation unit 160 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processing unit 165 is provided with the financial system 170. The financial account corresponding to the financial product processed by the provisional opening unit 150 and / or the account management unit 155 as a provisional provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when the real name confirmation information is provided from the real name confirmation unit 160, the real name confirmation information including that the real name for the customer applying for the financial product is provided, the new account processing unit 165 The financial product is processed in the financial system by the provisional opening unit 150 and / or the account management unit 155 in association with the external and / or information system provided in the financial system 170 the financial product It is desirable to treat all financial transactions corresponding to as valid new financial accounts as possible.

According to one embodiment of the present invention, when a lock is set such that an amount deposited in a financial account opened in correspondence with the financial product is not withdrawn by any financial transaction until the real name of the financial account is confirmed, the new account The processor 165 may release the lock on the financial account corresponding to the financial product in connection with the external system and / or the information system provided in the financial system 170, thereby processing the trail. The financial account is processed as a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another exemplary embodiment of the present invention, the financial system 170 is provided with a virtual account function for the new provision processing corresponding to the financial product, so that the amount deposited into the financial account opened in correspondence with the financial product is When transferred to a predetermined virtual account provided with a withdrawal prevention function in association with a financial account, the new account processing unit 165 prevents the withdrawal in connection with the external system and / or information system provided in the financial system 170. Preferably, the amount deposited in the virtual account is returned (or re-transmitted) to a financial account corresponding to the financial instrument, and / or the removal (or erasure) of the withdrawal virtual account is made, thereby processing as a pseudonym. The financial account is processed as a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another embodiment of the present invention, the financial system 170 is provided with a new account processing mother account for a financial account corresponding to the financial product, the financial account opened in response to the financial product is When a predetermined amount is deposited (or deposited) into a financial account processed as a virtual account provided with the withdrawal prevention function by being processed as a virtual account with a withdrawal prevention function associated with a processing mother account, the new account processing unit ( 165 releases the withdrawal prevention function of the financial account processed as the virtual account provided with the withdrawal prevention function in connection with the external system and / or the information system provided in the financial system 170, and the parent account processing system Providing (or erasing) a virtual account function associated with the financial product corresponding to the financial product is preferably processed, thereby the financial system processed by the new provisions The account is treated as a valid new financial account for which all financial transactions corresponding to the financial instrument are possible.

According to an embodiment of the present invention, the new account processing unit 165 processes a financial account corresponding to the financial product as a valid new financial account capable of all financial transactions corresponding to the financial product. The financial receiver application information (and / or financial product application information, and / or financial transaction application information) is determined by the information receiving unit 145 from the customer terminal 175 on the date of opening a financial account (or a financial product investment start date). And / or the date of receiving the Internet banking subscription request information) or the date when the provisional opening unit 150 establishes a financial account corresponding to the financial product on the financial system 170 as a provisional provision. It is desirable to apply retrospectively on one date.

When the real name is not confirmed by the real name confirmation unit 160 until the real name confirmation period has passed, the real name unidentified information is provided from the real name confirmation unit 160, The new account processing unit 165 is deposited into a financial account corresponding to the financial product processed by the new provision opening unit 150 and / or the account management unit 155 as a new provision in association with the financial system 170. It is characterized in that the amount of money to be re-transmitted (or re-transfer) to the parent account transferred to the financial account.

According to an exemplary embodiment of the present invention, the parent account transferred to the financial account may be a financial account provided in the financial institution, wherein the new account processing unit 165 may include an account account provided in the financial system 170. It is preferable to repatriate (or transfer) the amount deposited in the financial account corresponding to the financial instrument to the parent account, whereby the financial account corresponding to the financial instrument is subject to the Act on Financial Real Name Transactions and Confidentiality and It will not violate the concurrent decree (Presidential Decree 15744).

According to another exemplary embodiment of the present invention, the parent account transferred to the financial account may be a financial account provided in a financial institution other than the financial institution, wherein the new account processing unit 165 is the financial system 170. The amount deposited in the financial account corresponding to the financial product in connection with the account system provided in the) is preferably returned (or transferred) to the mother account on the financial system 170 provided at another financial institution, whereby the financial Financial accounts corresponding to the goods will not violate the above-mentioned real-name financial transactions and confidentiality laws and concurrent laws (Presidential Decree No. 15744).

If the parent account does not exist for the amount deposited in the financial account corresponding to the financial product in the method, it corresponds to the case where the investment amount (or deposit amount) is unpaid. The bank account corresponding to the financial product is exchanged through the bank account at the branch (or branch) of the financial institution, and the bank account and the real name confirmation of the customer applying for the financial product are processed at the same time. And non-compliance with the Law on Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the processing of the financial account corresponding to the financial product by the provisional processing unit and / or account management unit 155 provided in the information processing server 140 as the provisional provision is deposited into the financial account corresponding to the financial product. It is preferable that the amount further includes blocking the bank account deposits other than the financial institution.

18 is a view showing the configuration of the new provision processing information for the new provision processing of the financial product according to an embodiment of the present invention.

In more detail, FIG. 18 shows predetermined false processing information for processing false information of the financial product in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system 170 shown in FIG. As shown in FIG. 18, a person having ordinary knowledge in the art to which the present invention pertains is referred to, and / or modified with reference to FIG. It is possible to infer various information construction methods for storing predetermined false processing information for the false new processing, but the present invention includes all the above-described inferred implementation methods, and is not limited to the implementation method shown in FIG. .

Referring to FIG. 18 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 170 may include a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, DBMS on the financial system 170 The ledger D / B included in the at least one ledger (for example, loan ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and the specific technical matters therefor will be understood. Omit.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, store number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, brief, CIF, etc. This includes transaction details.

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

Referring to FIG. 18, the provisional opening unit 150 and / or the account management unit 155 of the information processing server 140 illustrated in FIG. 1 may be provided with an external system and / or information provided in the financial system 170. In connection with the account, generate predetermined provisional processing information including the account number for the financial account corresponding to the financial product application information, the date of establishment of a new provision, the expiration of the real name verification, the extension of the real name verification period, the deposit before the real name verification and the mother account number. By using the additional information of the account ledger corresponding to the financial account, characterized in that for storing.

