KR100873346B1 - System and Method for Transferring Fund of Unopened Online Account and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for processing money transfer of an unopened online account and a recording medium therefor. The method for processing a money transfer of an unopened online account according to the present invention comprises: an account for the unopened online account at a predetermined terminal. When requesting a transfer, withdrawing the account transfer amount from the sender's financial account in a predetermined financial transaction processing means, depositing the money into a virtual account corresponding to the payee's unique information, and using the information storage means, the sender's financial account information. And storing the recipient specific information, the virtual account information corresponding to the recipient unique information, and the money transfer amount information in a predetermined storage medium, and from the predetermined information transmission means to the recipient communication means corresponding to the recipient unique information. Transmitting the predetermined account opening request information; Checking whether an online account corresponding to the payee unique information is opened; and if the payee online account is opened as a result of the verification, the checked online in connection with the storage medium (or storage medium operating means) in the financial transaction processing means; And withdrawing the account transfer amount from the virtual account identified in correspondence with the account and depositing it into the payee online account.

Open, online, account, funds, transfer

Description

System and Method for Transferring Fund of Unopened Online Account and Program Recording Medium}

1 is a diagram illustrating a system for establishing a financial account in a face-to-face manner according to an embodiment of the present invention.

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

3A and 3B illustrate a process of opening a financial account in a face-to-face manner according to one embodiment of the present invention.

4A and 4B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a view showing a non-face-to-face financial account opening system according to another embodiment of the present invention.

7 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a non-face-to-face manner according to an embodiment of the present invention.

8A and 8B illustrate a process of opening a financial account in a non-face-to-face manner according to one embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of opening a financial account according to one embodiment of the present invention.

FIG. 10 illustrates a face-to-face financial transaction system for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to an embodiment of the present invention.

11 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to a non-opened online account in a financial account according to an embodiment of the present invention. Drawing.

12 is a diagram illustrating a process of processing a financial transaction for transfer of funds from a financial account to an unopened online account through an unpaid virtual account in a face-to-face manner according to an embodiment of the present invention.

13 is a process for depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened online account through an unpaid virtual account according to an embodiment of the present invention and pre-transmitted to the unpaid virtual account to a payee online account. Figure is shown.

14 is a diagram illustrating a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to another embodiment of the present invention.

15 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transfer of funds from a financial account to an unopened online account through an unpaid virtual account according to an embodiment of the present invention. One drawing.

16 illustrates a financial transaction for transferring funds from a financial account to a predetermined unopened online account in a non-face-to-face manner for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to an embodiment of the present invention. A diagram illustrating a process of doing so.

17A and 17B illustrate a method for transferring funds from a financial account to an unopened online account in a non-face-to-face manner for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction.

18 illustrates a process of depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened online account through an unpaid virtual account according to an embodiment of the present invention and depositing the transfer amount prepaid to the unpaid virtual account into a payee online account. Figure is shown.

19 is a diagram illustrating an online account registration system for final transfer of a transfer amount prepaid to an unpaid virtual account into a new online account according to one embodiment of the present invention.

20 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

21 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

22 is a diagram illustrating the configuration of online ledger information according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

24 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

25 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

26 is a diagram illustrating a real name verification process for an online account according to an embodiment of the present invention.

FIG. 27 is a diagram illustrating an online account registration system for finally transferring a transfer amount prepaid to an unpaid virtual account to a new online account according to another embodiment of the present invention.

28 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

29 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

30 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

31 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

32 is a view showing an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

33 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

34 is a diagram illustrating a real name verification process for an online account according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: electronic document generation unit 135: electronic document sending unit

140: account opening unit 145: electronic document server

150: electronic document receiving unit 155: information generating unit

160: electronic document storage unit 165: electronic document D / B

170: terminal device

According to the present invention, when a predetermined terminal requests an account transfer for the unopened online account, a predetermined financial transaction processing means withdraws the account transfer amount from a sender's financial account and deposits it into a virtual account corresponding to the recipient's unique information. And storing the remitter financial account information, the payee unique information, the virtual account information corresponding to the payee unique information, and the money transfer amount information in a predetermined storage medium in a predetermined information storage means, and Transmitting predetermined account opening request information from the information transmitting means to the recipient communication means corresponding to the unique recipient information; confirming whether an online account corresponding to the unique recipient information is opened by the predetermined information checking means; As a result of the check, if the payee online account is opened, Withdrawing the account transfer amount from the virtual account identified in correspondence with the identified online account in association with the storage medium (or storage medium operating means) and depositing the money into the payee online account. It relates to a method for processing money transfer.

With the rapid development of information and communication technology, various non-face-to-face channels, such as communities or mini homepages, have been formed online, thereby transforming our living environment into a non-face-to-face living environment where many things are processed without facing them. For financial services to support such non-face-to-face living environments, financial services using non-face-to-face channels are becoming common.

However, in the money transfer service most frequently used among the financial services using the non-face-to-face channel, the remitter knows the recipient's financial account information or only after receiving the recipient's financial account information from the recipient. The service is provided, and before that, the money transfer service does not occur, and this also includes a problem of limiting autonomy and convenience of the non-face-to-face living environment.

In addition, the money transfer service as described above includes the inconvenience that the recipient should visit a financial institution's counter and open a financial account if the recipient does not have a financial account.

An object of the present invention for solving the above problems, when a predetermined terminal requests a bank transfer for the non-opened online account, withdraws the transfer amount from the banker's financial account, the virtual account corresponding to the payee unique information A financial transaction processing means for depositing money, information storage means for storing the remitter financial account information, the payee unique information, the virtual account information corresponding to the payee unique information, and the money transfer amount information and storing them in a predetermined storage medium; Funding of an unopened online account including information transmitting means for transmitting predetermined account opening request information to a recipient communication means corresponding to the payee unique information, and information checking means for checking whether an online account corresponding to the payee unique information is opened. It is to provide a transfer processing system.

In the method of processing money transfer of an unopened online account according to the present invention, when a predetermined terminal requests an account transfer for the unopened online account, a predetermined financial transaction processing means withdraws the money amount of the transfer from the financial account. Depositing money into a virtual account corresponding to the unique payee information, and linking the remitter financial account information, the payee unique information, the virtual account information corresponding to the payee unique information, and an account transfer amount information in a predetermined information storage means; Storing information on a predetermined storage medium; transmitting predetermined account opening request information from a predetermined information transmitting means to a recipient communication means corresponding to the unique information on the recipient; and Confirming that a corresponding online account has been opened and the verification result received; When the online account is established, the financial transaction processing means withdraws the account transfer amount from the identified virtual account in correspondence with the confirmed online account in association with the storage medium (or storage medium operation means) to the payee online account. Characterized in that comprises the step of depositing.

According to the present invention, the method of processing the transfer of funds in the non-opened online account, if the remittee online account is not opened after a certain period of time in the financial transaction processing means, the transfer amount is the financial account deposited in the virtual account Characterized in that further comprising the step of refunding.

On the other hand, the present invention includes a recording medium characterized by recording a program for executing the above-described method for transferring funds of an open account.

On the other hand, the funds transfer processing system of an unopened online account according to the present invention, when a predetermined terminal requests an account transfer for the unopened online account, withdraws the transfer amount from the sender's financial account, the recipient unique information Financial transaction processing means for depositing money into a virtual account corresponding to the information stored in a predetermined storage medium by linking the remitter's financial account information, payee unique information, virtual account information corresponding to the payee unique information, and account transfer amount information; Storage means, information transmitting means for transmitting predetermined account opening request information to a recipient communication means corresponding to the recipient unique information, and information checking means for confirming whether an online account corresponding to the recipient unique information is opened. It features.

The financial transaction processing unit may be further configured to transfer the account transfer amount from the virtual account confirmed in correspondence with the confirmed online account in association with the storage medium (or storage medium operating means) when the payee online account is opened. Withdrawal is characterized in that the deposit to the payee online account.

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

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

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

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 system for opening a financial account in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 1, when a financial account opening application form including at least one predetermined customer information and financial account property setting information is prepared and submitted to a window provided at a predetermined financial institution, the financial institution opens the financial account. A system configuration for opening the financial account based on an application form. Specifically, when the customer fills out the application for opening the financial account and submits it to the window, a predetermined window terminal provided at the window uses an image acquisition device. Obtains predetermined image contents corresponding to the financial account opening application, and obtains from the financial account opening application information corresponding to the financial account opening application and the financial account opening application through the predetermined financial product subscription interface. The provided image content, the After generating a predetermined electronic bank account application electronic document containing contents and storing the electronic document in a predetermined electronic document repository to secure the validity corresponding to the opening of the financial account, the customer information and financial information included in the financial account opening application information It relates to an implementation method for opening the financial account to the customer based on the account attribute setting information.

Those skilled in the art to which the present invention pertains will be able to infer various implementation methods for the construction of a financial account opening system by referring to and / or modifying the drawing 1, but the present invention implements all the inferred implementations. It includes a method, and is not limited to the embodiment method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a financial account by omitting and implementing a method of storing the financial account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 1. The system configuration may be inferred, and the DBMS in which the electronic document storage is located in the financial account opening system, in addition to the implementation method shown in FIG. 1, may be stored even when the electronic account opening application electronic document is stored in the electronic document storage. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the implementation method of generating the electronic account opening application electronic document, a financial account opening application electronic document corresponding to the financial account opening application is generated on the server side on the financial account opening system. Although the present invention is not limited to this, the present invention is not limited thereto, and the financial account opening application electronic document is obtained from a terminal that has obtained image content corresponding to the financial account opening application through a predetermined image obtaining apparatus. It may be generated (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the financial account opening application electronic document), thereby the present invention is not limited.

Hereinafter, the customer opens the financial account in response to the financial account opening application and the financial account opening application information prepared by the customer through a predetermined financial product subscription interface on the financial account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a corresponding predetermined financial account opening application electronic document and storing it in a predetermined electronic document repository is referred to as "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, the financial account opening system includes a terminal device 170 including a window terminal provided at at least one financial institution branch (or branch). The terminal device 170 is connected to a communication channel with a financial company server 100 provided on the financial account opening system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch), and the application for opening the predetermined financial account through a window (or a cashier) provided at the financial institution branch branch (branch branch). (E.g., a document with a form for filling out the at least one item of information), wherein the customer is required to seal the customer's seal for legal basis on the application for opening the financial account. desirable.

Subsequently, when the customer submits the completed financial account opening application to the teller, the teller scans the financial account opening application through a predetermined image obtaining device to obtain predetermined image content, and then opens a predetermined teller terminal. Input (or select) financial account opening application information including at least one image content obtained in response to the financial account opening application and at least one of customer information and financial account attribute setting information written in the financial account opening application; In response, the window terminal preferably transmits the image contents and the financial account opening application information to the financial company server 100 provided on the financial account opening system through the financial network.

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 100 connected to the window terminal is a server provided on the predetermined financial system (Eg, a ledger server, etc.), and the financial network connecting the teller terminal and the financial institution server 100 includes a branch network connecting the communication channel between the teller terminal and the financial institution server 100. It is preferable to make it.

In the financial account opening system as described above, the image acquisition device for acquiring the image content corresponding to the financial account opening application prepared by the customer, the window terminal used by the employee and the window terminal and the financial company server 100 The connecting financial network performs a function of a financial product subscription interface for the customer to register the financial account opening application information.

The financial company server 100 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 170 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network, the financial company server 100 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a general ledger server, and / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the financial company server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device 170 through the financial network. .

According to an exemplary embodiment of the present invention, when the terminal device 170 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, when the predetermined terminal device 170 connects a predetermined communication channel with the financial company server 100 through the interface unit 105, the financial institution server 100 may use the terminal device 170. Acquire an image content corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device, and input (or select) financial account opening application information corresponding to the financial account opening application; An interface for generating (or extracting) at least one user interface for transmitting to the server 100 and providing the generated (or extracted) user interface to the terminal device 170 in association with the interface unit 105. Financial account opening application information corresponding to the financial account opening application through the providing unit 110 and the user interface in the terminal device 170 An information receiving unit 115 which receives the financial account opening application information transmitted from the terminal device 170 in connection with the interface unit 105 and the terminal device 170 when the input (or selection) is transmitted. Acquires and transmits image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device based on the user interface, and corresponds to the financial account opening application in connection with the interface unit 105. Characterized in that it comprises an image receiving unit 120 for receiving the image content.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then connects the user interface to the financial institution server 100. Upon request, the mobile terminal acquires image contents corresponding to the application for opening a financial account prepared by the customer through a predetermined image acquisition device provided in the terminal device 170, and obtains application information for opening a financial account corresponding to the application for opening the financial account. Generate at least one user interface for input (or selection) to be transmitted to the financial institution server 100 via the financial network, and / or extract from a predetermined database (not shown), and with the interface unit 105 And providing the generated (or extracted) user interface to the terminal 170 through the financial network. .

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image contents corresponding to the financial account opening application written by the customer through a predetermined image acquisition device, and opens a financial account corresponding to the financial account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the financial account opening application prepared by the customer, inputting (or selecting) financial account opening application information corresponding to the financial account opening application, and transmitting the information to the financial company server 100. An interface that generates (or extracts) an interface and provides it to the terminal device 170. The tooth providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 170 inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. Account opening application information is transmitted to the financial institution server 100 through the financial network. In response thereto, the information receiving unit 115 is connected to the interface unit 105 to transmit the financial information transmitted from the terminal device 170. It is characterized by receiving the account opening application information.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

In addition, the terminal device 170 obtains the image content corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network. The image receiving unit 120 receives the image content corresponding to the financial account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 170 acquires image content corresponding to the application for opening a financial account created by the customer through a predetermined image acquisition device, and is provided in the terminal device 170. When the terminal device 170 is previously stored in a predetermined storage device (or associated), the terminal device 170 corresponds to an application for opening a financial account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. An image content is selected and transmitted to the financial institution server 100 through the financial network. In response thereto, the image receiving unit 120 connects the image content corresponding to the financial account opening application in connection with the interface unit 105. It is desirable to receive.

According to another exemplary embodiment of the present invention, the terminal device 170 displays image content corresponding to the financial account opening application written by the customer and the financial account opening application information corresponding to the financial account opening application through the user interface. When transmitting together, the information receiving unit 115 may receive the image content corresponding to the financial account opening application and the financial account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution opening request information transmitted from the terminal device 170 is received through the information receiving unit 115, the financial institution server 100 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for checking whether the validity is satisfied.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

Referring to FIG. 1, the financial company server 100 receives the image content transmitted from the terminal device 170 through the image receiving unit 120, and opens the financial account through the validity checking unit 125. When the validity of the application information is authenticated, the electronic document generation unit 130 for generating a predetermined financial account opening application electronic document including the received image content and the generated financial account opening application electronic document to the financial account It is characterized in that it comprises an electronic document transmission unit 135 for transmitting to the electronic document storage associated with the establishment system.

The electronic document generation unit 130 generates a financial account opening request electronic document including the image content received from the terminal device 170 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 requests to open the financial account as it is an image file including the image content received from the terminal device 170 through the image receiving unit 120. It is preferable to process it as an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to the image content including at least one of customer information and financial account property setting information in a watermarking manner.

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) containing the image content received from the terminal device 170 via the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is desirable to create an electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one of customer information and financial account property setting information by a watermarking method, and include a predetermined document file (eg, Portable Document Format (PDF)) containing the generated image content. File, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the electronic account opening request electronic document. It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 170 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the application information for opening a financial account; By generating a web document file, etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the electronic document generation unit 130 is included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. A predetermined document file including image information including at least one of customer information and financial account property setting information by a watermarking method and including the generated image content and the financial account opening application information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic application for the opening application.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 130, the technical features to generate a financial account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for financial account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 135 transmits and stores the electronic account opening request electronic document generated by the electronic document generating unit 130 to a predetermined electronic document storage associated with the financial account opening system. do.

As shown in FIG. 1, the electronic document repository is connected to a financial company server 100 on the financial account opening system with a predetermined electronic document server 145 and an electronic document D / B 165 linked through predetermined communication means. When provided to the outside, including the electronic document transmission unit 135 is the electronic document opening application electronic document generated by the electronic document generation unit 130 through the communication means the electronic document server 145 It characterized in that the transmission to.

Here, when the electronic document server 145 and the electronic document D / B 165 is provided outside the financial account opening system, the electronic document server 145 and the electronic document D / B 165 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 135 generates the electronic document generation unit 130. It is possible to store the electronic document opening application electronic document in the electronic document D / B 165 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, a financial account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 145. The customer information on which the application was opened, and / or financial institution information for transmitting the financial account opening application electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.). It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to FIG. 1, when the financial institution opening application information received through the information receiving unit 115 is authenticated through the validity confirming unit 125, the financial institution server 100 may verify the validity of the financial institution. And an account opening unit 140 for opening a financial account under a customer's name including the financial account property setting information based on the customer information and the financial account property setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 125, the account opening unit 140 is connected to the financial system property setting information included in the financial account opening application information in connection with the financial system. Generate account ledger information including corresponding financial account attributes, generate a customer ledger containing customer information (or identify a customer ledger that is matched with the customer information) and then associate with the customer ledger By storing the account ledger information in a predetermined account ledger, a financial account corresponding to the financial account opening application information is opened.