The account number of the new provision processing information is information for linking and processing the new provision processing information with a financial account corresponding to the financial product, and the financial account number corresponding to the financial product processed according to the present invention. It is made to include.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date when a financial account corresponding to the financial instrument is opened on the ledger D / B, and the financial product application customer corresponding to the financial instrument processed by the provisional provisional If the real name is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name confirmation expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer of the financial product application for the financial account corresponding to the financial product within the real name verification expiration date is confirmed Should be.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event that a problem arises in that it is difficult to confirm the real name of the customer applying for the financial product for the financial account corresponding to the financial product, and / or when the provisional term information includes the automatic extension of the term for the expiration of the real name verification, the real name Even after the expiration date of confirmation, the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

The deposit before the real name confirmation of the provisional processing information corresponds to the financial product when a predetermined amount is deposited into the financial account before the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed. As the amount of money deposited into the financial account, the deposit before the real name verification is not withdrawn until the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In addition, the parent account number of the pseudonym processing information is an account number for depositing the deposit before the real name verification into a financial account corresponding to the financial product, and after the real name verification expiration date has passed (and / or after the real name verification expiration date) If the real name of the customer applying for the financial instrument for the financial account corresponding to the financial instrument is not confirmed even after a predetermined extension period following the extension of the real name verification period, the deposit before the real name verification (or transfer) This is done by including an account number.

According to another embodiment of the invention, the information contained in the provisional processing information is stored in the form of information included in the account ledger (not shown), and / or other ledgers other than the account ledger (eg, customers It may be stored in the form of additional information added to the ledger) and / or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus, the present invention is not limited thereto.

19 is a view showing the configuration of the new provision processing information for the new provision processing of the financial product according to another embodiment of the present invention.

In more detail, FIG. 19 shows predetermined false processing information for processing false information of the financial product in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system 170 shown in FIG. As shown in FIG. 19, a person having ordinary skill in the art to which the present invention pertains is referred to, and / or modified by referring to FIG. It will be able to infer various information construction methods to be stored in association with the ledger D / B, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 19, when it is not easy to store the provisional processing information in the ledger information of the ledger D / B on the DBMS provided on the financial system 170 (for example, the ledger of the DBMS due to the policy of the financial institution). If it is not easy to change the D / B, or the system expansion is not easy due to the characteristics of the financial system 170), the trailing information processing is stored in a predetermined database instead of the ledger D / B, and the database And an implementation method for storing the ledger D / B in a coordinated process.

Referring to FIG. 19, the database stores the pseudo-processing information, wherein the pseudo-processing information corresponds to the ledger information in the pseudo-processing information in order to be processed in association with the ledger D / B. It is preferable to further comprise a CIF number.

In FIG. 19, the new provision processing information stored in the database includes an account number for the financial account corresponding to the financial instrument, the date of establishment of the provisional provision, the real name verification expiration date, the real name verification period extension, the real name verification deposit and the mother account number. Characterized in that comprises a.

The account number of the new provision processing information is information for linking and processing the new provision processing information with a financial account corresponding to the financial product, and the financial account number corresponding to the financial product processed according to the present invention. It is made to include.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date when a financial account corresponding to the financial instrument is opened on the ledger D / B, and the financial product application customer corresponding to the financial instrument processed by the provisional provisional If the real name is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name confirmation expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer of the financial product application for the financial account corresponding to the financial product within the real name verification expiration date is confirmed Should be.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event that a problem arises in that it is difficult to confirm the real name of the customer applying for the financial product for the financial account corresponding to the financial product, and / or when the provisional term information includes the automatic extension of the term for the expiration of the real name verification, the real name Even after the expiration date of confirmation, the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

The deposit before the real name confirmation of the provisional processing information corresponds to the financial product when a predetermined amount is deposited into the financial account before the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed. As the amount information deposited into the financial account, the deposit before the real name confirmation is not withdrawn until the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed.

In addition, the parent account number of the pseudonym processing information is an account number for depositing the deposit before the real name verification into a financial account corresponding to the financial product, and after the real name verification expiration date has passed (and / or after the real name verification expiration date) If the real name of the customer applying for the financial instrument for the financial account corresponding to the financial instrument is not confirmed even after a predetermined extension period following the extension of the real name verification period, the deposit before the real name verification (or transfer) This is done by including an account number.

20 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to an embodiment of the present invention.

In more detail, FIG. 20 provides the user interface 175 with a predetermined financial product application user interface through the link connection of the web server 100 in the information processing shown in FIG. 17, wherein the customer terminal 175 ) Inputs (or selects) predetermined financial product application information through the financial product application user interface to provide it to the web server 100 through a predetermined network means, and the predetermined interface means in the web server 100. Through the process of providing the financial product application information to the information processing server 140 provided in a financial institution corresponding to the financial product through, if the person having ordinary knowledge in the technical field to which the present invention belongs, 20 and various modifications for providing the financial product application information from the customer terminal 175 to the information processing server 140 through the web server 100 by referring to and / or modified 20 Would be able to infer the way, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 20.

For example, in FIG. 20, only the financial product application information is provided from the customer terminal 175 to the web server 100. However, the present invention may be applied to those skilled in the art. In response to the user interface provided by the web server 100 to the customer terminal 175, the financial product application information, and / or financial transaction application information in addition to the financial product application information in the customer terminal 175, and / Or it may be inferred the implementation method for providing the Internet banking subscription information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription in the customer terminal 175 It includes an implementation method for providing the application information, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 The financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information) is encrypted and transmitted, and the information processing server 140 in the financial product While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 20, the customer terminal 175 shown in FIG. 17 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (2000), and the web. At least one web-based service provided by the server 100 is used (2005). At this time, the web server 100 provides the web-based service provided to the customer terminal 175 online of the financial product according to the present invention. While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 175. Periodically check whether a predetermined financial product application user interface is requested (2010). If the financial product application interface is requested from the customer terminal (175) (2015), the web server 100 is connected to the customer terminal. 175 links to the information processing server 140 to connect (2020).

Thereafter, the information processing server 140 generates (or extracts from a predetermined web source D / B (not shown)) a predetermined financial product application user interface to be provided to the customer terminal 175 (2025). The financial instrument application user interface is provided to the mobile terminal through a network means (2030).

Thereafter, the customer terminal 175 inputs (or selects) predetermined financial product application information through the financial product application user interface (2035), and the financial product application information is at least one to be purchased (or applied) by the customer. It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial instrument application information is input (or selected) as described above, the customer terminal 175 transmits the financial instrument application information to the information processing server 140 through the network means (2040), and the information. The processing server 140 receives the financial product application information provided from the customer terminal 175 through a predetermined network means (2045).