Referring to FIG. 1, an electronic document that receives a predetermined financial account opening request electronic document from the financial company server 100 provided on the financial account opening system and stores and manages the electronic document D / B 165 in a predetermined electronic document D / B 165. The server 145, the electronic document receiving unit 150 for receiving a predetermined financial account opening request electronic document from the financial institution server 100 through a predetermined communication means, and the received financial account opening request electronic document to the electronic document An information generation unit 155 for generating predetermined electronic document management information for storing and managing in the document D / B 165, and the electronic document management information and the financial account opening application electronic document are processed in a predetermined manner. And an electronic document storage unit 160 to store the document D / B 165.

The electronic document receiving unit 150 may receive an application for opening a financial account in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means may include the image content received by the financial company server 100 from the terminal device 170. It is preferable that the image file is included as it is.

Alternatively, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information and financial account attribute setting information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image content received by the financial company server 100 from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of the included customer information and financial account property setting information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 150 through the communication means is an image received by the financial company server 100 from the terminal device 170. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing contents and application information for opening a financial account; Or a web document file including the MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 150 through the communication means may be applied to the financial account opening request information on the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (for example, PDF (Portable Document Format)) including image content including at least one or more of the included customer information and the financial account property setting information by a watermarking method and the financial account opening application information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

The information generating unit 155 is a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 150, and through the electronic document receiving unit 150 And generating electronic document management information including electronic document storage date and time information including a date and time at which the financial account opening application electronic document was received (or a date and time at which the financial account opening application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 155 opens the financial account with reference to the financial company server 100 that has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 150. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 150 further receives a predetermined electronic document related information from the financial institution server 100, the information generating unit 155 is the received electronic Document-related information (e.g., customer information that has created a financial account opening application corresponding to the image content, and / or financial institution information transmitting the financial account opening application electronic document, and / or electronic document file format information, and / or It is preferable to generate the electronic document management information further comprising the financial account establishment application information).

The electronic document storage unit 160 processes an electronic document management application electronic document received through the electronic document receiving unit 150 and electronic document management information generated through the information generating unit 155 to process a predetermined electronic document. It is characterized in that the storage in the D / B (165).

According to the exemplary embodiment of the present invention, the financial institution opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 is the financial company server 100 by the terminal device 170. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may be applied to the image content received by the financial institution server 100 from the terminal device 170. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information and the financial account attribute setting information included in the financial account opening application information in a watermarking method.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the financial company server 100 using the terminal device ( A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including image content received from 170, or Web document file including MHT).

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. A predetermined document file (for example, a PDF (Portable Document Format) file) including image content including at least one or more of customer information included in the financial account opening application information and financial account attribute setting information in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may include the financial company server 100 using the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from 170 and the financial account opening request information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, an electronic document opening request electronic document stored in the electronic document D / B 165 by the electronic document storage unit 160 may correspond to the image content received by the financial institution server 100 from the terminal device 170. Image content including at least one or more of the customer information and the financial account property setting information included in the financial account opening application information by a watermarking method and a predetermined document file including the financial account opening application information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 165 by the electronic document storage unit 160 in connection with the financial account opening request electronic document is stored in the financial account. Preferably, the financial institution further includes information on a financial institution that transmits the financial account opening application electronic document, which has been identified with reference to the financial institution server 100 that transmitted the opening application electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 100, the electronic document storage unit 160 processes the connection with the financial account opening application electronic document. The electronic document management information stored in the electronic document D / B 165 may include the received electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or the financial account opening application). Financial institution information for transmitting the electronic document, and / or electronic document file format information, and / or the application for opening the financial account, etc.).

2 is a diagram illustrating a ledger configuration corresponding to a financial account opened in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 2 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 1 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 2 to infer various implementation methods for the ledger configuration corresponding to the financial account. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one 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, is provided in the DBMS on the financial system. In addition to the customer ledger and account ledger shown in Figure 2, the ledger D / B includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ...) and / or at least one additional ledger for maintaining and managing the ledgers. It will be appreciated that more information is included and that you will be familiar with the specific technical details, It is omitted for convenience.

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic reception information including at least one or more of a period, a number of days, an extension, an expiration date, and a target amount, and / or an account number corresponding to the account ledger, a deposit amount, a par value, an annuity. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

3A and 3B illustrate a process of opening a financial account in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. In detail, the window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial company server 100 and then corresponds to the financial account opening application. The execution method of inputting (or selecting) account opening application information to the financial institution server 100 is illustrated.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 3a and 3b. 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 FIGS. 3A and 3B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. The present invention is not limited by this.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 3a and 3b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial company server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information and the financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 3A and 3B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When a user interface corresponding to the financial account opening application is requested (300) in a state in which a predetermined communication channel is connected to the server through the connection through the server, in response to the request, the server uses a predetermined image acquisition apparatus in the terminal. Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the financial account opening application prepared by the customer to the server (305), and the generated (or extracted) user through the financial network The interface is transmitted to the terminal and output (310).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (315).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the financial network (325).

Thereafter, the server inputs (or selects) financial account opening application information including at least one of customer information and financial account property setting information corresponding to the financial account opening application that matches the image content, and transmits the information to the server. A user interface is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (335).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (340).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (345), the terminal inputs the input to the server through the financial network. (Or select) transmits the application information for opening a financial account (350).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account establishment request information including at least one of the customer information and the financial account property setting information through the financial network to confirm the validity of the financial account establishment request information (355). .

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial account opening application information is not authenticated (360), the server generates predetermined financial account opening error information and transmits it to the terminal (365), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is verified (360), the server generates a predetermined financial account opening application electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information in a watermarking manner.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document. It is desirable to.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document storage (380), the server generates predetermined account ledger information corresponding to the financial account opening application information (385), and in connection with the financial system After opening a financial account in the name of the customer including the account ledger information (390), a predetermined financial account opening detail information is generated (or extracted) and transmitted to the terminal (395).

4A and 4B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. Specifically, after inputting (or selecting) financial account opening application information corresponding to the financial account opening application at the window terminal and transmitting the information to the financial company server 100, the financial account opening is performed through a predetermined image acquisition device. A method of obtaining a predetermined image content corresponding to an application and transmitting the same to the financial institution server 100 is illustrated.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 4a and 4b. 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 FIGS. 4A and 4B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 4a and 4b, the teller terminal shown in Fig. 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Fig. 1 is referred to as "server" for convenience, and said teller terminal said The customer information and the financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the teller terminal shown in FIG. When the user interface is requested and the user interface corresponding to the financial account opening application is established (400), the server corresponds to the financial account opening application prepared by the customer. Generate (or extract) a user interface for inputting (or selecting) financial account opening application information including at least one of customer information and financial account property setting information (step 405) and transmitting it to the server (405), and through the financial network. The generated (or extracted) user interface is transmitted to the terminal and output (410).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (415).

If the financial account opening application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (420), the terminal inputs the input to the server through the financial network. (Or select) transmits the application information for opening the open financial account (425).

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account opening application information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account opening application information (430). .

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial account opening application information is not authenticated (435), the server generates predetermined financial account opening error information and transmits it to the terminal (440), the financial corresponding to the financial account opening application information Do not open an account.

On the other hand, if the validity of the financial account opening application information is authenticated (435), the server acquires predetermined image contents corresponding to the financial account opening application written by the customer through the predetermined image obtaining apparatus in the terminal and the server is obtained. A user interface for transmitting to the terminal is generated (or extracted) (445), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the financial account opening application through a predetermined image obtaining apparatus based on the user interface (455).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the financial network (465).

The server receiving the financial account opening request information and the image content from the terminal generates a predetermined financial account opening request electronic document including the image content (470).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information in a watermarking manner.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to generate the financial account opening electronic document. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document. It is desirable to.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document repository (480), the server generates predetermined account ledger information corresponding to the financial account opening application information (485), and in connection with the financial system After opening the financial account of the customer name including the account ledger information (490), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (495).

5A and 5B illustrate a process of opening a financial account in a face-to-face manner according to another exemplary embodiment of the present invention.

5a and 5b show a terminal terminal in which a terminal device 170 on the financial account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function in the financial system linked to the counter terminal through the financial network, a predetermined customer includes at least one of customer information and financial account attribute setting information in order to open a financial account. When a financial account opening application is made and submitted, a predetermined window terminal acquires predetermined image contents corresponding to the financial account opening application through a predetermined image acquisition device, and opens a financial account opening system through a predetermined financial product subscription interface. Obtained from the financial account opening application information corresponding to the financial account opening application and the financial account opening application; When the image content is provided, an electronic document for generating a predetermined financial account opening application document containing the image content is generated and stored in a predetermined electronic document repository, and a financial account corresponding to the financial account opening application form is opened. Specifically, the predetermined information acquisition apparatus corresponding to the application for opening the financial account is obtained through a predetermined image acquisition device at the window terminal, and the financial account opening application information corresponding to the financial account opening application is input (or selected). Illustrates an implementation method of transmitting to the financial institution server 100.

Those skilled in the art to which the present invention pertains, various implementations to register the financial account opening application information to the financial company server 100 at the window terminal by referring to and / or modified in the drawings 5a and 5b. 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 FIGS. 5A and 5B.

For example, although the method shown in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening a financial account and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method illustrated in FIGS. 3A and 3B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the application for opening a financial account through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) financial account opening application information corresponding to the financial account opening application is illustrated as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

Hereinafter, the window terminal shown in FIG. 1 in FIGS. 5A and 5B will be referred to as a "terminal" for convenience, and the financial company server 100 shown in FIG. 1 will be referred to as a "server" for convenience. The customer information and the financial account attribute setting information transmitted to the financial institution server 100 are referred to as "financial account opening application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer prepares and submits an application for opening a financial account including at least one of customer information and financial account property setting information, the window terminal shown in FIG. When the user interface is requested and the user interface corresponding to the financial account opening application (500) is connected to the server through a predetermined communication channel (500), the server corresponding to the financial account opening application written by the customer in the terminal Input (or select) financial account opening application information corresponding to the user, and generate a user interface for acquiring predetermined image contents corresponding to the financial account opening application through a predetermined image obtaining device and transmitting the same to the server (or Extract 505 the user interface generated (or extracted) through the financial network. And outputs it to the transmission (510).

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface (515).

If the financial account establishment application information including at least one of the customer information and the financial account property setting information is input (or selected) through the user interface (520), the terminal acquires a predetermined image based on the user interface. An image content corresponding to the financial account opening application is obtained through the device (525).

If image content corresponding to the financial account opening application is obtained through the image acquisition device (530), the terminal transmits the financial account opening application information and the image content to the server through the financial network (535). .

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account establishment request information including at least one of the customer information and the financial account property setting information through the financial network to check the validity of the financial account establishment request information (540). .

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 125 may include, among the information included in the financial account opening application information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial account opening application information is not authenticated (545), the server generates predetermined financial account opening error information and transmits it to the terminal (550), and the new corresponding to the financial account opening application information. Do not perform financial account opening procedures.

On the other hand, if the validity of the financial account opening application information is authenticated (545), the server generates a predetermined financial account opening application electronic document including the image content (555).

According to an exemplary embodiment of the present invention, the server may process the image file including the image content received from the terminal device 170 through the image receiving unit 120 as the financial account opening request electronic document as it is. desirable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Preferably, the financial account opening application electronic document is generated from an image file corresponding to image content including at least one or more pieces of setting information in a watermarking manner.

According to another exemplary embodiment of the present disclosure, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 170 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to generate the electronic account opening request electronic document. It is preferable.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generate image content including at least one or more pieces of information in a watermarking manner, and include a predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic) file including the generated image content). Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 170 through the image receiving unit 120 and the financial account opening request information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate the financial account opening application electronic document.

Alternatively, the server may include customer information and financial account attributes included in the financial account opening application information received through the information receiving unit 115 in the image content received from the terminal device 170 through the image receiving unit 120. Generates image content including at least one or more pieces of setting information by a watermarking method, and includes a predetermined document file (eg, PDF (Portable Document Format) including the generated image content and the financial account opening application information. File), or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), to generate the financial account opening request electronic document. It is desirable to.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (560).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 145 and an electronic document D / B 165 linked to a server on the financial account opening system through predetermined communication means. When provided with, it is preferable that the server transmits the generated financial account opening application electronic document to the electronic document server 145 through the communication means and stores the electronic document D / B 165.

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 165, whereby the present invention is not limited.

According to the method of the present invention, storing the financial account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated financial account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (165).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

The electronic document management information may include predetermined electronic document related information (for example, customer information for preparing a financial account opening application corresponding to the image content, and / or financial institution information for transmitting the financial account opening application electronic document, and And / or electronic document file format information, and / or financial account opening application information).

If the electronic document opening application electronic document is stored in the electronic document repository (565), the server generates predetermined account ledger information corresponding to the financial account opening application information (570), and in connection with the financial system After opening a financial account of the customer's name including the account ledger information (575), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (580).

6 is a view showing a non-face-to-face financial account opening system according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when a predetermined customer provides financial institution opening application information including at least one of predetermined customer information and financial account property setting information through a predetermined financial product subscription interface to the financial institution, An institution is configured to open the financial account based on the financial account opening application information, specifically, when the customer provides the financial account opening application information to the financial account opening system, the financial account opening system to the After generating a predetermined financial account opening application electronic document containing the financial account opening application information and storing it in a predetermined electronic document storage, the validity corresponding to the opening of the financial account is secured, and the information contained in the financial account opening application information Based on customer information and financial account property setting information The customer will be conducted on how to establish the financial account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for the construction of a financial account opening system. It includes a method, and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open a financial account by omitting and implementing a method of storing the electronic account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 6. The system configuration may be inferred, and the electronic document repository is located in the financial account opening system in addition to the implementation method shown in FIG. It will be possible to infer the implementation method provided in the DBMS, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 6, the financial account opening application electronic document is illustrated as being generated on the server side on the financial account opening system, but the present invention is not limited thereto. The financial account opening request electronic document may be generated at the terminal side that inputs (or selects) the financial account opening application information (for example, the electronic document generation function provided at the server side is provided at the terminal side to provide the financial information). Create an account opening request electronic document), by which the present invention is not limited.

Hereinafter, the financial account opening application information is provided from the customer through a predetermined financial product subscription interface on the financial account opening system shown in FIG. 6 so that the customer opens the financial account, and the predetermined financial corresponding thereto. Components corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository are referred to as " financial company server 600 "

Referring to FIG. 6 according to an embodiment of the present invention, the financial account opening system includes a terminal device 170 including at least one client terminal including at least one wired terminal and / or a wireless terminal used by a customer. The terminal device 170 is connected to the financial company server 600 provided on the financial account opening system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer connects to the financial institution server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial account opening application information is input (or selected) through at least one user interface provided by the financial institution server 600, the financial institution server provided on the financial account opening system through a predetermined network means at the client terminal. It is preferable to transmit to 600.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 170 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include at least one.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 170 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16. A generic term for all terminal devices 170 connected to an x-based portable Internet and / or all terminal devices 170 connected to an IEEE 802.11x-based wireless LAN, and connected to the CDMA-based (and / or HSDPA-based) mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 600 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 600, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 600, etc.) is provided.

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

In the financial account opening system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wired communication network connecting the client terminal and the financial company server 600. And / or the wireless communication network performs a function of a financial product subscription interface for the customer to register the financial account opening application information.

According to another exemplary embodiment of the present invention, the terminal device 170, in addition to the client terminal, an automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the financial account opening system as described above, when the terminal device 170 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network connecting 600 performs a function of a financial product subscription interface for the customer to register the financial account opening application information, and / or when the terminal device 170 is the call terminal (not shown). And a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 600 to subscribe a financial product for the customer to register the financial account opening application information. And / or a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the terminal apparatus 170, and / or the terminal apparatus 170 and / or A server (not shown) and the network connecting the terminal (and / or server) (not shown) and the financial institution server 600 function as a financial product subscription interface for the customer to register the financial account opening application information. Perform

The financial company server 600 provided on the financial account opening system according to the present invention is a generic term for the components of the financial account opening system side connected to the terminal device 170 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 170 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 600 may be configured as described above. Any server (or a program provided on the Internet banking server) provided on the Internet banking system, and / or any server (or accessible to the external system of the financial system through the Internet banking system). Device), a program included in the server (or device), and / or a server (or externally located on the financial system accessible through the internet banking server (and / or the server (or device)). Device) and / or a program provided to the outside world on the financial system, whereby the present invention is limited. It does.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 600 is connected to the wireless banking system. Or a predetermined server (or device) accessible to an external system of the financial system through the wireless banking system, and / or a program provided in the wireless banking server, and / or a program provided in the wireless banking server. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)), or And / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial company server 600 is connected to the telebanking system. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided to the computer, and / or a program included in the telebanking server, and / or to the external system of the financial system through the telebanking system. Any server (or device) that is accessible, a program included in the server (or device), and / or an object on the financial system accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the alien and / or a program provided in the external world on the financial system, whereby the present invention is not limited All.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 600 is the TV banking. Any server (or device) provided with a TV banking server provided on the system, and / or a program provided with the TV banking server, and / or accessible to the outside world of the financial system through the TV banking system. A server (or device) external to the financial system, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to the exemplary embodiment of the present invention, the financial institution server 600 may include an interface unit 605 for connecting and managing a predetermined communication channel with the terminal device 170 through the network connection. .

According to an exemplary embodiment of the present invention, when the terminal device 170 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 may be used. At least one or more information (or data) by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in a wired network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial institution server 600, the interface unit 605 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, when a predetermined terminal device 170 connects a predetermined communication channel with the financial company server 600 through the interface unit 605, the financial device server 600 includes the terminal device 170. Generate (or extract) at least one user interface for inputting (or selecting) predetermined financial account application information to be transmitted to the financial institution server 600, and generating the at least one user interface in connection with the interface unit 605. (Or extracted) the interface providing unit 610 for providing the extracted user interface to the terminal device 170 and the terminal device 170 inputting (or selecting) the financial account opening application information through the user interface; If so, the information receiving unit 615 for receiving the financial account opening request information transmitted from the terminal device 170 in association with the interface unit 605 is provided. It is characterized by.

The interface providing unit 610 connects the user interface to the financial company server 600 after the terminal device 170 connects a predetermined communication channel with the financial company server 600 through the interface unit 605. Generate, at least one or more user interfaces for inputting (or selecting) predetermined financial account opening request information from the terminal device 170 to the financial institution server 600 through the network means, and / or Or extracting from a predetermined database (not shown) and providing the generated user interface (or extracted) to the terminal device 170 via the network means in association with the interface unit 605.

According to an embodiment of the present invention, when the terminal device 170 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 610 is Generate (or extract) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and convert the generated (or extracted) user interface to the client terminal through the interface unit 605. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 is provided as a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the generated (or extracted) user interface (eg, ARS-based user interface) through the interface unit 605 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 170 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined financial account opening application information to the terminal device 170 and transmitting it to the financial institution server 600 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined financial account opening application information and transmitting the predetermined information to the financial institution server 600 as described above. The interface providing unit 610 provided to the device 170 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 170 inputs (or selects) financial account opening application information including at least one of the customer information and financial account property setting information through the user interface, and inputs (or selects) the financial information. Account opening application information is transmitted to the financial institution server 600 through the network means, and correspondingly, the information receiving unit 615 is connected to the interface unit 605 and the financial unit transmitted from the terminal device 170. It is characterized by receiving the account opening application information.

According to the exemplary embodiment of the present invention, the terminal device 170 may include the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the financial institution server ( 600).

According to the exemplary embodiment of the present invention, the terminal device 170 may include at least one encryption method (eg, a symmetric key based encryption method) for the application information for opening a financial account including at least one of the customer information and the financial account property setting information. And / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the application for opening a financial account. Preferably, the terminal apparatus 170 has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key is transmitted to the financial institution server 600 through a network means. Have a predetermined public certificate included therein, and / or have the public certificate installed on a given IC chip (or IC card) Preferably, the IC chip card reader to make sure the certificate provided in (or IC card) is provided when the.

According to an exemplary embodiment of the present invention, the terminal device 170 may include at least one encryption method (for example, a symmetric key based encryption method) for applying for financial account establishment request information including at least one of the customer information and financial account property setting information. And / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and the like, and transmit the encrypted data to the financial institution server 600 through the network means. To this end, the terminal device 170 has at least one encryption key corresponding to the encryption method, and / or has a predetermined certificate including at least one encryption key, and / or the certificate is When provided in a predetermined IC chip (or IC card), for checking the official certificate provided in the IC chip (or IC card) Laundry is preferably provided with a further.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Referring to FIG. 6, when the financial institution opening request information transmitted from the terminal device 170 is received through the information receiving unit 615, the financial institution server 600 receives the financial account opening request information. Characterized in that it comprises a validity authentication unit for checking whether the validity is satisfied.

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity authentication unit converts the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme, and / or a public key) corresponding to the encryption scheme. Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received application information for opening a financial account.

Alternatively, when a predetermined electronic signature is attached to the financial account opening application information, the validity authentication unit verifies the validity of the received financial account opening application information by checking the electronic signature attached to the financial account opening application information. It is desirable to.

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

When the financial account opening application information received through the information receiving unit 615 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the financial account opening application information, the validity authentication unit It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information and a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the financial account opening application information, the validity authentication unit may include the financial authentication unit. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the account opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the financial account opening application information, the validity authentication unit opens the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

Referring to FIG. 6, when the validity of the financial account opening application information is authenticated through the validity verification unit 625, the financial institution server 600 includes a predetermined financial account including the received financial account opening application information. An electronic document generating unit 630 for generating an opening application electronic document, and an electronic document transmitting unit 635 for transmitting the generated financial account opening application electronic document to an electronic document repository associated with the financial account opening system; Characterized in that made.

The electronic document generating unit 630 may generate a financial account opening application electronic document including the financial account opening application information received from the terminal device 170 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A word processor file that generates document content and includes at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the document content, or Web document file including MHT) is preferably processed as the financial account opening application electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, A document file including document content including the watermarking after including at least one of customer information included in the financial account opening application information and financial account attribute setting information in a watermarking method in a document content; For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is preferable to process it as an electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, It is preferable to process an image file including image content captured by document content (for example, image content generated by capturing the document content on a memory) as the financial account opening request electronic document.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). After the watermarking method is included, it is preferable to process the image file including the image content including the watermarking as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account property setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined document file (eg, Portable Document Format (PDF)) including an image content (eg, image content generated by capturing the document content on a memory) by generating document content, and capturing the document content. File, an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), to process the financial account opening application electronic document. It is preferable.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. / DOC, word processing file containing at least one, or web document file containing MHT, etc.) As it is desirable to apply processing to the banking account opening electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 630 includes at least one customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615. A predetermined document file including an image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening request information; For example, by generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), It is advisable to process the account opening application electronic documents.

Alternatively, the electronic document generator 630 generates document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received through the information receiving unit 615, At least one of customer information included in the financial account opening application information and financial account property setting information is included in image content captured by document content (eg, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI (Electronic) file containing the watermarking image content and the financial account opening application information) Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT. By creating such a web document file), it is preferable to apply processing to the banking account opening electronic documents.

In the technical field to which the present invention pertains, the electronic document generating unit 630 generates a financial account opening application electronic document in an image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for financial account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 635 transmits and stores the financial account opening request electronic document generated by the electronic document generating unit 630 to a predetermined previous advisory document repository associated with the financial account opening system. It is done.

As shown in FIG. 6, the electronic document repository is connected to a financial company server 600 on the financial account opening system with a predetermined electronic document server 645 and an electronic document D / B 665 through predetermined communication means. When provided externally, the electronic document transmission unit 635 is the electronic document opening application electronic document generated by the electronic document generation unit 630 through the communication means through the electronic document server 645 It characterized in that the transmission to.

Here, when the electronic document server 645 and the electronic document D / B 665 is provided outside the financial account opening system, the electronic document server 645 and the electronic document D / B 665 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the financial account opening system, the electronic document transmission unit 635 generates the electronic document generation unit 630. It is possible to store the electronic document opening application electronic document in the electronic document D / B 665 corresponding to the electronic document storage on the DBMS provided in the financial account opening system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 635 inputs electronic document related information (eg, the financial account opening application information) for generating predetermined electronic document management information in the electronic document server 645. (Optional) customer information transmitted, and / or financial institution information for transmitting the financial account opening request electronic document, and / or electronic document file format information, and / or the financial account opening request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 6, when the financial account opening application information received through the information receiving unit 615 is verified through the validity checking unit 625, the financial institution server 600 may verify the validity of the financial institution. And an account opening unit 640 for opening a financial account in a client's name including the financial account attribute setting information based on the customer information and the financial account attribute setting information included in the account opening application information. .

When the validity of the financial account opening application information is confirmed by the validity confirming unit 625, the account opening unit 640 is linked to the financial account property setting information included in the financial account opening application information in connection with the financial system. Generate account ledger information including corresponding financial account attributes, generate a customer ledger containing customer information (or identify a customer ledger that is matched with the customer information) and then associate with the customer ledger By storing the account ledger information in a predetermined account ledger, a financial account corresponding to the financial account opening application information is opened.

Referring to FIG. 6, an electronic document which receives a predetermined financial account opening request electronic document from the financial company server 600 provided on the financial account opening system and stores and manages it in a predetermined electronic document D / B 665. The server 645, the electronic document receiving unit 650 for receiving a predetermined financial account opening request electronic document from the financial institution server 600 through a predetermined communication means, and the electronic document receiving application electronic document An information generation unit 655 for generating predetermined electronic document management information for storing and managing in the document D / B 665, and the electronic document management information and the financial account opening application electronic document in a predetermined manner. And an electronic document storage unit 660 for storing in the document D / B 665.

The electronic document receiving unit 650 may receive an electronic document opening request electronic document in the form of an image file and / or a document file from the financial institution server 600 through the communication means.

According to an embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is opened by the financial company server 600 from the terminal device 170. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing document content including at least one of customer information and financial account attribute setting information included in the application information. And a word processor file including at least one or the like, or a web document file including the MHT.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 170. And at least one of customer information and financial account property setting information included in the financial account opening application information in a watermarking method in document content including at least one financial account property setting information. Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.).

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 170. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. Do.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 170. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. And including at least one or more information of the financial account property setting information by a watermarking method, and then including an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is a financial account received by the financial company server 600 from the terminal device 170. Predetermined image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and financial account property setting information included in the application for opening information. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 170. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. A document file (eg, a Portable Document Format (PDF) file) that generates image content including at least one or more of the financial account property setting information and a watermarking method, and includes the image content including the watermarking. , Or a word processor including at least one EDI (Electronic Data Interchange) file, or HWP / DOC File, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the financial account opening request electronic document received by the electronic document receiving unit 650 through the communication means is received by the financial company server 600 from the terminal 170. Image content (eg, image content generated by capturing the document content on a memory) and the financial document information including document information including at least one of customer information and financial account property setting information included in the account opening application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) containing the account opening request information, or the MHT. Web document files, etc.) to be included.

Alternatively, the financial document opening request electronic document received by the electronic document receiving unit 650 through the communication means may include customer information included in the financial account opening request information received by the financial company server 600 from the terminal device 170. Customer information included in the financial account opening application information in the image content (eg, the image content generated by capturing the document content on a memory) which captures document content including at least one or more financial account property setting information. And document content including at least one or more information of the financial account property setting information by a watermarking method, the document file including the watermarking image content and the financial account opening application information (eg, At least a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC file. A document file or Web, and so on) that include the word-processor file, or MHT comprising at least preferably comprises.

The information generating unit 655 uses a predetermined electronic document unique number (or unique information) to be assigned to the financial account opening request electronic document received through the electronic document receiving unit 650, and the electronic document receiving unit 650. And generating electronic document management information including electronic document storage date and time information including a date and time (or a date and time at which the financial account opening application electronic document was stored) when the financial account opening application electronic document was received. do.

According to an exemplary embodiment of the present invention, the information generating unit 655 opens the financial account with reference to the financial company server 600 which has transmitted the electronic account opening request electronic document received through the electronic document receiving unit 650. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 600 through the electronic document receiving unit 650, the information generating unit 655 may receive the received electronic document. Document-related information (e.g., customer information transmitted by inputting (selecting) the financial account opening application information) and / or financial institution information transmitting the financial account opening application electronic document, and / or electronic document file format information, and And / or the electronic document management information further including the financial account opening application information).

The electronic document storage unit 660 associates a financial account opening request electronic document received through the electronic document receiving unit 650 with electronic document management information generated through the information generating unit 655 to process a predetermined electronic document. The document D / B 665 may be stored.

According to the exemplary embodiment of the present invention, the financial institution opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 170. A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing document content including at least one of customer information and financial account attribute setting information included in the financial account opening application information received from the information. File, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the financial document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 600 from the terminal device 170. Watermarking method of at least one of the customer information and the financial account property setting information included in the financial account opening application information in the document content including at least one or more customer information and financial account property setting information included in the information A word including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including the watermark Processor file, or a web document file including MHT).

Alternatively, the financial document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 600 from the terminal device 170. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and financial account property setting information included in the information; It is preferable to comprise.

Alternatively, the financial document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 600 from the terminal device 170. Apply to open the financial account in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and financial account property setting information included in the information. After including at least one or more information of the customer information and the financial account attribute setting information included in the information in a watermarking (Watermarking) method, and preferably comprises an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, a financial account opening request electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 is the financial institution server 600 of the terminal device 170. Image content (e.g., an image generated by capturing the document content on a memory), the document content including at least one of customer information and financial account property setting information included in the financial account opening application information received from A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or a web including MHT. Document files).

Alternatively, the financial document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 600 from the terminal device 170. Apply to open the financial account in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and financial account property setting information included in the information. Create a document content including at least one or more information of the customer information and the financial account property setting information included in the information by a watermarking method, and a document file (eg, PDF) containing the image content including the watermarking (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or a word processor including at least one or more such as HWP / DOC It is preferred which comprises a web page file, and so on) containing the file, or MHT.

According to another exemplary embodiment of the present invention, a financial account opening application electronic document stored in the electronic document D / B 665 by the electronic document storage unit 660 may include the financial company server 600 in the terminal device ( Image content captured by document content including at least one or more customer information and financial account property setting information included in the financial account opening application information received from 170 (eg, the document content is generated by capturing the document content on a memory). A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including image content) and the application information for opening a financial account; File, or a web document file including MHT).

Alternatively, the financial document opening request stored in the electronic document D / B 665 by the electronic document storage unit 660 may be a financial account opening request received by the financial company server 600 from the terminal device 170. Apply to open the financial account in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and financial account property setting information included in the information. Generating image content including at least one of customer information and financial account property setting information included in the information by a watermarking method, and generating the image content including the watermarking and the application information for opening the financial account. Write down the document file (for example, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) to include It comprises a web page file, and so on) that include the word-processor file, or MHT containing one or more are preferred.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 665 by processing the electronic document storage unit 660 in association with the electronic account opening request electronic document, the financial account opening Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 665 by the electronic document storage unit 660 in association with the financial account opening request electronic document is stored in the financial account. It is preferable that the financial institution server 600 that has transmitted the opening application electronic document further includes the financial institution information that has transmitted the financial account opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 600, the electronic document storage unit 660 processes the electronic document opening request electronic document in association with the financial document. The electronic document management information stored in the electronic document D / B 665 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the financial account opening application information) and / or the financial account. Financial institution information for transmitting the opening application electronic document, and / or electronic document file format information, and / or the financial account opening application information, etc.).

7 illustrates a ledger configuration corresponding to a financial account opened in a non-face-to-face manner in accordance with an embodiment of the present invention.

In more detail, FIG. 7 includes an account ledger corresponding to the financial account opened through the financial account opening system shown in FIG. 6 in a ledger D / B provided in the DBMS on the financial system shown in FIG. As an embodiment of the present invention, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to infer various implementation methods for the ledger configuration corresponding to the financial account. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7 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 includes a predetermined customer ledger and at least one 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, is provided in the DBMS on the financial system. The ledger D / B includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that additional information is included, and you will be familiar with the specific technical details, Is omitted for convenience.

The customer ledger includes customer information included in the application information for opening a financial account, and includes a CIF (Customer Information File) number, a country code, a contact ID, a store number, a customer classification, a customer name, a customer address, and a regional classification code. , Phone number, business number, business name, classification code, expiration date, status head office information, settlement date, cash available date, surname, person, resident registration number, company address, company phone number, mailing place, 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.

The ledger is a ledger corresponding to the financial account opened in response to the application for opening the financial account, which is linked in relation to the customer ledger, 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, current interest, time extension, time extension, ARS, final deposit date, final withdrawal date, final deposit, final withdrawal amount It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic receipt information including at least one, period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, par value, pension date corresponding to the ledger. And trust receipt information including at least one number of shares, and / or an account number, a transaction number, a date, a store number, a product type, a transaction type, a cash amount, a spot ticket, and a batch number corresponding to the account ledger. It includes transaction history information including at least one of, complex transaction, date of settlement, bank account line, summary, CIF 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

8A and 8B illustrate a process of opening a financial account in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a web in which the terminal device 170 on the financial account opening system shown in FIG. 6 is a client terminal, and the financial institution server 600 can access the client terminal through a predetermined network means. In the case of having a server function, if a predetermined customer provides financial account establishment application information including at least one of customer information and financial account attribute setting information through the client terminal in order to open a financial account, the financial account is provided. An embodiment of the present invention relates to a method of creating a predetermined financial account opening application electronic document including the provided financial account opening application information in an opening system, storing it in a predetermined electronic document storage, and opening the financial account. Those skilled in the art may refer to and / or modify the drawings 8a and 8b. In order to infer various implementation methods for registering the financial account establishment application information from the client terminal to the financial institution server 600, the present invention includes all the inferred implementation methods, this figure 8a and 8b It is not limited to the implementation method shown by.

For example, although the embodiment shown in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the financial account opening application information and storing the electronic document in an electronic document storage, the above-described process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

8A and 8B provide a user interface through which the client terminal inputs (or selects) the financial account opening application information through a predetermined web page provided by the financial institution server 600. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 600, and the present invention is not limited thereto.

Hereinafter, in FIGS. 8A and 8B, the client terminal illustrated in FIG. 6 is referred to as a “terminal” for convenience, and the financial institution server 600 illustrated in FIG. 6 is referred to as a “server” for convenience. The customer information and the financial account attribute setting information transmitted to the financial institution server 600 are referred to as "bank account opening application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (and / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the user When requesting a web page including an interface (800), the server correspondingly inputs (or selects) a financial account opening application information including at least one of the customer information and the financial account property setting information and transmits it to the server. Generating (or extracting) a web page comprising a user interface for performing (805) and generating (or extracting) the user via the network means The web page including the interface is transmitted to the terminal and output (810).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the financial account opening application information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one or more customer information and financial account attribute setting information through a user interface included in the web page (815).