21 is a diagram illustrating an information providing process for online pseudonym processing of financial products according to another embodiment of the present invention.

In more detail, FIG. 21 provides the user interface 175 with a predetermined financial product application user interface through the link connection of the web server 100 in the information processing shown in FIG. ) Input (or select) and encrypt predetermined financial product application information through the financial product application user interface and provide the same to the web server 100 through a predetermined network means, and the financial information from the web server 100. The present invention relates to a process of decoding the product application information and providing the financial product application information to an information processing server 140 provided in a financial institution corresponding to the financial product through a predetermined interface means. If the person skilled in the art, the information processing server 140 through the web server 100 in the customer terminal 175 by referring to and / or modified in this figure 21 Would be able to infer a variety of exemplary ways to provide the instrument application information, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 21.

For example, in FIG. 21, only the financial product application information is provided from the customer terminal 175 to the web server 100. However, the present invention may be applied to those skilled in the art. In response to the user interface provided by the web server 100 to the customer terminal 175, the financial product application information, and / or financial transaction application information in addition to the financial product application information in the customer terminal 175, and / Or it may be inferred the implementation method for providing the Internet banking subscription information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription in the customer terminal 175 It includes an implementation method for providing the application information, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 The financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information) is encrypted and transmitted, and the information processing server 140 in the financial product While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 21, the customer terminal 175 shown in FIG. 17 connects to the web server 100 via a network means including at least one wired and / or wireless communication network (2100), and the web. At least one web-based service provided by the server 100 is used (2105). At this time, the web server 100 provides the web-based service provided to the customer terminal 175 online of the financial product according to the present invention. While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 175 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 175. Periodically checks whether a predetermined financial product application user interface is requested (2110). If the financial product application interface is requested from the customer terminal 175 (2115), the web server 100 is connected to the customer terminal. 175 is linked to the information processing server 140 and connected (2120).

Thereafter, the information processing server 140 generates (or extracts from a predetermined web source D / B (not shown)) a predetermined financial product application user interface equipped with a predetermined security function (2125), and the network means. The financial product application user interface is provided to the mobile terminal through the terminal 2130.

The security function provided in the financial product application user interface may include a function of encrypting the financial product application information input (or selected) by the customer terminal 175 using a predetermined encryption method and / or the financial product application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the financial product application user interface, wherein the security program is to encrypt the financial product application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include an official certificate having at least one encryption key for encrypting the financial product application information, thereby not limited to the present invention.

Thereafter, the customer terminal 175 inputs (or selects) predetermined financial product application information through the financial product application user interface (2135), and the financial product application information is at least one to be purchased (or applied for) by the customer. It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial product application information is input (or selected) as described above, the customer terminal 175 encrypts the financial product application information according to a predetermined encryption method through a security function provided in the financial product application user interface ( And / or attach the electronic signature of the customer to the financial instrument application information) (2140), and transmit the encrypted financial instrument application information to the information processing server 140 via the network means (2145).

The information processing server 140 which has received the encrypted financial product application information through the network means decrypts the financial product application information in a decryption method corresponding to the encryption method (2150).

22 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a customer terminal 175 according to an embodiment of the present invention.

In more detail, FIG. 22 illustrates an implementation method of encrypting and transmitting the financial instrument application information by a symmetric key (or secret key) method in a customer terminal 175 having a predetermined encryption function. If there is a general knowledge in the field, various implementation methods for encrypting the financial instrument application information in a symmetric key (or secret key) manner at the client terminal 175 on the network means by referring to and / or modifying this figure 22 It can be inferred that, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 22, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 22 according to an embodiment of the present invention, the symmetric key (or secret key) is included in a security program corresponding to a security function provided in the financial instrument application interface, and / or included in the financial instrument application interface. Preferably, the symmetric key (or secret key) is in accordance with the intention of the person skilled in the art to a public certificate provided to the customer terminal 175 by a predetermined certification authority, and / or a predetermined public certificate provided in connection with the security program. Although illustrated in FIG. 22, the symmetric key (or secret key) is read out from a predetermined public certificate for convenience, but the present invention is not limited thereto.

Referring to FIG. 22, when predetermined financial product application information is input (or selected) through the financial product application user interface in the customer terminal 175 (2200), the security function unit is provided in the customer terminal 175. Read a predetermined symmetric key (or secret key) for encrypting the financial product application information from the authorized certificate (2205), and encrypts the financial product application information through the read symmetric key (or secret key) (2210) ).

Here, the encryption function of the security function is called E (Encryption), the symmetric key (or secret key) is k (key), the financial instrument application information P (Plaintext), and the symmetric key (or secret key) If the encrypted financial product application information is referred to as C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the symmetric key (or secret key) by the security function, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( It is preferable to include at least one or more of the International Data Encryption Algorithm, and various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the financial instrument application information is encrypted through the symmetric key (or secret key) as described above, the encrypted financial instrument application information is transmitted to the information processing server 140 through a communication protocol defined on the network means ( 2215).

FIG. 23 is a diagram illustrating a method of decrypting financial product application information encrypted and received by the information processing server 140 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 23 illustrates that the financial product application information encrypted and received from the customer terminal 175 having a predetermined encryption function is decrypted by a predetermined information processing server 140 in a symmetric key (or secret key) manner. As to a method of implementation, if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 23 to mirror the encrypted financial product application information in the customer terminal 175 on the network means. Various implementation methods for decrypting with a key (or secret key) method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 23 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the information processing server 140, the public certificate is the information processing server 140 Is preferably stored in a predetermined database (not shown) that cooperates with, and the present invention is not limited thereto.

Referring to FIG. 23, the information receiving unit 145 of the information processing server 140 receives the encrypted financial product application information through the network means (2300), and the financial product application information is defined in the network means. It is preferably received via the communication protocol stack.

Thereafter, the information receiver 145 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted financial product application information from the authorized certificate provided in the information processing server 140 (2305). The encrypted financial product application information is decrypted using the extracted symmetric key (or secret key) (2310).

Here, the decryption function of the information receiving unit 145 is called D (Decryption), and the financial product application information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) is C. (Ciphertext) and the decrypted financial instrument application information is P (Plaintext), the function of the information receiving unit 145 to decrypt the encrypted financial instrument application information is "Dk = P, or Dk (Ek (P )) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted financial product application information through the symmetric key (or secret key) by the information receiver 145 may include SEED, DES (Data Encryption Standard), Triple-DES. At least one of Skipjack, International Data Encryption Algorithm (IDEA) is preferably included. In addition, various types of decryption algorithms may be used. However, the decryption algorithm may include the encryption algorithm used in the client terminal 175. Characterized by matching, the present invention is not limited by a specific decoding algorithm.