If the terminal receives (or selects) financial account opening application information including the customer information and financial account property setting information through the user interface (820), the terminal inputs (or selects) the communication channel. In step 825, the client information and the financial account attribute setting information are transmitted to the server.

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account through the network means. It is preferable to transmit to the server, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or when the authorized certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the customer information and the financial account property setting information through the communication channel and checks the validity of the financial account opening application information (830).

According to an embodiment of the present invention, the financial account establishment application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange based encryption scheme, the server may convert the encrypted financial account opening request information into at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

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

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating a password included in the financial account opening application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial account opening application information is not authenticated (835), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (840), and the financial account opening procedure Do not do it.

On the other hand, when the validity of the financial account opening application information is authenticated (835), the server generates predetermined document content including at least one or more customer information including the financial account opening application information and financial account property setting information. In operation 845, a predetermined financial account opening application electronic document including the document content is generated in operation 850.

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information and financial account attribute setting information included in the received financial account opening application information, the document comprising the document content The financial account includes a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is preferable to process it as an electronic application.

Alternatively, the server generates document content including at least one of customer information and financial account property setting information included in the received financial account opening application information, and the customer included in the financial account opening application information in the document content. After at least one of the information and the financial account attribute setting information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be processed as the electronic account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, It is preferable to process an image file including the document content generated by capturing the document content on a memory as the financial account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening request information and financial account property setting information by a watermarking method, and then the watermarking method. It is preferable to process the image file containing the included image content as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). It is preferable to generate a word processor file including at least one of / DOC or the like, or a web document file including the MHT, etc.) to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. A word file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content including the watermarking; Or the web document file including the MHT), and the electronic account opening application It is desirable to treat each other.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content. (Capture) a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a portable document format) file including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening application information); Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. And at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking and the application for opening the financial account. By generating a word processor file including the above, or a web document file including the MHT, It is preferable to process the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

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

If the electronic document opening application electronic document is stored in the electronic document storage (860), the server generates predetermined account ledger information corresponding to the financial account opening application information (865), in connection with the financial system After opening a financial account of the customer name including the account ledger information (875), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (880).

9A, 9B, and 9C illustrate a process of opening a financial account according to one embodiment of the present invention.

In more detail, FIGS. 9A, 9B, and 9C illustrate a case in which the financial account opening system shown in FIG. 6 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the financial account opening shown in FIG. 6). In the case where the financial institution server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, when the client terminal transmits predetermined financial account opening application information to the internet banking server to open the financial account, the predetermined opening of the financial account including the received financial account opening application information is received from the internet banking server. The application method is to create an electronic document, store it in a predetermined electronic document repository, and open the financial account. For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawings 9a, 9b, and 9c, and apply for opening the financial account through other types of non-face-to-face financial transaction channels. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 9a, 9b and 9c.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering a financial account establishment application information between the client terminal and the internet banking server based on the browser program is illustrated, the present invention has a general knowledge in the art. Growing up, the client based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9A, 9B, and 9C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of linking an internet banking-based financial transaction channel for registering a financial account opening application information between the burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer a method of implementing a non-face-to-face channel-based financial transaction channel for registering a financial account opening application information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

In addition, although the embodiment shown in FIGS. 8A and 8B includes a process of generating the predetermined electronic document and storing it in the electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited.

In the following Figures 9a, 9b and 9c, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 600 is referred to as "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (and May allocate a communication channel for transmitting and receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If the terminal does not need to install and / or update the latest version of the security module for internet banking (925a), or if the terminal does not need to install and / or update the security module for internet banking (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also to be provided to the server for registration of application information for opening a financial account in the terminal. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) and / or is provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of financial account opening application information. Attach a predetermined digital signature to information (or data) to be provided and / or at least When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal based on the customer authentication data received from the terminal as an Internet banking customer for non-face-to-face channel-based financial transactions (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel which can register and register predetermined financial account establishment application information from the terminal to the server.

Subsequently, when the terminal requests a web page including the user interface to the server through an internet banking-based financial transaction channel (900b), the server correspondingly at least one of the customer information and the financial account property setting information. Generate (or extract) a web page including a user interface for inputting (or selecting) information on opening a financial account opening request to the server (905b) and generating the webpage through the internet banking-based financial transaction channel ( Alternatively, the web page including the extracted user interface is transmitted to the terminal and output (910b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) financial account opening application information including at least one of customer information and financial account property setting information. And / or print the password and / or security card information (e.g., printed on the security card issued to the customer during the internet banking application process) to verify the validity of the Internet banking customer requesting to register the financial account opening application information. Security card information) and / or one time password (e.g., one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application). It is preferable to further include a user interface for inputting a).

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

Thereafter, the terminal inputs (or selects) financial account opening application information including at least one of the customer information and financial account attribute setting information through the financial product subscription interface (915b).

If the terminal inputs (or selects) financial account opening application information including the customer information and financial account property setting information through the user interface (920b), the terminal inputs the input (or The selected financial account opening application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal may determine a validity of the financial account opening application information on the server in the financial account opening application information including at least one of the customer information and the financial account property setting information. At least one or more password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator may be further transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption method, and / or electronic envelope-based encryption method, and / or key exchange-based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening a financial account through the network means. It is preferable to transmit to the server, and for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / Or when the authorized certificate is provided on a predetermined IC chip (or IC card), the IC chip (or IC) It DE) is provided with a card reader for identifying the certificate provided in the preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, symmetric key-based encryption method, and / or disclosure of financial account establishment application information including at least one of the customer information and financial account property setting information). Key-based encryption scheme, and / or electronic envelope-based encryption scheme, and / or key exchange-based encryption scheme, and the like, and transmit the encrypted data to the server through the network means. Have a corresponding at least one encryption key, and / or have a predetermined certificate containing at least one or more encryption keys, and / or the certificate is provided on a given IC chip (or IC card) Is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) Preferable.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the financial account opening application information, and technical features for attaching a predetermined electronic signature to the financial account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The customer information includes personal information of the customer (eg, customer's name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). By including at least one member ID information, or CIF (Customer Information File) number provided in the customer ledger provided on the financial system associated with the financial account opening system corresponding to the customer by It is preferable to make.

The financial account attribute setting information includes basic attribute information such as a financial account type (eg, free withdrawal or savings, etc.) that the customer wants to open through the financial account opening application information, and transfer (or withdrawal) to the financial account. ) If the financial account is an account associated with an investmentable financial product, and at least one financial product attribute information associated with the financial account is preferably included.

Thereafter, the server receives and reads the financial account opening application information through the financial transaction channel to check the validity of the financial account opening application information (930b).

According to an embodiment of the present invention, the financial account opening application information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or Or, if encrypted with a key exchange-based encryption scheme, the server at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public key) corresponding to the encryption scheme to the encrypted financial account opening application information Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received financial account opening application information.

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

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

According to an embodiment of the present invention, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined password for confirming the validity of the financial account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the password received included in the financial account opening application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes predetermined security card information for checking the validity of the financial account opening application information, the server opens the financial account opening. It is preferable to authenticate the validity of the received financial account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the financial account opening application information received through the information receiving unit 615 further includes a predetermined OTP code for confirming the validity of the financial account opening application information, the server requests to open the financial account. The validity of the received financial account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validity of the financial account opening application information is at least one or more ledger information matching the financial account opening application information in the ledger D / B on the financial system linked to the financial account opening system It is preferable to include checking whether it is registered.

For example, the validity confirming unit 625 may include a ledger D / D on the financial system in which the customer information (customer personal information or member information, etc.) of the information included in the financial account opening application information is linked to the financial account opening system. It is preferable to include checking whether the match with the customer ledger stored in B.

If the validity of the financial account opening application information is not authenticated (935b), the server generates a web page including predetermined financial account opening error information and transmits it to the terminal (940b), and the financial account opening procedure Do not do it.

On the other hand, if the validity of the financial account opening application information is authenticated (935b), the server generates predetermined document content including at least one or more customer information including the financial account opening application information and financial account attribute setting information. In operation 945b, a predetermined financial account opening application electronic document including the document content is generated in operation 950c.

According to an embodiment of the present invention, the server generates a document content including at least one or more customer information and financial account attribute setting information included in the received financial account opening application information, the document comprising the document content The file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT); It is advisable to process the account opening application electronic documents.

Alternatively, the server generates document content including at least one of customer information and financial account property setting information included in the received financial account opening application information, and the customer included in the financial account opening application information in the document content. After at least one of the information and the financial account attribute setting information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI ( Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT) may be processed as the electronic account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, It is preferable to process an image file including the document content generated by capturing the document content on a memory as the financial account opening request electronic document.

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) and including at least one of customer information and financial account property setting information included in the financial account opening application information in a watermarking manner, It is preferable to process the image file containing the included image content as the financial account opening application electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content ( A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) including captured image content (eg, image content generated by capturing the document content on a memory). It is preferable to generate a word processor file including at least one of / DOC or the like, or a web document file including the MHT, etc.) to process the financial account opening application electronic document.

Alternatively, the server generates document content including at least one of customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, capturing the document content). Image content including at least one of customer information included in the financial account opening request information and financial account property setting information in a watermarking method. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) that includes the image content including the watermarking. , Or a web document file including an MHT) It is desirable to treat each other.

According to another exemplary embodiment of the present invention, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the document content. (Capture) a predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a portable document format) file including image content (e.g., image content generated by capturing the document content on a memory) and the financial account opening application information); Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT).

Alternatively, the server generates document content including at least one or more customer information and financial account property setting information included in the received financial account opening application information, and captures the image content (eg, Image content generated by capturing the document content on a memory) including at least one of customer information included in the financial account opening application information and financial account property setting information in a watermarking manner. And at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking and the application for opening the financial account. By generating a word processor file including the above, or a web document file including the MHT, It is preferable to process the financial account opening application electronic document.

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

Thereafter, the server stores the generated financial account opening application electronic document in a predetermined electronic document storage box (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 645 and an electronic document D / B 665 connected to a server on the financial account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated financial account opening request electronic document to the electronic document server 645 through the communication means to store in the electronic document D / B (665).

Alternatively, when the electronic document storage is provided on the DBMS provided in the financial account opening system, the server sends the generated financial account opening application electronic document to the electronic document storage on the DBMS provided in the financial account opening system. It is possible to store in the corresponding electronic document D / B 665, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the financial account opening application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated financial account opening application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (665).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the financial account opening request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the electronic account opening application electronic document.

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

If the electronic document opening application electronic document is stored in the electronic document storage (960c), the server generates predetermined account ledger information corresponding to the financial account opening application information (c65c), and in connection with the financial system After opening a financial account of the customer name including the account ledger information (970c), a predetermined financial account opening history information is generated (or extracted) and transmitted to the terminal (975c).

FIG. 10 is a diagram illustrating a face-to-face financial transaction system for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to an embodiment of the present invention.

In more detail, Fig. 10 shows a bank account information, a transfer amount information, transaction authentication information, and a remitter for transfer of funds from a financial account to a predetermined open online account from a financial account to a financial transaction system through a predetermined financial transaction interface. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened online account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If so, reference and / or modification of this drawing 10 to the financial account Definition Various implementation methods for the construction of a financial transaction system for transferring funds to an open account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, the financial transaction for the transfer of funds from the financial account to a predetermined open online account using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 10. A component corresponding to at least one or more means and / or functional configurations is referred to as a "financial transaction server 1000" for convenience, and the financial transaction server 1000 in FIG. 10 providing the face-to-face financial transaction service It is preferable to include at least one window terminal and the account system on the financial system connected through a predetermined financial network, but FIG. 10 shows the financial transaction server 1000 for convenience of explanation. Although illustrated as a server, the present invention is not limited thereto.

Referring to FIG. 10 according to an embodiment of the present invention, a financial transaction system for transferring funds from a financial account to a predetermined non-opened online account includes a financial transaction including a teller terminal provided at at least one financial institution branch. A financial network (for example, a banking network) to which the terminal 1060 and the financial transaction terminal 1060 are connected, and the predetermined online account in the financial account connected to the financial transaction terminal 1060 through the financial network. And a financial system in which the remitter financial account opened through the financial transaction server 1000 for processing a financial transaction for money transfer and the financial account opening system shown in FIGS. 1 and / or 6 are opened. It features.

The financial system that processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 1000 is the financial system. At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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

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

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

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

Referring to FIG. 10, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in FIG. 1 and / or FIG. It characterized by comprising a predetermined account ledger corresponding to the sender's financial account opened through the financial account opening system shown in Figure 6.

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

According to the method of the present invention, the customer visits the financial institution branch for the transfer of funds from the financial account to a predetermined open online account, and through the window provided at the financial institution branch (or through a teller). Application for transfer of funds from a financial account to a given open online account (e.g., a document with a form for filling in at least one item of information for transfer of funds from the financial account to a given open online account) ), And the completed application is submitted to the teller, and the teller, through a designated teller terminal, remitter's financial account information and transfer amount information, transaction authentication information, beneficiary unique information and money transfer authentication Information is input (or selected), and the teller terminal is connected with the input (or selected) remitter's financial account information; Preferably, the financial transaction request information including at least one or more amount information, transaction authentication information, payee unique information, and money transfer authentication information is transmitted to the financial transaction server 1000 provided on the financial transaction system through the financial network. Do.

Herein, the financial transaction terminal 1060 may include a terminal used by a window clerk provided at the branch of the financial institution, and the financial transaction server 1000 connected to the window terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, the financial network connecting the teller terminal and the financial transaction server 1000 is a branch network connecting the communication channel between the teller terminal and the financial transaction server 1000. It is preferable to comprise.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 1000 are defined by the customer in the financial account. It functions as a financial transaction interface for registering financial transaction request information for transfer of funds to an open account.

The financial transaction request information transmitted from the financial transaction terminal 1060 to the financial transaction server 1000 for the transfer of funds from the financial account to a predetermined non-opened online account may include a predetermined remitter financial account information and a transfer amount information. And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, branch code), contact information (eg, the name of the person in charge of opening and in charge of the remitter's financial account, the contact person code, etc.) may be further included.

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. It is preferable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable to perform a secret key (or symmetric key) for transferring funds to the open online account by checking whether the registered online account matches the payee unique information.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

The financial transaction server 1000 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1060 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a window terminal connected to a predetermined financial network, the financial transaction server 1000 is connected to the financial terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the financial transaction server 1000 is provided with an interface unit 1005 for connecting and managing a predetermined communication channel with the financial transaction terminal 1060 through the financial network. do.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a window terminal connected to a predetermined financial network, the interface unit 1005 may be connected to the window terminal based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 10, the financial transaction server 1000 has a predetermined financial transaction terminal 1060 connecting a communication channel with the financial transaction server 1000 through the interface unit 1005, and / or the When the financial account requests a financial transaction for transfer of funds to a predetermined non-opened online account through a communication channel, the predetermined financial transaction request information is input from the financial transaction terminal 1060 in association with the interface unit 1005. (Or select) the interface providing unit 1010 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1060, and the financial transaction terminal 1060. ) Is provided with a predetermined terminal-side banking program including the user interface, the interface providing unit 1010 is preferably omitted.

The interface providing unit 1010 has a predetermined financial transaction terminal 1060 connects a communication channel with the financial transaction server 1000 through the interface unit 1005, and / or the financial account through the communication channel. Requests a financial transaction for transfer of funds to a predetermined non-opened online account, inputs (or selects) the financial transaction request information corresponding to the functional configuration provided in the financial transaction terminal 1060 through the financial network. A user that generates a predetermined user interface that can be transmitted to the financial transaction server 1000, and / or extracts from a predetermined database (not shown), and the user generated (or extracted) in conjunction with the interface unit 1005 An interface may be provided to the financial transaction terminal 1060 through the financial network.

According to an exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a window terminal connected to a predetermined financial network, the interface providing unit 1010 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1060 includes at least one user interface for inputting (or selecting) the financial transaction request information and transmitting the financial transaction request information to the financial transaction server 1000 through the financial network. When a predetermined terminal-side banking program is provided, the interface providing unit 1010 for providing the user interface to the financial transaction terminal 1060 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferable to include an interface function to transmit to the financial transaction server 1000.

Referring to FIG. 10, the financial transaction server 1000 stores at least one remitter's financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information at the financial transaction terminal 1060 through the user interface. When the financial transaction request information including one or more information is input (or selected) and transmitted, the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information are linked with the interface unit 1005. An information receiving unit 1015 for receiving the financial transaction request information including at least one, and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer included in the received financial transaction request information; Validation unit 1025 for checking the validity of the authentication information, and in connection with the financial system A virtual account opening unit 1030 that opens an unpaid virtual account to which the transfer amount is pre-deposited based on the financial transaction request information that has been validated, and corresponds to the unpaid virtual account in connection with the financial system to respond to the financial transaction request information. A financial transaction processing unit 1035 for processing a financial transaction that prepays the transfer amount; and an information storage unit 1040 for storing a money transfer history corresponding to the financial transaction request information in a predetermined storage medium 1055; Generates predetermined financial transaction result information for a financial transaction for transfer of funds from the financial account to a predetermined non-opened online account in connection with a financial transaction processing unit 1035, and connects the financial transaction with the interface unit 1005. And an information transmitter 1020 for transmitting the result information to the financial transaction terminal 1060. The information transmitter 1020 And generating predetermined online account opening request information corresponding to the original payee unique information and transmitting it to a payee communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal. .

The financial transaction terminal 1060 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface. ) To the financial transaction server 1000 through the financial network.