When the financial product application information encrypted through the symmetric key (or secret key) is decrypted as described above, the information receiver 145 provides the decrypted financial product application information to the hidden provision establishment unit 150 (2315). ), The new provision opening unit 150 processes and opens a financial account corresponding to the financial product application information as a new provision in association with the financial system 170.

24 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal 175 according to an embodiment of the present invention.

More specifically, FIG. 24 illustrates an embodiment of a method of encrypting and transmitting the financial instrument application information in a public key infrastructure structure in a customer terminal 175 having a predetermined encryption function. With the knowledge of the present invention, various implementation methods for encrypting the financial instrument application information in a public key manner can be inferred by referring to and / or modifying the drawing 24, in the client terminal 175 on the network means. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 24, the information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 24 according to the embodiment of the present invention, the server-side public key is preferably included in a security program corresponding to a security function provided in the financial instrument application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 175, and / or a predetermined public certificate provided in association with the security program. In FIG. 24, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the public certificate to the customer terminal 175, whereby the present invention is not limited thereto. .

Referring to FIG. 24, when predetermined financial product application information is input (or selected) through the financial product application user interface at the customer terminal 175 (2400), the security function unit applies for the financial product from the authorized certificate. A predetermined server-side public key for encrypting the information is extracted (2405), and the financial instrument application information is encrypted (2410) using the extracted server-side public key.

Herein, the encryption function of the security function is referred to as E (Encryption), the server-side public key is k1 (key), the financial product application information is P (Plaintext), and the financial product application information encrypted with the server-side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, at least one of the ECDH is preferably included. In addition to the various encryption algorithms may be used, the present invention by a specific encryption algorithm It is not limited.

For example, in the case of encrypting the financial instrument application information through the RSA encryption algorithm, among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the security function can be expressed as" C = Ek1 (P) = Pe mod n ".

When the financial instrument application information is encrypted through the server-side public key as described above, the encrypted financial instrument application information is transmitted to the information processing server 140 through a network component on the network means (2415).

FIG. 25 is a diagram illustrating a method for decrypting financial product application information encrypted and received by an information processing server 140 according to an embodiment of the present invention using a public key infrastructure.

In more detail, FIG. 25 illustrates a method for decrypting the financial product application information, which is encrypted and received from a customer terminal 175 having a predetermined encryption function, by a predetermined information processing server 140 in a public key infrastructure. As is known in the art, the financial instrument application information encrypted with the server-side public key in the client terminal 175 on the network means is described with reference to and / or modification of the present invention. Although various implementation methods of decrypting using a public key infrastructure structure may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

In FIG. 25 according to the embodiment of the present invention, the server-side private key for decrypting the financial product application information encrypted with the server-side public key in a public key infrastructure scheme is the certificate of authentication provided in the information processing server 140. It is preferable to read from the public certificate, and the public certificate is preferably stored in a predetermined database (not shown) interworking with the information processing server 140, and thus the present invention is not limited thereto.

Referring to FIG. 25, the information receiving unit 120 of the information processing server 140 receives encrypted financial product application information through the network means (2500), and the financial product application information is defined in the network means. It is preferably received via a communication protocol stack.

Thereafter, the information receiving unit 120 extracts a server-side private key for decrypting the encrypted financial product application information from the authorized certificate provided in the information processing server 140 (2505), and extracts the extracted server-side individual. The encrypted financial product application information is decrypted through a key (2510).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the financial instrument application information encrypted with the server-side public key is C (Ciphertext), and the server. When the financial instrument application information decrypted with the side private key is P (Plaintext), the function of the information receiver 120 decrypting the encrypted financial instrument application information is "Dk2 = P, or Dk2 (Ek (P)) = It can be expressed by an expression such as "P".

According to an embodiment of the present invention, the algorithm for decrypting the financial instrument application information encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with the encryption algorithm used in the customer terminal 175, and the present invention is not limited by a specific decryption algorithm.

For example, when decrypting the financial instrument application information through the RSA decryption algorithm among the public key-based decryption algorithms, the published method (Modulus) used in the decryption process is not disclosed by n and the different prime factors of n. If the fraction is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b", where d is "de = 1 mod (a-1) (b-1) ", where the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

When the financial product application information encrypted with the server-side public key is decrypted by the client terminal 175 through the server-side private key as described above, the information receiving unit 120 transmits the decrypted financial product application information to the provisional opening unit. Provided to (150) (2515), the new provision establishment unit 150 is opened in the process of processing a financial account corresponding to the financial product application information in association with the financial system 170 as a new provision.

FIG. 26 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal 175 according to an embodiment of the present invention.

More specifically, FIG. 26 illustrates an implementation method of encrypting and transmitting the financial product application information by an electronic envelope method in a customer terminal 175 having a predetermined encryption function, which is commonly known in the art. With reference to FIG. 26 and / or modifications, various implementation methods of encrypting the financial instrument application information in an electronic envelope method at the client terminal 175 on the network means may be inferred. It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 26, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 26 according to an embodiment of the present invention, the server-side public key may be included in a security program corresponding to a security function provided in the financial product application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 175, and / or a predetermined public certificate provided in association with the security program. In FIG. 26, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the public certificate to the customer terminal 175, whereby the present invention is not limited thereto. .

Referring to FIG. 26, when predetermined financial product application information is input (or selected) through the financial product application user interface in the customer terminal 175 (2600), the security function unit stores the financial product application information in a private key. A predetermined random secret key for encrypting using a secret key (symmetric key) method is generated (2605), and the financial product application information is encrypted using the generated secret key (2610).

Here, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial instrument application information P (Plaintext), and the financial product application information encrypted with the secret key C Supposing (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information by the security function through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data Encryption Algorithm (IDEA) It is preferable to include at least one of the above, and in addition to the various types of encryption algorithm may be used, the present invention is not limited by a specific encryption algorithm.

Thereafter, the security function encrypts the secret key (random secret key) used to encrypt the financial instrument application information. For this purpose, the security function extracts a predetermined server-side public key from the public certificate (2615), The secret key is encrypted using the server-side public key (2620).

Here, the encryption function of the security function is called E (Encryption), the server-side public key is k1 (key), the secret key is r (random Secret key), and the secret key encrypted with the server-side public key is C. In the case of (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function can be expressed as" C = Ek1 (r) = re mod n ".

If the financial instrument application information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the security function unit encrypts the financial instrument application information with the secret key and the server-side public key. It generates the transaction data associated with and transmits to the information processing server 140 through the network component on the network means (2625).

FIG. 27 is a diagram illustrating a method of decrypting financial product application information encrypted and received by the information processing server 140 according to an embodiment of the present invention by an electronic envelope method.

More specifically, FIG. 27 illustrates an electronic envelope method of the transaction data in a predetermined information processing server 140 that receives transaction data including encrypted financial product application information from a customer terminal 175 having a predetermined encryption function. The present invention relates to an embodiment of the present invention, which, if known to those of ordinary skill in the art, refers to and / or modifyes the present invention by encrypting the electronic envelope in the customer terminal 175 on the network means. Various implementation methods for decrypting the transaction data in the same electronic envelope may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

In this figure 27 according to an embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the information processing server 140, and the public certificate. Is preferably stored in a predetermined database (not shown) that cooperates with the information processing server 140, and thus the present invention is not limited thereto.

Referring to FIG. 27, the information receiving unit 120 of the information processing server 140 receives predetermined transaction data including encrypted financial product application information through the network means (2700). It is preferably received via a communication protocol stack defined in said network means.

Thereafter, the information receiving unit 120 extracts a server-side private key for decrypting an encrypted secret key included in the transaction data from the public certificate provided in the information processing server 140 (2705), and extracts the extracted private key. By decrypting the private key encrypted with the server-side public key in the client terminal 175 through a server-side private key (2710), a predetermined secret key for decrypting the financial instrument application information is extracted (2715), and By decrypting the financial instrument application information using the extracted secret key (2720), the financial instrument application information encrypted with the secret key is extracted from the customer terminal (175) (2725).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server-side individual. When the secret key decrypted with the key is r (random secret key), the function of decrypting the encrypted secret key by the information receiving unit 120 has a function such as "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial instrument application information encrypted with the secret key (C (Ciphertext)), and the decryption When the financial product application information is referred to as P (Plaintext), the function of the information receiving unit 120 to decrypt the encrypted financial product application information is "Dr = P, or Dr (Er (P)) = P". It can be expressed as an expression.

According to the method of the present invention, the algorithm for decrypting the encrypted financial product application information by the information receiving unit 120 using the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably comprises at least one or more, and may be used in addition to a variety of decryption algorithms, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal (175) The present invention is not limited to the specific decoding algorithm.

When the financial product application information is decoded as described above, the information receiving unit 120 provides the decoded financial product application information to the false new establishment unit 150 (2730), the false new establishment unit 150 In connection with the financial system 170, a financial account corresponding to the financial product application information is opened as a new provision.

28 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal 175 according to an embodiment of the present invention.

More specifically, FIG. 28 illustrates an implementation method of encrypting and transmitting the financial instrument application information by a key exchange method in a customer terminal 175 having a predetermined encryption function, which is commonly known in the art. However, various implementation methods of encrypting the financial instrument application information in a key exchange method may be inferred from the client terminal 175 on the network means by referring to and / or modifying this drawing 28. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 28, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 28 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are provided in a security program corresponding to a security function provided in the financial product application interface, and / or the financial product application interface. Preferably, the terminal-side private key and the server-side public key are provided in association with an authentication certificate provided to the customer terminal 175 by a predetermined certification authority, and / or the security program according to the intention of a person skilled in the art. It may be provided in the public certificate of the present invention, but in FIG. 28, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate for convenience, but the present invention is not limited thereto.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority that issues the certificate to the client terminal 175. The present invention is not limited.

Referring to FIG. 28, when predetermined financial product application information is input (or selected) through the financial product application user interface in the customer terminal 175 (2800), the security function unit may set the financial product application information. Generates a message digest including a hash code of a certain length regardless of the length of the financial instrument application information (eg, a message digest), and generates an original message through the hash code (or message digest). A one-way hash function that cannot identify (or infer) the message, wherein the client terminal 175 and the information processing server 140 use the same hash function to generate a predetermined message digest (2805). In operation 2810, the message digest is encrypted by using the terminal-side private key.

Herein, the encryption function of the security function is called E (Encryption), the terminal side private key is t1 (29erminal side key), the message digest is m (message digest), and the message digest encrypted with the terminal side private key. Speaking of C (Ciphertext), the digital signature function of the security function unit can be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, an algorithm for encrypting the message digest by the security function unit using the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the security function can be expressed as" C = Et1 (m) = me mod n ".

In addition, the security function unit generates a predetermined random secret key for encrypting the financial instrument application information in a secret key (symmetric key) method (2815), the financial product application information and the The message digest encrypted with a terminal-side private key and a copy of a certificate (eg, a certificate including a terminal-side public key) included in the public certificate are linked to each other and encrypted through the generated private key (2820).

Herein, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial product application information and the copy of the certificate P (Plaintext), and the financial product application encrypted with the secret key When the information and the certificate copy are referred to as C (Ciphertext), the encryption function of the security function can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information and the copy of the certificate through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data (IDEA). It is preferable to include at least one or more of the Encryption Algorithm, and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

The security function unit extracts a predetermined server-side public key from the authorized certificate to encrypt the private key that encrypts the financial product application information (2825), and applies for the financial product using the server-side public key. The secret key encrypting the information is encrypted (2830).

Herein, the encryption function of the security function is referred to as E (Encryption), the server side public key is s1 (server side key), the secret key is r (random secret key), and a secret key encrypted with the server side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function may be expressed as" C = Es1 (r) = re mod n ".

The financial product application information, the message digest encrypted with the terminal-side private key, and a copy of a certificate including the terminal-side public key are linked to each other and encrypted through the generated secret key, wherein the secret key is used to store the server-side public key. When encrypted via the security function, the security function unit encrypts the copy of the certificate including the message digest encrypted with the secret key and the terminal side private key and the terminal side public key encrypted with the server side public key. The predetermined transaction data is generated in association with the secret key, and the generated transaction data is transmitted to the information processing server 140 through a network component on the network means (2835).

29 is a diagram illustrating a method of decrypting the financial instrument application information received encrypted by the information processing server 140 by a key exchange method according to an embodiment of the present invention.