The information receiving unit 1015 requests the financial transaction including at least one or more remitter's financial account information, transfer amount information, transaction authentication information, beneficiary unique information, and money transfer authentication information through the user interface at the financial transaction terminal 1060. When the information is input (or selected) and transmitted through the financial network, the financial transaction request information is received in association with the interface unit 1005, and the validity confirmation unit receives the received financial transaction request information. Provided at 1025.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, branch code), contact information (eg, the name of the person in charge of opening and in charge of the remitter's financial account, the contact person code, etc.) may be further included.

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or a password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. It is preferable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable to perform a secret key (or symmetric key) for transferring funds to the open online account by checking whether the registered online account matches the payee unique information.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

The validity confirming unit 1025 is characterized by checking whether the financial transaction request information received from the financial transaction terminal 1060 satisfies the validity for the transfer of funds from a financial account to a predetermined non-opened online account.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

When the validity of the financial transaction request information is confirmed, the virtual account opening unit 1030 is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, and the transfer amount is set as the parent account. And generating a predetermined unpaid virtual account to be prepaid.

According to another exemplary embodiment of the present invention, a financial account (eg, a financial institution-side financial account, or the payee is a conventional financial transaction customer of the financial institution) that manages at least one or more unpaid virtual accounts to which the transfer amount is pre-directed to the financial system. In the case of the payee online account), the virtual account opening unit 1030 may generate a predetermined unpaid virtual account to which the transfer amount is prepaid using the financial account as a parent account. The present invention is not limited.

When a predetermined unpaid virtual account for which the transfer amount is to be prepaid is opened, the financial transaction processing unit 1035 connects to a remitter included in the financial transaction request information in connection with a financial system equipped with an account ledger corresponding to the remitter financial account. Based on the financial account information, the transfer amount information, the transaction authentication information, the recipient unique information and the funds transfer authentication information, withdrawal of the transfer amount from the financial account to process a financial transaction to prepay the unpaid virtual account. .

Thereafter, the information storage unit 1040 corresponds to the remitter financial account information and the transfer amount information included in the financial transaction request information (or the money transfer history corresponding to the financial transaction request information), and the open online account. The payee unique information, the funds transfer authentication information for the non-opened online account, and the unpaid virtual account information are stored in a predetermined storage medium 1055.

When the financial transaction for the transfer of funds from the financial account to the predetermined non-opened online account is processed by the financial transaction processing unit 1035, the information transmission unit 1020 is connected to the financial transaction processing unit 1035 and the financial account. Generates a money transfer history including any one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined non-opened online account, and transfers the money in association with the interface unit 1005. The financial transaction result information including the details may be transmitted to the financial transaction terminal 1060 through the financial network.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the recipient's unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information. Characterized in that it further comprises an authorization code (or error code) for the financial transaction.

The financial transaction result information includes a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 1060 through the financial network, and receives the financial transaction result information. The transaction terminal 1060 outputs a predetermined financial transaction receipt including the money transfer history included in the predetermined financial transaction result information.

After the financial transaction processing unit 1035 processes the money transfer financial transaction from the financial account to a predetermined non-opened online account according to the financial transaction procedure, the information transmission unit 1020 corresponds to the recipient unique information. Characterized in that for generating the online account opening request information.

Here, the online account opening request information includes money transfer information for the non-opened online account including the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee comprises at least one online account request information requesting to open a predetermined payee online account through the online account registration system shown in FIGS. 19 and / or 27.

Thereafter, the information transmitting unit 1020 transmits to the recipient communication means including at least one messenger ID, an e-mail address, and a wireless terminal of the recipient, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the unique payee information included, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 10, after the financial transaction processing unit 1035 processes a money transfer financial transaction from a financial account to a predetermined non-opened online account according to the financial transaction procedure, the financial transaction server 1000 is illustrated in FIG. 19. And / or an information confirming unit 1045 confirming whether a payee online account matching with the payee unique information is opened in connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIG. 27. ), And upon confirmation of opening of a payee online account matching the payee unique information, transfer the transfer amount pre-transferred to the unpaid virtual account to the payee online account through the money transfer authentication information (or payee unique information). It is characterized in that it comprises a payee authentication unit 1050 for authenticating that, by the payee authentication unit 1050 in the fund transfer When it is authenticated that the transfer amount included in the deposit is transferred to the payee online account and the deposit is made, the financial transaction processing unit 1035 is withdrawn from the remitter's financial account according to the financial transaction procedure and transferred to the unpaid virtual account in advance. Process a financial transaction by depositing the final transfer to the payee online account, or convert the unpaid virtual account into the payee online account, and transfer the transfer amount prepaid to the unpaid virtual account to the payee online account. When the deposit is made by the final transfer to the bank, or when the unpaid virtual account is converted into the payee online account, the information transmitter 1020 generates money transfer history information for the unopened online account (or payee online account). Sender communication means (e.g., messenger ID, email address, wireless To the transfer of a horse with the sender communication device) including at least one or more features.

In addition, the information check unit 1045 is characterized in that to check whether the transfer period for the unopened online account (or payee online account) has elapsed by reading the money transfer period information included in the money transfer history, As a result of the check, when the period of transfer of funds for the unopened online account (or the payee online account) has elapsed, the financial transaction processing unit 1035 is withdrawn from the remitter's financial account according to the financial transaction procedure and is transferred to the unpaid virtual account. A financial transaction for refunding the transferred transfer amount to the remitter's financial account, and the financial transaction processing for refunding the transfer amount withdrawn from the remitter's financial account and prepaid to the unpaid virtual account to the remitter's financial account. At the time, the information transmission unit 1020 is for the unopened online account (or payee online account) It generates a money transfer error information and transmits it to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

The information checking unit 1045 registers the online account in the online account registration process in connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIGS. 19 and / or 27. Customer information (e.g., customer name and social security number, web server 1065 member information, or messenger information, e-mail address information, or wireless terminal information) included in the online account application information provided from the customer and the storage medium ( By comparing the payee unique information (e.g., payee name and social security number, or web server 1065 member information, or messenger information, or e-mail address information, or wireless terminal information) included in the fund transfer history stored in 1055), It is characterized by checking whether a payee online account matching the payee unique information is opened.

When it is confirmed by the information checking unit 1045 that a payee online account matching the payee unique information is established, the payee authentication unit 1050 transfers the transfer amount prepaid to the unpaid virtual account to the payee online account. It is characterized by authenticating that the transfer by transfer.

According to the implementation method of the present invention, when it is confirmed by the information confirming unit 1045 that a payee online account matching the payee unique information is established, the payee authentication unit 1050 is shown in Figs. 19 and / or 27. In connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in the request to the customer terminal of the recipient to input the predetermined funds transfer authentication information (or recipient unique information), Receives the money transfer authentication information (or payee unique information) from the customer terminal of the payee in cooperation with the financial company server, and stores the received money transfer authentication information (or payee unique information) and the storage medium 1055 By comparing the funds transfer authentication information (or the payee unique information), the transfer amount prepaid to the unpaid virtual account is transferred to the payee online account. To authenticate that the depositing is preferred.

If it is authenticated by the beneficiary certification unit 1050 to deposit and deposit the transfer amount included in the money transfer details into the beneficiary online account, the financial transaction processing unit 1035 performs the storage medium according to the financial transaction procedure. A financial transaction, which is withdrawn from the remitter's financial account included in the money transfer history stored in 1055 and finally transferred to the unpaid virtual account, is finally transferred to the beneficiary online account to process a financial transaction.

According to the method of the present invention, the financial transaction processing unit 1035 is based on the money transfer history stored in the storage medium 1055 and withdrawn from the remitter's financial account and the wire transfer amount prepaid to the unpaid virtual account. Process a financial transaction for final deposit and deposit to a payee online account, and generate a deposit transaction history for finally depositing and depositing a transfer amount withdrawn from the sender's financial account and prepaid to the unpaid virtual account to the payee online account. It is desirable to store in the recipient's financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1020 generates money transfer history information including a deposit transaction history of depositing money by transferring the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the payee online account. And transmitting the generated money transfer history information to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

In addition, the information checking unit 1045 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws from the remitter's financial account and fails to pay. It is characterized by checking whether the period for transferring the transfer amount prepaid to the virtual account to an unopened online account (or payee online account) has elapsed.

As a result of the check, when the period of transfer of funds for the unopened online account (or the payee online account) has elapsed, the financial transaction processing unit 1035 is withdrawn from the remitter's financial account according to the financial transaction procedure and placed in the unpaid virtual account. A financial transaction for repaying the transfer amount transferred to the remitter's financial account is processed, and the money repayment history for repaying the transfer amount refunded by the financial transaction processor 1035 to the remitter's financial account is described. It is preferable to generate and store in the remitter financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1020 generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the remitter financial account, and the It is characterized in that to transmit the generated money refund history information to the remitter communication means (for example, the remitter communication means including at least one of the sender's messenger ID, e-mail address, wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

11 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a face-to-face financial transaction for transfer of funds from a financial account to a non-opened online account in a financial account according to an embodiment of the present invention. Drawing.

In more detail, FIG. 11 corresponds to the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 to the ledger D / B provided in the DBMS on the financial system shown in FIG. A method of implementing a ledger including an unpaid virtual account opened by using an account ledger as a parent account, and a person having ordinary knowledge in the art to which the present invention pertains refers to and / or modify the present invention. It would be possible to infer various implementation methods for the construction of a ledger corresponding to the remitter financial account provided in the financial system for the transfer of funds from the financial account to a predetermined open account. It includes a method, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 11 and the financial system is provided with a predetermined financial account for managing at least one or more of the virtual accounts. Various implementation methods for a ledger configuration including an unpaid virtual account opened with a financial account as a parent account may be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one 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, is provided in the DBMS on the financial system. The ledger D / B has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details. It will be omitted for convenience.

The customer ledger includes customer information corresponding to the remitter's financial account for transfer of funds from the financial account to a predetermined non-opened online account, and includes a customer information file (CIF) number, a country code, a contact ID, a branch number. , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined open online account, which is linked in relation to the customer ledger and includes 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, time extension, time extension, ARS setting, last deposit date, last withdrawal amount, final deposit amount At least one or more of the final withdrawal amount, the number of unpaid account transactions, interest rate account accounting, the consolidation status, the final payment interest, the final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic receipt information including at least one of a number, the number of waivers (months), a period (days), an extension, an expiration date, and a target amount, and / or an account number corresponding to the ledger, and a deposit Trust receipt information including at least one or more amounts, par value, pension date and number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, other ticket, It includes transaction history information including at least one of a batch number (Batch No.), a compound transaction, a date of settlement, a bank account line, a summary, and a CIF.

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

The virtual account ledger is the account ledger as a mother account, the virtual account ledger information configuration is similar to the account ledger information configuration, and further comprises a mother account information for linking the unpaid virtual account with the mother account.

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

12 illustrates a process of processing a financial transaction for transfer of funds from a financial account to an unopened online account through an unpaid virtual account in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a case in which the financial transaction server 1000 on the financial transaction system illustrated in FIG. 10 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. After the terminal connects to the financial transaction server 1000 to connect a communication channel for the financial transaction, the financial account information, the transfer amount information, and the transaction authentication information of the remitter to the financial transaction server 1000 through the communication channel. And the financial transaction request information including the recipient unique information and the money transfer authentication information, the financial transaction server 1000, the remitter financial account information and the transfer amount information and the transaction authentication included in the received financial transaction request information. To transfer funds from the financial account to a predetermined open online account using the information, payee unique information, and funds transfer authentication information. The present invention relates to a method for providing a fusion transaction, and a person of ordinary skill in the art to which the present invention pertains can refer to and / or modify the drawing 12 to transfer from a financial account to a predetermined open account in the face-to-face manner. Various implementation methods for the process of processing a financial transaction for transfer of funds may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 12, the window terminal shown in FIG. 10 is referred to as "terminal" for convenience, and the financial transaction server 1000 shown in FIG. 10 is referred to as "server" for convenience.

Referring to FIG. 12, the terminal shown in FIG. 10 connects a communication channel for at least one financial transaction with the server through the financial network, and transfers funds from the financial account to a predetermined open online account. A user interface for inputting (or selecting) financial transaction request information including at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information is output (1200).

Thereafter, a predetermined application (eg, from the financial account to a predetermined open online account) includes at least one or more of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the customer. A document having a form for filling in at least one information item for the transfer of funds) is completed and submitted, the terminal receives the remitter financial account information and the transfer amount information and transaction authentication included in the application through the user interface. Input (or select) financial transaction request information including at least one of information, payee-specific information, and money transfer authentication information (1205), and the remitter financial account information and the transfer amount through a financial network connecting the terminal and the server; Write down the information, transaction verification information, payee unique information and fund transfer verification information The financial transaction request information including one or more is transmitted to the server (1215).

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or a password corresponding to the financial transaction.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. It is preferable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable to perform a secret key (or symmetric key) for transferring funds to the open online account by checking whether the registered online account matches the payee unique information.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial network. The validity of the request information is checked (1220).

According to an embodiment of the present invention, the validity of the financial transaction request information is determined by the account ledger for the financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system. Or checking whether a customer ledger corresponding to the remitter's financial account is provided. When the account ledger (or a customer ledger corresponding to the remitter's financial account) is provided, the financial transaction request information is provided. It is desirable that the validity of the certificate is verified.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

If the validity of the financial transaction request information is not authenticated (1225), the server generates (1230) a money transfer history including predetermined money transfer error information corresponding to the validity error information, and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (1235).

On the other hand, if the validity of the financial transaction request information is authenticated (1225), the server opens a predetermined unpaid virtual account to which the transfer amount will be prepaid in connection with a financial system equipped with an account ledger corresponding to the remitter's financial account. In operation 1340, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the remittee unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. The withdrawal amount is withdrawn and the financial transaction is prepaid to the opened unpaid virtual account (1245).

If a financial transaction for prepaying the transfer amount from the remitter's financial account to the opened unpaid virtual account is processed (1250), the server includes a financial transaction result of prepaying the transfer amount to the unpaid virtual account. Generate transfer history (1255).

The money transfer details may include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information. Characterized in that it further comprises an authorization code (or error code) for the financial transaction.

Thereafter, the server associates at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information included in the money transfer history, and stores the storage medium. Stored at (1055) (1260).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or the financial transaction request information corresponding to the money transfer history), and the recipient unique information corresponding to the open online account. And transfer the funds transfer authentication information for the non-opened online account is stored in a predetermined storage medium (1055).

In addition, the server transmits the financial transaction result information including the money transfer history to the terminal through the financial network (1265), and correspondingly, the terminal prints and outputs a financial transaction receipt including the money transfer history. (1270).

13 is a process for depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened online account through an unpaid virtual account according to an embodiment of the present invention and prepaid to the unpaid virtual account to a payee online account. Figure is shown.

In more detail, in FIG. 13, the withdrawal amount is transferred from the remitter's financial account shown in FIG. 12, and the prepayment is carried out to the unpaid virtual account, thereby providing the remitter's financial account information to the storage medium 1055; Fund transfer details for the unopened online account, including at least one transfer amount information, payee-specific information corresponding to the unopened online account, at least one fund transfer authentication information for the unopened online account, and period for transferring funds. After it is stored, the financial transaction server 1000 is linked with the web server 1065 (or the information processing server 1070) shown in FIGS. 19 and / or 27 based on the money transfer history for the open online account. Recipient corresponding to the unopened online account with the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account. Regarding the process of depositing by transferring to an online account, a person having ordinary knowledge in the technical field to which the present invention belongs, refer to and / or modify the drawing 13, and send the remitter to transfer funds to the unopened online account. Various implementation methods may be inferred for the process of depositing the transfer amount withdrawn from the account and prepaid to the unpaid virtual account into the payee online account, but the present invention includes all the inferred implementation methods, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the financial transaction server 1000 on the financial transaction system illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 13, a process of withdrawing the transfer amount from the remitter financial account shown in FIG. 12 and prepaying the unpaid virtual account to the storage medium 1055 to transfer the remitter financial account information and the transfer to the storage medium 1055. Stores the money transfer history for the unopened online account, including at least one amount of information, payee-specific information corresponding to the unopened online account, at least one of money transfer authentication information and money transfer period information for the unopened online account. The server generates predetermined online account opening request information corresponding to the unique payee information, and includes the generated online account opening request information including at least one messenger ID, an e-mail address, and a wireless terminal of the payee. Transmission to the communication means (1300).

Here, the online account opening request information includes money transfer information for the non-opened online account including the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee comprises at least one online account request information requesting to open a predetermined payee online account through the online account registration system shown in FIGS. 19 and / or 27.

In addition, the recipient communication means information is confirmed from the payee unique information included in the funds transfer history for the non-opened online account, or if the beneficiary communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether the at least one new online account is registered in connection with the web server 1065 (or the information processing server 1070) shown in FIGS. 19 and / or 27 (1305).

If it is confirmed that at least one new online account is registered (1310), the server checks whether the new online account is opened with the payee online account through the payee unique information stored in the storage medium 1055 (1315). .

According to the method of the present invention, the server is connected to the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIGS. Customer information (e.g., customer name and social security number, web server 1065 member information, or messenger information, e-mail address information, or wireless terminal information) included in the online account application information provided from the online account registration customer; Recipient unique information (eg, payee name and social security number, web server 1065 member information, or messenger information, or e-mail address information included in the funds transfer history for the unopened online account stored in the storage medium 1055, Or wireless terminal information, etc.) to confirm whether a payee online account matching the payee unique information is opened. It is.