In more detail, FIG. 29 illustrates key exchange of the transaction data in a predetermined information processing server 140 that has received transaction data including encrypted financial product application information from a customer terminal 175 having a predetermined encryption function. Method for decrypting in a computer-readable manner, and if the present invention belongs to those skilled in the art, refer to and / or modify this drawing 29 to the key exchange method in the customer terminal 175 on the network means. Various implementation methods for decrypting encrypted transaction data with the same key exchange method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 29 according to an embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the information processing server 140. In addition, the public certificate is preferably stored in a predetermined database (not shown) that interoperates with the information processing server 140, whereby the present invention is not limited.

Referring to FIG. 29, the information receiving unit 120 of the information processing server 140 receives transaction data including the financial product application information encrypted through the network means (2900), and the transaction data is the network. And a copy of the certificate including the message digest and the terminal-side public key encrypted with the financial instrument application information encrypted with the secret key and the terminal-side private key, and / or received via a communication protocol defined in the means. And the secret key encrypted with the server-side public key.

Thereafter, the information receiver 120 extracts the server-side private key from the public certificate provided in the information processing server 140 to decrypt the secret key encrypted with the server-side public key (2910), and the server side. By decrypting the secret key via a private key (2915), the secret key for decrypting a copy of the certificate including the message digest encrypted with the financial instrument application information and the terminal-side private key and the terminal-side public key is extracted. (2920)

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and the server When the secret key decrypted with the side private key is r (random secret key), the function of decrypting the encrypted secret key by the information receiver 120 is "Ds2 = r, or Ds2 (Es1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 175 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the information receiving unit 120 includes a certificate including the message digest and the terminal-side public key encrypted with the financial product application information and the terminal-side private key using the extracted secret key. By decrypting the copy (2925), a copy of the certificate including the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the information receiver 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key And a copy of the certificate including the terminal-side public key C (Ciphertext), and a copy of the certificate including the message digest encrypted with the decrypted financial instrument application information and the terminal-side private key and the terminal-side public key P ( Plaintext), the information receiver 120 decrypts the copy of the certificate including the encrypted financial product application information and the terminal digest key encrypted with the terminal-side private key, " Dr = P. " , Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the information receiving unit 120 copies the certificate including the message digest encrypted with the encrypted financial product application information and the terminal-side private key through the secret key and the terminal-side public key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with the encryption algorithm used in the customer terminal 175, and the present invention is not limited to the specific decryption algorithm.

In addition, the information receiver 120 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (2930), and generates and transmits the financial product application information from the customer terminal 175. Extract the message digest (2935).

Here, the decryption function of the information receiving unit 120 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the terminal. When the message digest decrypted with the side public key is m (Message Digest), the function of decrypting the encrypted message digest by the information receiving unit 120 is "Dt2 = m, or Dt2 (Es1 (r)) = m". The same formula can be used.

According to an embodiment of the present invention, an algorithm for the information receiver 120 to decrypt a message digest encrypted with the terminal-side private key in the client terminal 175 through the terminal-side public key may be RSA (Ron Rivest, Adi Shamir). , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 175, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the information receiver 120 generates a predetermined message digest through the same one-way hash function with the received financial product application information (2940), and then generates the generated message digest and the decryption. By comparing the received message digest (2945), the validity of the received financial instrument application information is verified.

If the generated message digest and the decrypted message digest coincide with each other (2950), the information receiver 120 provides the financial product application information to the trail establishment unit 150 (2955). The establishment unit 150 processes the financial account corresponding to the financial product application information in association with the financial system 170 and establishes a new account.

30 is a view showing a new process of processing a financial product according to an embodiment of the present invention.

In more detail, FIG. 30 illustrates the establishment of a new provisional financial account on the basis of the financial product application information provided from the customer terminal 175 in the information processing server 140 shown in FIG. 17, and the provisional financial account. It is about the provisional processing process for setting the withdrawal lock function to manage the provisional financial account until the real name of the customer applying for the financial product, if the person having ordinary knowledge in the field of the present invention, By referring to and / or modifying FIG. 30, various implementation methods for the provisional processing of the financial product using the financial product application information provided to the information processing server 140 shown in FIG. 17 may be inferred. The present invention encompasses all of the above inferred methods of implementation, whereby the present invention is not limited.

For example, in FIG. 30, only the financial product application information is provided from the customer terminal 175 to the information processing server 140. However, the present invention may be applied to those skilled in the art. In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

In the drawing, the information processing server 140 shown in the drawing 17 will be referred to as " server "

Referring to FIG. 30, when predetermined financial product application information is received from the customer terminal 175 shown in FIG. 17 through the process shown in FIG. 20 and / or 21, the server receives the financial information. The product application information is read to determine whether a financial account corresponding to the financial product can be opened (3000).

If it is impossible to open a financial account corresponding to the financial product based on the financial product application information (3005), the server generates account opening error information corresponding to the financial product and transmits it to the customer terminal 175. By ending 3010, the financial account provisional new procedure based on the financial product application information is terminated.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (3005), the server in connection with the financial system 170, a predetermined financial account corresponding to the financial product application information The system is opened on the financial system 170 as a provisional rule (3020), and the withdrawal lock function for the financial account opened as the provisional provision is established in connection with the financial system 170 (3025).

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). The terminal-based financing linked to the financial system 170 periodically and / or whether a predetermined investment amount (or deposit amount) is deposited into a financially processed financial account corresponding to the financial product application information. Financial transaction events originating from financial transaction systems including at least one transaction system, financial terminal-based financial transaction system including CD / ATM, internet banking system, wireless banking system, telebanking system, home banking system, TV banking system Correspondingly) (3030).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) When it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (3035), the server connects the investment amount (or deposit amount) to the withdrawal lock function in connection with the financial system 170. A deposit is processed into a provided financial account (eg, a financial account processed as a provisional provision in response to the financial product application information) (3040), whereby the investment amount (or deposit amount) is the real name of the customer applying for the financial product. It will not be withdrawn by any financial transaction until it is confirmed.

According to another exemplary embodiment of the present invention, the investment amount (or deposit amount) is deposited into a financial account equipped with the withdrawal lock function (eg, a financial account processed as a provisional account in response to the financial product application information). The process may be performed independently of the server, whereby the present invention is not limited.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system). The real name of the customer of the financial product application for the financial account processed as a new account in response to the financial product application information in connection with the financial product application information) Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home) In response to a customer real name verification event generated from a financial transaction system including at least one banking system or a TV banking system ) Check.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. You will be familiar with how to verify your real name for a given financial account through a financial transaction system that includes at least one system, a telebanking system, a home banking system, and a TV banking system. do

If the real name of the financial product application customer is not confirmed (3050), the server is connected to the financial system 170 in response to the financial product application information, the real name verification period for the newly processed financial account Check whether it has passed (3055).

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (3060), the server processes the provisional parent account (eg, as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (3060), the server is linked with the financial system 170 in response to the financial instrument application information. Convert the amount deposited in the financial account processed into the mother account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information); In response to the financial product application information, the financial account processed as a new provision is processed as a dormant account (3065).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name confirmation period (3050), the server is established in the financial account processed as a provision in response to the financial product application information in connection with the financial system 170 After dismissing the withdrawal lock function (3070), the server processes the financial account processed as a temporary new financial account in response to the financial product application information in association with the financial system 170 (3075).

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the new establishment date (3080).

31 is a view showing a new provision processing of a financial product according to another embodiment of the present invention.

More specifically, FIG. 31 opens a predetermined financial account based on the financial product application information provided from the customer terminal 175 in the information processing server 140 shown in FIG. 17, and the pseudo-new financial account. It is about a new provision processing process for managing the pseudonym financial account through a predetermined withdrawal prevention virtual account associated with the financial product until the real name of the customer applying for the financial product, and having a general knowledge in the field to which the present invention belongs. In this regard, various implementation methods for the provisional processing of the financial product using the financial product application information provided to the information processing server 140 illustrated in FIG. 17 by referring to and / or modifying the present invention may be inferred. As will be appreciated, the present invention includes all such inferred methods of implementation, and the present invention is not limited thereto.

For example, in FIG. 31, only the financial product application information is provided from the customer terminal 175 to the information processing server 140. However, the present invention will be described by those skilled in the art to which the present invention pertains. In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

In the following Figure 31, the information processing server 140 shown in Figure 17 is referred to as " server " for convenience.

Referring to FIG. 31, when predetermined financial product application information is received from the customer terminal 175 shown in FIG. 17 through the process shown in FIG. 20 and / or 21, the server may receive the financial information. The product application information is read to determine whether a financial account corresponding to the financial product can be opened (3100).

If it is not possible to open a financial account corresponding to the financial product based on the financial product application information (3105), the server generates account opening error information corresponding to the financial product and transmits it to the customer terminal 175. By 3110, the financial account provisional new procedure based on the financial product application information is terminated.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (3105), the server is linked to the financial system 170, the predetermined financial account corresponding to the financial product application information To open the banking system on the financial system 170 as a new provision (3120), and generates a predetermined withdrawal prevention virtual account associated with the financial account opened as the new provision in connection with the financial system 170 ( 3125).

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). ) Or a terminal terminal-based financial transaction linked to the financial system 170 periodically or a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information. Financial transaction events generated from financial transaction systems including at least one system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Correspondingly) (3130).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) When it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (3135), the server connects the investment amount (or deposit amount) with the financial system 170 to prevent the withdrawal function. The funds are transferred to the provided virtual account (3140), whereby the investment amount (or deposit amount) is not withdrawn by any financial transaction until the real name of the customer applying for the financial product is confirmed.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system). The real name of the customer of the financial product application for the financial account processed as a new account in response to the financial product application information in connection with the financial product application information) Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home) In response to a customer real name verification event generated from a financial transaction system including at least one banking system or a TV banking system ) Check.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. You will be familiar with how to verify your real name for a given financial account through a financial transaction system that includes at least one system, a telebanking system, a home banking system, and a TV banking system. Omit

If the real name of the financial product application customer is not confirmed (3150), the server is connected to the financial system 170 to confirm the real name verification period for the financial account processed as a provision in response to the financial product application information; Check whether it has passed (3155).

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (3160), the server processes the provisional parent account (eg, as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (3160), the server is linked with the financial system 170 in response to the financial instrument application information. Convert the amount deposited in the financial account processed into the mother account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information); In response to the financial product application information, the financial account processed as a new provision is processed as a dormant account (3165).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (3150), the server is associated with the financial account processed as a provision in response to the financial product application information in connection with the financial system 170 The amount deposited in the anti-withdrawal virtual account is transferred to the parent account of the anti-withdrawal virtual account (for example, a financial account processed as a new provision in response to the financial product application information) (3170), and the server transfers the financial system ( In response to the financial product application information in connection with 170), the financial account processed as a new provision is processed as a normal new financial account (3175).

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the new establishment date (3180).

32 is a view showing a new provision process of a financial product according to another embodiment of the present invention.

More specifically, FIG. 32 opens a predetermined financial account on the basis of the financial product application information provided from the customer terminal 175 in the information processing server 140 shown in FIG. 17, and the pseudo-new financial account. This is a new provision processing process for managing the pseudonym financial account through the predetermined withdrawal prevention virtual account associated with the financial product application until the real name of the customer applying for the financial product, and the general knowledge in the field to which the present invention belongs. In the case of the person having the present invention, various implementation methods for the novelty processing of the financial product using the financial product application information provided to the information processing server 140 shown in FIG. 17 by referring to and / or modifying the drawing 32 are inferred. As will be appreciated, the present invention includes all such practice inferred, and the present invention is not limited thereto.

For example, in FIG. 32, only the financial product application information is provided from the customer terminal 175 to the information processing server 140. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

In the drawing 32, the information processing server 140 shown in the drawing 17 will be referred to as " server " for convenience.

Referring to FIG. 32, when predetermined financial product application information is received from the customer terminal 175 shown in FIG. 17 through the process shown in FIG. 20 and / or 21, the server receives the financial information. The product application information is read to determine whether a financial account corresponding to the financial product can be opened (3200).

If it is not possible to open a financial account corresponding to the financial product based on the financial product application information (3205), the server generates account opening error information corresponding to the financial product and transmits it to the customer terminal 175. By (3210), the financial account provisional new procedure based on the financial product application information ends.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (3205), the server is linked to the financial system 170, the predetermined financial account corresponding to the financial product application information Is opened on the financial system 170 by a trailing rule (3220), and a predetermined trail provided in the financial system 170 to a financial account opened with the trail in connection with the financial system 170; In operation 3225, the withdrawal prevention virtual account for the parent account for processing (for example, a bank account managed until the real name of the customer applying for the financial product, the financial account corresponding to the financial product application information) is processed.