If it is not confirmed that the beneficiary online account is opened (1320), the server checks whether the money transfer period for the beneficiary online account has passed (1325) in association with the storage medium 1055.

According to the method of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the unopened online account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is preferable to check whether the period for transferring the transfer amount withdrawn from the financial account and prepaid to the unpaid virtual account to the unopened online account (or payee online account) has passed.

If the check result has not passed the money transfer period (1330), the server repeats the process of checking whether the payee online account is opened until the money transfer period has passed.

On the other hand, if the check transfer period has passed (1330), the server processes the financial transaction to refund the transfer amount for the payee online account to the remitter financial account in connection with the financial system in which the remitter financial account is opened. In operation 1340, predetermined money refund detail information corresponding to the money refund is transmitted to the remitter communication unit (1340).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction to refund the transfer amount prepaid to the unpaid virtual account to the remitter's financial account, and generates a refund history for repaying the amount corresponding to the transfer amount refund to the remitter's financial account, on the financial system. It is preferable to store the remitter in the financial account provided.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the remitter financial account, and the generated money refund history. And transmit the information to the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, when it is confirmed that the payee online account is opened (1320), the server is connected to the payee customer terminal in connection with the web server 1065 (or information processing server 1070) shown in FIGS. 19 and / or 27. After requesting predetermined funds transfer authentication information (1345), and receiving the money transfer authentication information from the payee customer terminal in connection with the web server 1065 (or information processing server 1070) (1350), The validity of the money transfer financial transaction (or the recipient of the money transfer, or the online recipient of the money transfer) is compared with the received money transfer authentication information and the money transfer authentication information stored in the storage medium 1055 (1355). ).

If the validity of the money transfer financial transaction (or the recipient of the money transfer, or the recipient's online account) through the money transfer authentication information is not authenticated (1330), the server determines that the financial system in which the remitter financial account is opened. In connection with the processing of the financial transaction to refund the transfer amount for the payee online account to the remitter's financial account (1335), and transmits the reimbursement details information corresponding to the money refund to the remitter communication means (1340). ).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction to refund the transfer amount prepaid to the unpaid virtual account to the remitter's financial account, and generates a refund history for repaying the amount corresponding to the transfer amount refund to the remitter's financial account, on the financial system. It is preferable to store the remitter in the financial account provided.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the remitter financial account, and the generated money refund history. And transmit the information to the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter financial account, or the remitter communication means information in the process of receiving the financial transaction request information for the open account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, when the validity of the money transfer financial transaction (or the recipient of the money transfer, or the online recipient of the money transfer) through the money transfer authentication information is authenticated (1360), the server opens the remitter financial account and the recipient online account. In connection with the established financial system, a deposit financial transaction for transferring money to the payee online account is processed (1365).

When the transfer amount is withdrawn from the remitter financial account according to the method of the present invention, the server withdraws from the remitter financial account based on the money transfer history for the unopened online account stored in the storage medium (1055). Process a financial transaction by finally transferring the transfer amount prepaid to the unpaid virtual account to the beneficiary online account, and withdrawing the transfer amount withdrawn from the remitter's financial account and prepaid to the unpaid virtual account. It is preferable to generate a deposit transaction history of the final transfer to the deposit and store it in the recipient's financial account ledger provided on the financial system.

If a deposit financial transaction for transfer of funds to the payee online account is processed (1370), the server transfers the deposit amount withdrawn from the sender's financial account and prepaid to the unpaid virtual account to the payee online account. Generate money transfer history information including a deposit transaction history, and transfer the generated money transfer history information to the remitter communication means (for example, remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal); And transmit (1375).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter financial account, or the remitter communication means information in the process of receiving the financial transaction request information for the open account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

FIG. 14 illustrates a non-face-to-face financial transaction system for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to another embodiment of the present invention.

In more detail, FIG. 14 shows a bank account information, a transfer amount information, transaction authentication information, and a remitter for transfer of funds from a financial account to a predetermined open online account to a financial transaction system through a predetermined financial transaction interface. When providing financial transaction request information including at least one payer unique information and funds transfer authentication information, the remitter financial account information, the transfer amount information and the transaction authentication information included in the provided financial transaction request information in the financial transaction system; A system configuration for providing a financial transaction for transfer of funds from the financial account to a predetermined non-opened online account using unique payee information and funds transfer authentication information, and has a general knowledge in the technical field to which the present invention belongs. If not, refer to and / or modify this drawing 14 in a financial account. Definition Various implementation methods for the construction of a financial transaction system for transferring funds to an open account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, in the financial transaction system shown in FIG. 14, a financial transaction for transferring money from a financial account to a predetermined open online account is provided using the financial transaction request information provided from the customer through a predetermined financial transaction interface. Components corresponding to at least one or more means and / or functional configurations are referred to as " financial transaction server 1400 " for convenience, and the financial transaction server 1400 in FIG. 14 providing the non-face-to-face financial transaction service. Preferably, all kinds of non-face-to-face banking servers include at least one or more of an Internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 14 according to an embodiment of the present invention, a financial transaction system for transferring funds from a financial account to a predetermined open online account includes at least one wired terminal and / or a wireless terminal used by a customer. A financial transaction terminal 1060 including at least one client terminal or the like, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1060 is connected, and the financial transaction terminal through the network means. A financial transaction server 1400 connected to a 1060 to process a financial transaction for transfer of funds from the financial account to a predetermined non-opened online account and through the financial account opening system shown in FIGS. 1 and / or 6 The opened remitter financial account is characterized by including the opened financial system.

The financial system that processes at least one financial transaction service through the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 in connection with the financial transaction server 1400 may include: At least one window terminal provided at a branch (and / or branch) of the institution and a predetermined financial network (for example, a branch network), and through the window terminal, Provide face-to-face financial transaction services.

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

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (eg, a Personal Computer (PC) equipped with the wired Internet access and browsing function) connected to an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet, and / or A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop, a laptop equipped with the wireless LAN / portable Internet connection and a browsing function, and / or a mobile terminal.

In addition, the financial system is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or HSDPA based wireless through the wireless banking server) PCS (Personal Communication) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to a communication network, and / or an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. System and / or Global System for Mobile (GSM) terminals and / or personal digital assistants (PDAs) and / or smartphones and / or telematics, etc. Provide face-to-face financial transaction services.

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

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

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

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

Referring to FIG. 14, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). Is stored in a linked process, and the ledger information is shown in FIG. 1 and / or FIG. And a predetermined ledger corresponding to the remitter's financial account opened through the financial account opening system shown in FIG.

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

According to an embodiment of the present invention, the customer accesses the financial transaction server 1400 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction request information for the transfer of funds is input (or selected) from the financial account to a predetermined non-opened online account through the at least one user interface provided by the financial transaction server 1400, the client terminal receives a predetermined information. It is preferable to transmit to the financial transaction server 1400 provided on the financial transaction system through a network means.

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 a high-speed downlink packet access (HSDPA) based wireless communication network, and / Or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or all terminal devices connected to Motorola's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and are personal communications connected to the CDMA based mobile communication network. Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics, or HSDPA based wireless It comprises a wireless communication terminal connected to a trust, or the IEEE 802.16x based portable Internet connected to a portable subscriber terminal, or at least one of the DataTAC / Mobitex based wireless data communication terminal connected to a wireless data communication network and the like.

In addition, the financial transaction server 1400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or a separate web server 1065 for registering the information.

In addition, the network means for connecting the client terminal and the financial transaction server 1400 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial transaction server 1400, and inputs and / or selects at least one or more information through the user interface to the financial transaction server 1400. It is preferable that a function configuration for transmitting (for example, a browser program and a communication function, or a predetermined communication program and a communication function communicating with the financial transaction server 1400, etc.) is provided.

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

In the financial transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1400 and And / or the wireless communication network functions as a financial transaction interface for the customer to register financial transaction request information for the transfer of funds from the financial account to a predetermined open online account.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1060 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A telephone automation network (Cash Dispenser; CD) further comprises, and / or a wired telephone network such as a predetermined public switched telephone network (PSTN), VoIP (Voice over IP) network Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1060 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown) and the financial transaction server A financial network linking 1400 performs the function of a financial transaction interface for the customer to register financial transaction request information for transfer of funds from the financial account to a predetermined open online account, and / or the financial transaction. When the terminal 1060 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1400 may be used. Perform a function of a financial transaction interface for a customer to register financial transaction request information for transfer of funds from the financial account to a predetermined open online account, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the financial transaction terminal 1060 (not shown), the terminal (and / or server) (not shown) and the terminal (and / Or a network connecting a server) (not shown) and the financial transaction server 1400, a financial transaction interface for registering the financial transaction request information for the transfer of funds from the financial account to a predetermined non-opened online account in the financial account. Perform the function of

The financial transaction server 1400 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1060 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1060 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1400. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided in the external world on the financial system, whereby the present invention It is not limited.

According to another embodiment of the present invention, when the financial transaction terminal 1060 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial transaction server 1400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial transaction server 1400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The finance which is a predetermined server (or device) accessible to the alien, a program provided in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the financial transaction server 1400 may be A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The financial transaction request information transmitted from the financial transaction terminal 1060 to the financial transaction server 1400 for the transfer of funds from the financial account to a predetermined non-opened online account is financial account information and a transfer amount information of a predetermined remitter. And transaction authentication information, payee unique information, and funds transfer authentication information.

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, a branch code) and contact person information (for example, a name of a contact person who opened and is in charge of the remitter's financial account, a contact person code, etc.).

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for transfer of funds from the financial account to a predetermined non-opened online account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened online account through the non-face-to-face channel, the transaction authentication information is the financial transaction Authorized certificate information included in the terminal 1060 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1060), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. Accordingly, the web server 1065 associated with the financial institution includes at least one or more of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), mail address information, and wireless terminal information. It is preferable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable that the registered online account serves as a secret key (or symmetric key) for the transfer of funds to the non-opened online account by checking whether the registered unique personal information matches.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

According to the embodiment of the present invention, the financial transaction server 1400 is provided with an interface unit 1405 for connecting and managing the predetermined transaction channel with the financial transaction terminal 1060 through the network means. It features.

When the financial transaction terminal 1060 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network according to an embodiment of the present invention, the interface unit 1405 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1400, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a financial automation device connected to a predetermined financial network, the interface unit 1405 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1405 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the financial transaction server 1400, the interface unit 1405 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 14, the financial transaction server 1400 may be configured such that a predetermined financial transaction terminal 1060 connects a communication channel with the financial transaction server 1400 through the interface unit 1405, and / or the communication. When a financial transaction for money transfer is requested from the financial account to a predetermined non-opened online account through a channel, the financial transaction terminal 1060 interoperates with the interface unit 1405 to input predetermined financial transaction request information ( Or an interface providing unit 1410 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 1060, and the financial transaction terminal 1060. In the case where a predetermined terminal-side banking program including the user interface is provided, the interface providing unit 1410 may be omitted.

The interface providing unit 1410 is provided in the financial transaction terminal 1060 after a predetermined financial transaction terminal 1060 connects a communication channel with the financial transaction server 1400 through the interface unit 1405. Corresponding to the functional configuration, generate a predetermined user interface capable of inputting (or selecting) the financial transaction request information to the financial transaction server 1400 via the network means, and / or a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1405 to the financial transaction terminal 1060 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 1060 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1405. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1410 may provide a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1405 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1060 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface study 1410 may include the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405. .

According to another exemplary embodiment of the present invention, the financial transaction terminal 1060 includes at least one user interface for inputting (or selecting) the financial transaction request information and transmitting the financial transaction request information to the financial transaction server 1400 through the network means. When a predetermined terminal-side banking program is provided, the interface providing unit 1410 for providing the user interface to the financial transaction terminal 1060 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface may input (or select) financial transaction request information including at least one of remitter financial account information, transfer amount information, transaction authentication information, payee unique information, and money transfer authentication information. It is preferable to include an interface function to transmit to the financial transaction server 1400.

Referring to FIG. 14, the financial transaction server 1400 is configured to transfer the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the money transfer authentication information from the financial transaction terminal 1060 through the user interface. When inputting (or selecting) and transmitting financial transaction request information including at least one, the interface unit 1405 and the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information and the money transfer authentication information An information receiving unit 1415 which receives the financial transaction request information including at least one of the at least one and the remitter financial account information, the transfer amount information, the transaction authentication information, the beneficiary unique information, and the funds included in the received financial transaction request information; Validation unit 1425 for checking the validity of the transfer authentication information, and in connection with the financial system A virtual account opening unit 1430 which opens an unpaid virtual account to which the transfer amount is pre-deposited based on previously verified financial transaction request information, and responds to the financial transaction request information to an unpaid virtual account in connection with the financial system. A financial transaction processing unit 1435 for processing a financial transaction for pre-transferring a transfer amount; and an information storage unit 1440 for storing details of money transfer corresponding to the financial transaction request information in a predetermined storage medium 1455; Generates predetermined financial transaction result information for a financial transaction for transfer of funds from the financial account to a predetermined non-opened online account in connection with a financial transaction processing unit 1435, and connects the financial transaction with the interface unit 1405. And an information transmitter 1420 for transmitting the result information to the financial transaction terminal 1060. The information transmitter 1420 And further provided that generates a predetermined online account opening request information corresponding to the group addressee-specific information transfer to IM ID, email address, the wireless terminal of the recipient to the recipient communication means comprising at least one characterized in that formed.

The financial transaction terminal 1060 inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface. ) To the financial transaction server 1400 through the network means.

The information receiving unit 1415 may request a financial transaction including at least one or more remitter's financial account information, transfer amount information, transaction authentication information, beneficiary unique information, and money transfer authentication information through the user interface at the financial transaction terminal 1060. When the information is input (or selected) and transmitted through the network means, the financial transaction request information is received in association with the interface unit 1405, and the validity verification unit receives the received financial transaction request information. Provided at (1425).

The remitter financial account information comprises an account number (or a financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (e.g., the name of the account holder, or the Customer Information File (CIF) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (e.g., bank name, or bank code), branch information (Eg, branch code), contact information (eg, the name of the person in charge of opening and in charge of the remitter's financial account, the contact person code, etc.) may be further included.

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for transfer of funds from the financial account to a predetermined non-opened online account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial The account opening process further comprises at least one or more security code information (e.g., one or more security codes, or two or more security codes) provided on the security card provided to the customer, and / or OTP provided to the customer (One Tome Password) It is preferable to further comprise an OTP code generated by the generator.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened online account through the non-face-to-face channel, the transaction authentication information is the financial transaction Authorized certificate information included in the terminal 1060 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1060), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. desirable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the recipient opens a new recipient online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable that the registered online account serves as a secret key (or symmetric key) for the transfer of funds to the non-opened online account by checking whether the registered unique personal information matches.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

The validity confirming unit 1425 checks whether the financial transaction request information received from the financial transaction terminal 1060 satisfies the validity for transfer of funds from a financial account to a predetermined non-opened online account.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and if the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. A security code corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter's financial account; It is preferable to include checking whether the information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1060, or an authorization issued to a customer). When encrypted through a cryptographic key included in the certificate, the validity check of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not the decryption is normally performed, and if the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

When the validity of the financial transaction request information is confirmed, the virtual account opening unit 1430 is connected to a financial system equipped with an account ledger corresponding to the remitter financial account, and the transfer amount is set as the parent account. And generating a predetermined unpaid virtual account to be prepaid.

According to another exemplary embodiment of the present invention, a financial account (eg, a financial institution-side financial account, or a payee may manage a conventional financial transaction of the financial institution) that manages at least one or more unpaid virtual accounts to which the transfer amount is pre-transmitted to the financial system. In the case of a customer, when the payee online account) is provided, the virtual account opening unit 1430 may generate a predetermined unpaid virtual account to which the transfer amount is prepaid using the financial account as a mother account. The present invention is not limited by this.

When a predetermined unpaid virtual account for which the transfer amount is to be prepaid is opened, the financial transaction processing unit 1435 is connected with a financial system equipped with an account ledger corresponding to the remitter's financial account, and the remitter included in the financial transaction request information. Based on the financial account information, the transfer amount information, the transaction authentication information, the recipient unique information and the funds transfer authentication information, withdrawal of the transfer amount from the financial account to process a financial transaction to prepay the unpaid virtual account. .

Thereafter, the information storage unit 1440 may correspond to the remitter's financial account information and the transfer amount information included in the financial transaction request information (or the money transfer history corresponding to the financial transaction request information), and the non-opened online account. Recipient unique information, the funds transfer authentication information for the non-opened online account and the unpaid virtual account information is stored in a predetermined storage medium 1455 by linking.

When the financial transaction for transfer of funds from the financial account to a predetermined non-opened online account is processed by the financial transaction processing unit 1435, the information transmission unit 1420 is connected with the financial transaction processing unit 1435 to the financial account. Generates a money transfer history including any one of money transfer result information or money transfer error information for a financial transaction for money transfer to a predetermined non-opened online account, and transfers the money in association with the interface unit 1405. The financial transaction result information including the details may be transmitted to the financial transaction terminal 1060 through the network means.

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the recipient's unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information. Characterized in that it further comprises an authorization code (or error code) for the financial transaction.

The financial transaction result information may include a protocol structure for transmitting the generated money transfer history to the financial transaction terminal 1060 through the network means, wherein the financial transaction result information is the financial transaction request. Similar to the information is encrypted, or is attached to the electronic signature of the financial institution is preferably transmitted to the financial transaction terminal (1060).

After the financial transaction processing unit 1435 processes the money transfer financial transaction from the financial account to a predetermined non-opened online account according to the financial transaction procedure, the information transmission unit 1420 corresponds to the recipient unique information. Characterized in that for generating the online account opening request information.

Here, the online account opening request information includes money transfer information for the non-opened online account including the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee comprises at least one online account request information requesting to open a predetermined payee online account through the online account registration system shown in FIGS. 19 and / or 27.

Thereafter, the information transmitting unit 1420 transmits to the recipient communication means including at least one of a recipient's messenger ID, an e-mail address, and a wireless terminal, wherein the recipient communication means information is included in the financial transaction request information. If it is confirmed from the included unique payee information, or if the recipient communication means information is not included in the financial transaction request information, it is preferable that the recipient communication means information is provided separately from the client terminal used by the remitter.

Referring to FIG. 14, after the financial transaction processing unit 1435 processes a money transfer financial transaction from a financial account to a predetermined non-opened online account in accordance with the financial transaction procedure, the financial transaction server 1400 is a diagram of FIG. 19. And / or an information checking unit 1445 for confirming whether a payee online account matching the payee unique information is opened in connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIG. ), And upon confirmation of opening of a payee online account matching the payee unique information, transfer the transfer amount pre-transferred to the unpaid virtual account to the payee online account through the money transfer authentication information (or payee unique information). It is characterized in that it comprises a payee authentication unit (1450) for authenticating the thing, and in the money transfer by the payee authentication unit (1450) When it is authenticated that the deposit amount transferred to the payee online account is deposited, the financial transaction processing unit 1435 is withdrawn from the remitter's financial account in accordance with the financial transaction procedure and is prepaid to the unpaid virtual account. Process a financial transaction to deposit money by finally transferring the amount to the payee online account, or convert the unpaid virtual account into the payee online account, and transfer the transfer amount prepaid to the unpaid virtual account to the payee online. When the deposit is made by the final transfer to the account, or when the unpaid virtual account is converted into the payee online account, the information transmitter 1420 generates money transfer history information for the unopened online account (or payee online account). The remitter communication means (e.g., the messenger ID, e-mail address, wireless To the transfer of a horse with the sender communication device) including at least one or more features.

In addition, the information check unit 1445 reads the information on the period of money transfer included in the money transfer history, characterized in that to check whether the payment period for the non-opened online account (or payee online account) has elapsed. And, when the transfer of funds for the unopened online account (or the payee online account) has passed, the financial transaction processing unit 1435 is withdrawn from the remitter's financial account according to the financial transaction procedure and the unpaid virtual account. A financial transaction for refunding the transfer amount pre-transferred to the remitter's financial account, wherein the money is withdrawn from the remitter's financial account and prepaid to the unpaid virtual account is returned to the remitter's financial account. During transaction processing, the information transmitting unit 1420 may open the open online account (or payee online account). To produce a money transfer error information, it characterized in that the transmission means to the sender communication (for example, IM ID, email address, mobile terminal of the sender the sender communication means comprising at least one).

The information checking unit 1445 registers the online account in the online account registration process in connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIGS. 19 and / or 27. Customer information (e.g., customer name and social security number, web server 1065 member information, or messenger information, e-mail address information, or wireless terminal information) included in the online account application information provided from the customer and the storage medium ( By comparing the payee unique information (e.g., payee name and social security number, web server 1065 member information, or messenger information, or e-mail address information, or wireless terminal information) included in the money transfer history stored in 1455, It is characterized by checking whether a payee online account matching the payee unique information is opened.

When it is confirmed by the information checking unit 1445 that a payee online account matching the payee unique information is opened, the payee authentication unit 1450 transfers the transfer amount prepaid to the unpaid virtual account to the payee online account. It is characterized by authenticating that the transfer by transfer.

According to the implementation method of the present invention, when it is confirmed by the information confirming unit 1445 that a payee online account matching the payee unique information is opened, the payee authenticating unit 1450 is shown in FIG. 19 and / or FIG. 27. In connection with the web server 1065 (or the information processing server 1070) on the online account registration system shown in the request to the customer terminal of the recipient to input the predetermined funds transfer authentication information (or recipient unique information), Receives the money transfer authentication information (or payee unique information) from the customer terminal of the payee in association with the financial company server, the received money transfer authentication information (or payee unique information) and the funds stored in the storage medium (1455) By comparing the transfer authentication information (or payee specific information), the transfer amount prepaid to the unpaid virtual account is transferred to the payee online account. It is desirable to authenticate the deposit.

If it is authenticated by the beneficiary certification unit 1450 to deposit and deposit the transfer amount included in the money transfer details into the beneficiary online account, the financial transaction processing unit 1435 performs the storage medium according to the financial transaction procedure. It is characterized in that the financial transaction withdrawal from the remitter's financial account included in the money transfer history stored in the 1455 and the final transfer of the transfer amount to the unpaid virtual account to the beneficiary online account to process the financial transaction. .

According to the exemplary embodiment of the present invention, the financial transaction processing unit 1435 transfers the transfer amount withdrawn from the remitter financial account based on the money transfer history stored in the storage medium 1455 and prepaid to the unpaid virtual account. Process a financial transaction for final deposit and deposit to a payee online account, and generate a deposit transaction history for finally depositing and depositing a transfer amount withdrawn from the sender's financial account and prepaid to the unpaid virtual account to the payee online account. It is desirable to store in the recipient's financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1420 generates money transfer history information including a deposit transaction history of depositing money by transferring the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the payee online account. And transmitting the generated money transfer history information to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

In addition, the information checking unit 1445 compares and reads the money transfer period information included in the money transfer history with the current date and time information checked through a predetermined timer (not shown), and withdraws from the remitter's financial account and fails to pay. It is characterized by checking whether the period for transferring the transfer amount prepaid to the virtual account to an unopened online account (or payee online account) has elapsed.

As a result of the checking, when the period of transfer of funds for the unopened online account (or the payee online account) has passed, the financial transaction processing unit 1435 is withdrawn from the remitter's financial account according to the financial transaction procedure and is transferred to the unpaid virtual account. Process a financial transaction for refunding the prepaid transfer amount to the remitter's financial account, and generate a refund history for repaying the amount corresponding to the transfer amount refund processed by the financial transaction processing unit 1435 to the remitter's financial account. It is preferable to store the remitter in the financial account ledger provided on the financial system.

Thereafter, the information transmitting unit 1420 generates money refund history information including a refund of money, which is withdrawn from the remitter's financial account and refunds the transfer amount prepaid to the unpaid virtual account to the remitter's financial account, The generated money refund history information may be transmitted to the remitter communication means (for example, the remitter communication means including at least one of a remitter's messenger ID, an e-mail address, and a wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or receiving the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter, the money transfer It is desirable to save it in conjunction with the details.

15 illustrates a ledger configuration corresponding to a remitter financial account provided in a financial system for a non-face-to-face financial transaction for transfer of funds from a financial account to an unopened online account through an unpaid virtual account in accordance with an embodiment of the present invention. One drawing.

More specifically, FIG. 15 corresponds to the remitter financial account opened through the financial account opening system shown in FIGS. 1 and / or 6 to the ledger D / B provided in the DBMS on the financial system shown in FIG. A method of implementing a ledger configuration including an unpaid virtual account opened by using an account ledger as a parent account, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. It would be possible to infer various implementation methods for the construction of a ledger corresponding to the remitter financial account provided in the financial system for the transfer of funds from the financial account to a predetermined open account. It includes a method, and is not limited to the embodiment method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 15, and when the financial system is provided with a predetermined financial account for managing at least one or more of the virtual accounts, Various implementation methods for a ledger configuration including an unpaid virtual account opened with a financial account as a parent account may be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to Figure 15 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and at least one 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, is provided in the DBMS on the financial system. The ledger D / B has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and you will be familiar with the specific technical details. It will be omitted for convenience.

The customer ledger includes customer information corresponding to the remitter's financial account for transfer of funds from the financial account to a predetermined non-opened online account, and includes a customer information file (CIF) number, a country code, a contact ID, a branch number. , Customer Classification, Customer Name, Customer Address, Area Classification Code, Phone Number, Business Number, Trade Name, Classification Code, Expiry Date, Status Head Office Information, Settlement Date, Cash Date, Last Name, Name, Social Security Number, Company Address, Company Phone Number , Postal address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

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

The ledger is a ledger corresponding to the remitter financial account for the transfer of funds from the financial account to a predetermined open online account, which is linked in relation to the customer ledger, 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, time extension, time extension, ARS setting, final deposit date, last withdrawal date, final It includes at least one deposit amount, the final withdrawal amount, the number of unpaid transactions, interest rate accounting, consolidation, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation. Periodic reception information including at least one or more of an account number, abstention (months), period (days), period extension, expiration date and target amount, and / or account number corresponding to the account ledger, consignment Trust reception information including at least one amount, par value, pension date and number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, other ticket, It includes transaction history information including at least one of a batch number (Batch No.), a compound transaction, a date of settlement, a bank account line, a summary, and a CIF.

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

The virtual account ledger is the account ledger as a mother account, the virtual account ledger information configuration is similar to the account ledger information configuration, and further comprises a mother account information for linking the unpaid virtual account with the mother account.

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

16 illustrates a financial transaction for transferring funds from a financial account to a predetermined unopened online account in a non-face-to-face manner for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to an embodiment of the present invention. A diagram illustrating a process of doing so.

In more detail, FIG. 16 illustrates a case in which the financial transaction server 1400 on the financial transaction system illustrated in FIG. 14 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1400 and connecting the communication channel for the financial transaction, the financial account information, the transfer amount information, the transaction authentication information and the remitter financial account information to the financial transaction server 1400 through the communication channel; When the financial transaction request information including the recipient unique information and the money transfer authentication information is transmitted, the remitter financial account information, the transfer amount information, and the transaction authentication information included in the received financial transaction request information are transmitted from the financial transaction server 1400. And the recipient's unique information and funds transfer verification information from the financial account to a predetermined open online account. The present invention relates to a method for providing a financial transaction for gold transfer, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16 to provide a predetermined method in a financial account in the non-face-to-face manner. Various implementation methods may be inferred for the process of processing financial transactions for transfer of funds to an unopened online account, but the present invention includes all implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the financial transaction server 1400 shown in FIG. 14 is referred to as "server" for convenience.

Referring to Figure 16, the terminal shown in Figure 14 is a predetermined network means (e.g., if the terminal is a wired terminal, a TCP / IP based wired communication network, if the terminal is a wireless terminal, a CDMA based mobile communication network, and / Or HSDPA-based wireless communication network, and / or the IEEE 802.16x-based portable Internet, etc.) when accessing the server to request a financial transaction for the transfer of funds from the financial account to a predetermined open online account (1600), In response, the server requests a financial transaction including at least one remitter financial account information, a transfer amount information, transaction authentication information, a payee-specific information, and a money transfer authentication information for transferring funds from the financial account to a predetermined non-opened online account. Generating (or extracting) a webpage including a user interface for inputting (or selecting) information and transmitting the information to the terminal through the communication channel; And it transmits the output 1605.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1610). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the user interface (1615), The terminal transmits the input (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information and the funds transfer authentication information to the server through the communication channel (1620), the communication in the terminal The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the channel may be input (or selected) through the user interface. By digitally signing and / or encrypting financial transaction request information through a security module (not shown) provided in the terminal It is preferable to further comprise transmitting to the server.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. Customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account, etc.), financial institution information (for example, bank name, or bank code) according to the intention of the skilled person; At least one or more branch information (eg, branch code) and contact information (eg, name of a person in charge of opening and in charge of the remitter's financial account and a person in charge) may be further included.

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or the password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for transfer of funds from the financial account to a predetermined non-opened online account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one or more security code information provided on the security card provided to the customer during the account opening process, and / or further includes an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened online account through the non-face-to-face channel, the transaction authentication information is the financial transaction Authorized certificate information included in the terminal 1060 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1060), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. desirable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable that the registered online account serves as a secret key (or symmetric key) for the transfer of funds to the non-opened online account by checking whether the registered unique personal information matches.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the communication channel. Checking the validity of the request information (1625), and confirming the validity of the financial transaction request information, the electronic signature and / or encryption through the security module (not shown) the financial transaction request information is provided in the terminal In this case, the financial transaction request information may be decrypted, and / or the financial transaction request information may be further included.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. A security code corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter's financial account; It is preferable to include checking whether the information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1060, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one or more financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1630), the server generates a money transfer history including predetermined fund transfer error information corresponding to the validity error information (1635), and establishes the financial network. The financial transaction result information including the money transfer history is transmitted to the terminal and output (1640).

On the other hand, if the validity of the financial transaction request information is authenticated (1630), the server opens a predetermined unpaid virtual account to which the transfer amount is prepaid in connection with a financial system equipped with an account ledger corresponding to the remitter financial account. In operation 1745, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. The withdrawal amount is withdrawn and the financial transaction for prepayment to the opened unpaid virtual account is processed (1650).

If a financial transaction for prepaying the transfer amount from the remitter's financial account to the opened unpaid virtual account is processed (1655), the server transfers a fund including a financial transaction result of prepaying the transfer amount to the unpaid virtual account. Generate the details (1660).

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the recipient's unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information. Characterized in that it further comprises an authorization code (or error code) for the financial transaction.

Thereafter, the server associates at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information included in the money transfer history, and stores the storage medium. (1665).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or the financial transaction request information corresponding to the money transfer history), and the recipient unique information corresponding to the open online account. And transfer the funds transfer authentication information for the non-opened online account is stored in the predetermined storage medium 1455.

In addition, the server transmits the financial transaction result information including the money transfer history to the terminal through the financial network (1670), and correspondingly, the terminal prints and outputs a financial transaction receipt including the money transfer history. (1675).

17A and 17B illustrate a method for transferring funds from a financial account to an unopened online account in a non-face-to-face manner for transferring funds from a financial account to an unopened online account through an unpaid virtual account according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction.

In more detail, in FIGS. 17A and 17B, when the financial transaction system illustrated in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network (eg, After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, and the like, the client terminal transmits predetermined financial transaction request information for transferring funds from a financial account to a predetermined open online account. When the financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information is transmitted to a banking server, the financial transaction server 1400 receives the received financial transaction. Remitter financial account information, transfer amount information, transaction authentication information and payee included in the requested information The present invention relates to a method of providing a financial transaction for transfer of funds from a financial account to a predetermined unopened online account by using information and money transfer authentication information, and a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying the drawings 17a and 17b, various methods of inducing a process of processing a financial transaction for transfer of funds from a financial account to a non-opened online account in a non-face-to-face manner other than the Internet banking can be inferred. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, the browser program when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 17A and 17B. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the financial transaction request information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention pertains, Refer to and / or modify an Internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 17A and 17B, based on a predetermined Internet banking program mounted on the client terminal, between the client terminal and the Internet banking server. Financial transactions Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 17a and 17b, a telebanking system And / or in each of the other non-face-to-face banking systems of at least one or more, including at least one of a wireless banking system and / or a TV banking system, each non-banking transaction for processing a financial transaction for transfer of funds from the financial account to a predetermined open online account. Although it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to a face-to-face channel, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the proposed non-face-to-face channel banking system. It includes all kinds of non-face-to-face channel-based financial transactions, including the technical configuration of the present invention Limited to the case of the Internet banking illustrated in figure 17a and figure 17b is never.

Hereinafter, in FIG. 17A and FIG. 17B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1400 is referred to as a "server" for convenience.

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests version information and / or last update date information from the internet banking program, thereby providing the Internet banking program (and / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering financial transaction request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and is provided to the server for registering financial transaction request information in the terminal. Attach certain electronic signatures to information (or data) and / or at least one or more Encrypting the data using an encryption method (and / or an encryption algorithm), and verifying the digital signature at the server and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), where the Internet banking-based The financial transaction channel means that the server transmits financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information from the terminal to the server. It refers to a communication channel capable of processing the internet banking-based financial transactions.

Thereafter, the terminal requests an internet banking-based financial transaction for money transfer from the financial account to a predetermined non-opened online account to the server through the financial transaction channel (1700b), and in response, the server requests the financial account. Inputs (or selects) financial transaction request information including at least one sender's financial account information, transfer amount information, transaction authentication information, payee unique information, and funds transfer authentication information for transferring funds to a predetermined unopened online account. A web page including a user interface is generated (or extracted), transmitted to the terminal through the financial transaction channel, and output (1705b).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the procedure of providing the user interface and transmitting and receiving the financial transaction request information, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1710b). ).

If the terminal receives (or selects) financial transaction request information including the remitter financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information through the user interface (1715b), The terminal transmits the remitter's financial account information, the transfer amount information, the transaction authentication information, the payee unique information, and the money transfer authentication information to the server through the financial transaction channel (1720b). The transfer (or selection) of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel is input (or selected) through the user interface. The electronic signature and / or the financial transaction request information through the security module (not shown) provided in the terminal Preferably, the method further comprises encrypting and transmitting the encrypted data to the server.

Here, the remitter financial account information includes an account number (or financial account alias, etc.) for the financial account of the customer's name opened through the financial account opening system shown in FIGS. 1 and / or 6. According to the intention of the person skilled in the art, the customer information (for example, the name of the account holder, or the CIF (Customer Information File) number of the customer corresponding to the remitter's financial account), the financial institution information (for example, the bank name, or the bank code) It may further include at least one branch information (eg, branch code), contact information (eg, name of the person in charge of opening and in charge of the remitter financial account, contact code, etc.).