Thereafter, the server connects with the financial system 170 to deposit a predetermined investment amount (or deposit amount) into a predetermined mother account (for example, a financial account processed as a new account corresponding to the financial product application information). ) Or a terminal terminal-based financial transaction linked to the financial system 170 periodically or a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information. Financial transaction events originating from financial transaction system including at least one system, financial terminal based financial transaction system including CD / ATM, internet banking system, wireless banking system, telebanking system, home banking system, TV banking system Correspondingly) (3230).

If a bank account is applied to the financial product application information from a predetermined parent account (e.g., a financial account for depositing a predetermined investment amount (or deposit amount) into a financial account processed as a bank account corresponding to the financial product application information) When it is confirmed that a predetermined investment amount (or deposit amount) is deposited into the processed financial account (3235), the server connects the investment amount (or deposit amount) with the financial system 170 to prevent the withdrawal function. The deposit is processed into a virtual account (eg, a financial account processed as a provisional provision in response to the financial product application information) (3240), whereby the investment amount (or deposit amount) is the real name of the customer applying for the financial product. It will not be withdrawn by any financial transaction until it is confirmed.

According to another exemplary embodiment of the present invention, the investment amount (or deposit amount) is deposited into a virtual account equipped with the withdrawal prevention function (for example, a financial account processed as a new account in response to the financial product application information). The process may be performed independently of the server, whereby the present invention is not limited.

Thereafter, the server is a window terminal-based financial transaction system associated with the financial system 170 (and / or the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless device). The real name of the customer applying for the financial product for the financial account processed as a bank account in response to the financial product application information in connection with the financial product application information in connection with a banking system, a telebanking system, a home banking system, and a TV banking system). Periodically (and / or through a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, Responding to customer name verification events generated from financial transaction systems including at least one home banking system and a TV banking system. ) Confirms.

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system associated with the financial system 170, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, and a wireless banking system. You will be familiar with how to verify your real name for a given financial account through a financial transaction system that includes at least one system, a telebanking system, a home banking system, and a TV banking system. do

If the real name of the financial product application customer is not confirmed (3250), the server is connected to the financial system 170, the real-name verification period for the financial account processed as a new provision in response to the financial product application information Check if it has passed (3255).

If the real name confirmation period for the financial account processed as a provisional provision in response to the financial instrument application information has not elapsed (3260), the server processes the provisional parent account (e.g., as a provisional provision in response to the financial instrument application information). Whether a predetermined investment amount (or deposit amount) is deposited from the financial account) to which the prescribed investment amount (or deposit amount) is deposited into the financial account processed in response to the financial product application information. In addition, the investment amount (or deposit amount) is maintained so as not to be withdrawn by any financial transaction until the real name of the customer applying for the financial product is maintained.

If the real name verification period for the financial account processed as a provisional provision in response to the financial instrument application information has elapsed (3260), the server is linked with the financial system 170 in response to the financial instrument application information. Convert the amount deposited in the financial account processed into the mother account (e.g., the financial account in which a predetermined investment amount (or deposit amount) is deposited into the financial account processed as a new provision in response to the financial product application information); In response to the financial product application information, the financial account processed as a new provision is processed as a dormant account (3265).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name confirmation period (3250), the server is connected to the financial system 170 is set in the financial account processed as a provision in response to the financial product application information The withdrawal prevention virtual account function is released (3270), and the server processes the new financial account processed as a new new financial account in response to the financial product application information in association with the financial system 170 (3275). .

In this case, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed as the new financial account in association with the financial system 170 as the temporary opening date (3280).

According to the present invention, by opening a financial account for financial transactions and / or sales of financial products in a new way, and confirming the customer real name for the financial account in a post-processing manner, the financial institution is like a portal server / search server There is an advantage that can be reprinted low-cost and high-efficiency marketing that can sell financial products to a predetermined customer through a frequently visited web server as a customer.

According to the present invention, the customer can access various financial product information for financial services through various channels such as a portal server / search server without accessing an internet banking server, and can conveniently deploy the financial technology through the financial products. There is this.

Claims (9)

A financial product provision new establishment means for receiving new financial product application information in association with a customer terminal connected through online, and opening the financial product as a provisional provision in the name of the customer; Information transmission means for transmitting real name confirmation guide information for converting a new financial product newly established to the communication means of the customer; Account management means for setting the account state to a withdrawal preventing state so that funds transferred to the account are not withdrawn when funds are transferred to an account corresponding to the newly opened financial product; And When a real name confirmation result of a customer who has opened the pseudo-news financial product is received from a financial institution window terminal or a financial company server, in connection with the account management means, the withdrawal prevention state set in the account is changed to a withdrawable state, Switch to new, If the real name confirmation result of the customer who opened the new financial product is not received from the financial institution counter terminal or the financial institution server within a certain period of time, or if a cancellation request is received from the customer, the funds transferred to the account are transferred to the mother account-the account. And a new financial instrument processing means for transferring the funds to the mother account, which has been transferred. Means for establishing the financial product provisions, Online financial products, characterized in that receiving new financial product application information in connection with the financial company server that sells or opens the financial product, or receives new financial product application information in connection with an Internet website including an Internet portal site. New treatment system. The account of claim 1, wherein the account corresponding to the financial instrument established as the provisional provision is: New on-line financial product processing system, characterized in that it comprises a virtual account. A financial product provision new establishment means for receiving new financial product application information in association with a customer terminal connected through online, and opening the financial product as a provisional provision in the name of the customer; Information transmission means for transmitting real name confirmation guide information for converting a new financial product newly established to the communication means of the customer; An account management means for transferring the funds transferred to the account to a virtual account set in a withdrawal protection state when funds are transferred to an account corresponding to the financial product opened as a new provision; And When the real name confirmation result of the customer who opened the new financial product is received from the financial company window terminal or the financial company server, the funds deposited in the virtual account are transferred to the account in connection with the account management means, and Switch to new, If the real name confirmation result of the customer who opened the new financial instrument is not received from the financial institution window terminal or the financial institution server within a certain period of time, or if a cancellation request is received from the customer, the funds transferred to the virtual account are transferred to the mother account-the account. Characterized in that it comprises a; new financial instrument processing means for processing transfers to the parent account-the funds transferred to Means for establishing the financial product provisions, Online financial products, characterized in that receiving new financial product application information in connection with the financial company server that sells or opens the financial product, or receives new financial product application information in connection with an Internet website including an Internet portal site. New treatment system. delete According to claim 1 or claim 3, wherein the financial instrument provisions new establishment means, And at least one or more financial product provisional application information, financial transaction application information, and internet banking subscription application information in association with the customer terminal. delete delete delete delete

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