The transfer amount information includes a financial transaction amount withdrawn (or transferred) from the remitter's financial account for the transfer of funds from the financial account to a predetermined open online account, wherein the transfer amount is the remitter's finance. It is characterized by not exceeding the balance deposited in the account.

The transaction authentication information is valid for at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the transfer of funds from the financial account to a predetermined open online account. Information to secure the, characterized in that it comprises at least one password corresponding to the remitter financial account, or a password corresponding to the financial transaction.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for transfer of funds from the financial account to a predetermined non-opened online account is made through a non-face-to-face channel, the transaction authentication information is the remitter financial Further comprising at least one security code information provided in the security card provided to the customer during the account opening process, and / or further comprising an OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to make.

In addition, the financial transaction system shown in Figure 14, characterized in that the financial transaction for the transfer of funds from the financial account to a predetermined non-opened online account through the non-face-to-face channel, the transaction authentication information is the financial transaction Authorized certificate information included in the terminal 1060 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1060), or at least one or more contained in the authorized certificate Preferably, the method further comprises encrypting the financial transaction request information based on an encryption key or attaching the electronic signature of the customer to the financial transaction request information.

The payee unique information is information for identifying (or identifying) the payee of the non-opened online account, and preferably includes resident registration information (for example, name and resident registration number) for the payee. The web server 1065 affiliated with the financial institution includes at least one of member information (eg, member ID information), messenger information (eg, messenger name and messenger ID information), e-mail address information, and wireless terminal information. desirable.

The money transfer authentication information for the unopened online account may be withdrawn from the remitter's financial account after the beneficiary opens a new beneficiary online account through the online account registration system shown in FIGS. 19 and / or 27. As authentication information for receiving money by transferring money, it is preferable to include the money transfer password information set by the remitter or to include at least one or more of the payee unique information.

For example, in the case where the money transfer authentication information for the non-opened online account includes the money transfer password information set by the remitter, the money transfer password may be registered by the payee in the online account shown in FIGS. 19 and / or 27. It is preferably provided to the payee prior to registering a given payee online account through the system, and preferably serves as a secret key (or symmetric key) for the transfer of funds to the open account.

Alternatively, when the funds transfer authentication information for the non-opened online account includes at least one or more of the payee unique information, a predetermined online account is registered through the online account registration system shown in FIGS. 19 and / or 27. In this process, it is preferable that the registered online account serves as a secret key (or symmetric key) for the transfer of funds to the non-opened online account by checking whether the registered unique personal information matches.

The money transfer period information, after the transfer amount is pre-transmitted from the remitter's financial account to a predetermined unpaid virtual account, the final amount is transferred to the payee online account that matches the payee unique information, or the It is preferable to include limit period information for converting an unpaid virtual account into the payee online account, and a payee online account matching the payee unique information is not newly registered until the money transfer period information passes, or the If the prepaid transfer amount from the unpaid virtual account is not transferred due to the final transfer to the payee online account (e.g., through the money transfer authentication information until the money transfer period has elapsed), Is not verified), the transfer amount will be It is preferable that the group rebate to the remitter financial accounts.

Thereafter, the server receives and reads the financial transaction request information including at least one of the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information through the financial transaction channel. Confirming the validity of the transaction request information (1725b), and confirming the validity of the financial transaction request information, the electronic signature and / or through the security module (not shown) provided with the financial transaction request information in the terminal; If encrypted, preferably further comprising decrypting the financial transaction request information, and / or decrypting the financial transaction request information.

According to an embodiment of the present invention, the validity of the financial transaction request information may be determined by an account ledger (or an account ledger for a financial account corresponding to the remitter financial account information included in the financial transaction request information in the ledger D / B on the financial system). And checking whether the customer ledger corresponding to the remitter's financial account is provided, and when the account ledger (or the customer ledger corresponding to the remitter's financial account) is provided, It is desirable that the validity be authenticated.

In addition, the validity check of the financial transaction request information is the amount deposited in the remitter financial account (for example, the account ledger provided in the ledger D / B on the financial system corresponding to the remitter financial account) is the financial transaction request information. It is preferable to include whether the amount is greater than the transfer amount included in, and if the balance of the remitter financial account is more than the transfer amount, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, the validity check of the financial transaction request information is based on the account ledger provided in the ledger D / B on the financial system in response to various passwords corresponding to the transaction authentication information included in the financial transaction request information and the remitter financial account. And comparing the various passwords corresponding to the transaction authentication information with each other, and comparing the various passwords corresponding to the transaction authentication information. It is desirable that the validity of the request information be authenticated.

In addition, in the non-face-to-face financial transaction system shown in FIG. 14, when the transaction authentication information further includes predetermined security code information, the validity check of the financial transaction request information is performed by the security code information. A security code corresponding to the transaction authentication information, in comparison with the security code information corresponding to the security card included in (or linked to) the account ledger provided in the ledger D / B on the financial system in response to the remitter's financial account; It is preferable to include checking whether the information is matched, and if the security code information corresponding to the transaction authentication information is matched, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, when the transaction authentication information further includes a predetermined OTP code, the validity of the financial transaction request information is determined by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the transaction authentication information is the OTP authentication code It is preferable to include whether the match is made, and when the OTP code corresponding to the transaction authentication information is matched with the OTP authentication code, it is preferable that the validity of the financial transaction request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the financial transaction request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1060, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), validity verification of the financial transaction request information decrypts the encrypted financial transaction request information (or at least one financial transaction information included in the financial transaction request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the financial transaction request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 14, the electronic signature of the customer through a predetermined private key (eg, an encryption key included in an authorized certificate issued to the customer) in the financial transaction request information. In this case, the validity check of the financial transaction request information confirms the electronic signature of the customer with respect to the financial transaction request information (or at least one financial transaction information included in the financial transaction request information) to which the electronic signature is attached. It is preferable to include, and, when the electronic signature of the customer is confirmed, it is preferable that the validity of the financial transaction request information is authenticated.

If the validity of the financial transaction request information is not authenticated (1730b), the server generates a fund transfer history including predetermined fund transfer error information corresponding to the validity error information (1735b), and establishes the financial network. The financial transaction result information including the money transfer history is transmitted and output to the terminal (1740b).

On the other hand, if the validity of the financial transaction request information is authenticated (1730b), the server opens a predetermined unpaid virtual account to which the transfer amount will be prepaid in connection with a financial system equipped with an account ledger corresponding to the remitter's financial account. In operation 1745b, the remittance is transferred from the financial account based on the remitter financial account information, the transfer amount information, the transaction authentication information, the recipient unique information, and the money transfer authentication information included in the financial transaction request information in connection with the financial system. The withdrawal amount is withdrawn and the financial transaction of prepaying the unpaid virtual account opened is processed (1750b).

If the financial transaction for prepaying the transfer amount from the remitter's financial account to the opened unpaid virtual account is processed (1755b), the server includes a financial transaction result of prepaying the transfer amount to the unpaid virtual account. Generate a transfer history (1760b).

Here, the details of the money transfer include at least one of the remitter's financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information. Characterized in that it further comprises an authorization code (or error code) for the financial transaction.

Thereafter, the server associates at least one of the remitter financial account information, the transfer amount information, the payee unique information, the money transfer authentication information, the money transfer period information, and the unpaid virtual account information included in the money transfer history, and stores the storage medium. (1765b).

According to an embodiment of the present invention, remitter financial account information and transfer amount information included in the money transfer history (or the financial transaction request information corresponding to the money transfer history), and the recipient unique information corresponding to the open online account. And transfer the funds transfer authentication information for the non-opened online account is stored in the predetermined storage medium 1455.

In addition, the server transmits the financial transaction result information including the fund transfer history to the terminal through the financial network (1770b), and correspondingly, the terminal prints and outputs a financial transaction receipt including the fund transfer history. (1775b).

18 illustrates a process of depositing a transfer amount withdrawn from a remitter's financial account for transfer of funds to a non-opened online account through an unpaid virtual account according to an embodiment of the present invention and transferring it to a payee online account. Figure is shown.

In more detail, FIG. 18 illustrates a process of withdrawing the transfer amount from the remitter financial account shown in FIGS. 16 and / or 17 and prepaying the unpaid virtual account to the remitter to the storage medium 1455. A non-opened online account including at least one financial account information, transfer amount information, payee specific information corresponding to the unopened online account, funds transfer authentication information and funds transfer period information for the unopened online account. After the transfer of funds is stored, the financial transaction server 1400 is linked to the web server 1065 (or the information processing server 1070) shown in FIGS. 19 and / or 27 to the open online account. The transfer amount withdrawn from the remitter's financial account based on the money transfer history and prepaid to the unpaid virtual account is added to the open account. Regarding the process of depositing and depositing a corresponding payee online account, those skilled in the art may refer to and / or modify the drawing 18 to transfer funds to the open online account. In order to infer various payment methods for the process of depositing the transfer amount withdrawn from the sender's financial account and prepaid to the unpaid virtual account to the payee online account, the present invention includes all the inferred implementation methods The technical features are not limited only to the implementation method shown in FIG. 18.

Hereinafter, in FIG. 18, the financial transaction server 1400 on the financial transaction system shown in FIG. 14 is referred to as a "server" for convenience.

Referring to FIG. 18, a process of withdrawing the transfer amount from the remitter financial account illustrated in FIGS. 16 and / or 17 and pre-transferring the unpaid virtual account to the storage medium 1455 may be used. Regarding the unopened online account, which includes at least one account information, transfer amount information, payee-specific information corresponding to the unopened online account, funds transfer authentication information, and money transfer period information for the unopened online account. When the money transfer history is stored, the server generates predetermined online account opening request information corresponding to the payee unique information, and the generated online account opening request information includes at least the messenger ID, the e-mail address, and the wireless terminal of the payee. It transmits to the recipient communication means including one or more (1800).

Here, the online account opening request information includes money transfer information for the non-opened online account including the transfer of funds from the remitter financial account to the payee corresponding to the payee unique information. Preferably, the payee comprises at least one online account request information requesting to open a predetermined payee online account through the online account registration system shown in FIGS. 19 and / or 27.

In addition, the recipient communication means information is confirmed from the payee unique information included in the funds transfer history for the non-opened online account, or if the beneficiary communication means information is not included in the financial transaction request information, Preferably, the recipient communication means information is provided separately.

Thereafter, the server checks whether at least one new online account is registered in connection with the web server 1065 (or the information processing server 1070) shown in FIGS. 19 and / or 27 (1805).

If it is confirmed that at least one new online account is registered (1810), the server checks whether the new online account is opened with the payee online account through the payee unique information stored in the storage medium 1455 (1815). .

According to the method of the present invention, the server is connected to the web server 1065 (or the information processing server 1070) on the online account registration system shown in FIGS. Customer information (e.g., customer name and social security number, web server 1065 member information, or messenger information, e-mail address information, or wireless terminal information) included in the online account application information provided from the online account registration customer; Recipient unique information (e.g., payee name and social security number, web server 1065 member information, or messenger information, or e-mail address information included in the funds transfer history for the unopened online account stored in the storage medium 1455, or By comparing the wireless terminal information, etc.), it is desirable to check whether a payee online account matching the payee unique information is opened. It is.

If it is not confirmed that the beneficiary online account is opened (1820), the server checks with the storage medium 1455 whether the money transfer period for the payee online account has passed (1825).

According to the method of the present invention, the server compares and reads the money transfer period information included in the money transfer history for the unopened online account with the current date and time information checked through a predetermined timer (not shown), and the remitter It is preferable to check whether the period for transferring the transfer amount withdrawn from the financial account and prepaid to the unpaid virtual account to the unopened online account (or payee online account) has passed.

If the check result has not passed the money transfer period (1830), the server repeats the process of checking whether the payee online account is opened until the money transfer period has passed.

On the other hand, if the check transfer period has passed (1830), the server processes the financial transaction to refund the transfer amount for the payee online account to the remitter financial account in connection with the financial system in which the remitter financial account is opened. In operation 1840, predetermined money refund detail information corresponding to the money refund is transmitted to the remitter communication means (1840).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Processes a financial transaction to refund the transfer amount prepaid to the unpaid virtual account to the remitter's financial account, and generates a refund history for repaying the amount corresponding to the transfer amount refund to the remitter's financial account, on the financial system. It is preferable to store the remitter in the financial account provided.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the remitter financial account, and the generated money refund history. And transmit the information to the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is received from the customer ledger corresponding to the remitter financial account, or separately received the remitter communication means information in the process of receiving the financial transaction request information from the client terminal used by the remitter the funds It is desirable to save it in connection with the transfer history.

On the other hand, if it is confirmed that the payee online account is opened (1820), the server is connected to the payee customer terminal in connection with the web server 1065 (or information processing server 1070) shown in FIGS. 19 and / or 27. After requesting predetermined funds transfer authentication information (1845) and receiving the funds transfer authentication information from the payee customer terminal in connection with the web server 1065 (or information processing server 1070) (1850), The validity of the money transfer financial transaction (or the recipient of the money transfer, or the beneficiary of the money transfer) is checked by comparing the received money transfer authentication information with the money transfer authentication information stored in the storage medium 1455 (1855). ).

If the validity of the funds transfer financial transaction (or the recipient of the money transfer, or the online recipient of the money transfer) through the money transfer authentication information is not authenticated (1830), the server determines that the financial system in which the remitter financial account is opened. In step 1835, the financial transaction for repaying the transfer amount of the payee online account to the remitter's financial account is processed in connection with the remitter's communication means, and the predetermined reimbursement information corresponding to the money repayment is transmitted to the remitter communication means (1840). ).

According to the implementation method of the present invention, when the funds transfer period for the unopened online account (or the payee online account) has passed, the server is withdrawn from the remitter financial account in accordance with the financial account operation procedure Process a financial transaction to refund the transfer amount prepaid to the unpaid virtual account to the remitter's financial account, and generate a refund history for repaying the money amount corresponding to the transfer amount to the remitter's financial account to generate It is preferable to store in the remitter of the financial account provided in the.

Thereafter, the server generates money refund history information including a money refund history for remitting the transfer amount withdrawn from the remitter financial account and prepaid to the unpaid virtual account to the remitter financial account, and the generated money refund history. And transmit the information to the remitter communication means (for example, the remitter communication means including at least one of the remitter's messenger ID, mail address, and wireless terminal).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter financial account, or the remitter communication means information in the process of receiving the financial transaction request information for the open account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

On the other hand, when the validity of the money transfer financial transaction (or the recipient of the money transfer, or the beneficiary online account for the money transfer) through the money transfer authentication information is verified (1860), the server determines that the remitter financial account and the payee online account In connection with the established financial system, a deposit financial transaction for transfer of funds to the payee online account is processed (1865).

When the transfer amount is withdrawn from the remitter financial account according to the embodiment of the present invention, the server withdraws from the remitter financial account based on the money transfer history for the unopened online account stored in the storage medium 1455. Process a financial transaction by finally transferring the transfer amount prepaid to the unpaid virtual account to the beneficiary online account, and withdrawing the transfer amount withdrawn from the remitter's financial account and prepaid to the unpaid virtual account. It is preferable to generate a deposit transaction history of the final transfer to the deposit and store it in the recipient's financial account ledger provided on the financial system.

If the deposit financial transaction for the transfer of funds to the payee online account is processed (1870), the server transfers the deposit amount withdrawn from the sender's financial account and prepaid to the unpaid virtual account to the payee online account. Generate money transfer history information including a deposit transaction history, and transfer the generated money transfer history information to the remitter communication means (for example, remitter communication means including at least one of the remitter's messenger ID, e-mail address, and wireless terminal); (1875).

Here, the remitter communication means information is confirmed from the customer ledger corresponding to the remitter financial account, or the remitter communication means information in the process of receiving the financial transaction request information for the open account from the client terminal used by the remitter It is desirable to be provided separately and stored in connection with the transfer details.

19 is a diagram illustrating an online account registration system for final transfer of a transfer amount prepaid to an unpaid virtual account into a new online account according to one embodiment of the present invention.

More specifically, Fig. 19 shows predetermined customer information matching with the payee unique information to open an online account from a predetermined customer terminal 1940 to a predetermined web server 1065 through a predetermined network means. When providing the online account application information including a, by providing the online account application information provided from the customer terminal 1940 in the web server 1065 to a predetermined information processing server 1070 provided in a predetermined financial institution, The system is configured to open an online account corresponding to the online account application information in the information processing server 1070. Specifically, the online account is operated by a predetermined web server 1065 operating institution (or financial institution). FIG. 1 shows a system configuration for opening an online account in the form of a virtual account having a real account as the parent account.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 19 to form a virtual account whose parent account is the real account operated by the web server 1065 operating institution (or financial institution). Although it is possible to infer an implementation method for a system for registering various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to an embodiment of a system for registering an online account in the form of a pseudonym account in which the prepaid card concept is introduced by referring to and / or modifying the drawing 19. It 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. 19 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by the web server 1065 operating institution (or financial institution) as a parent account By accessing a predetermined web server 1065 (e.g., a portal server, etc.) through a predetermined network means, real name verification (e.g., laws and concurrent laws on financial real-name trading and confidentiality (Presidential Decree No. 15744) Customer terminal (1) requesting the registration of the online account (or opening) without providing a real name of the financial account) and providing predetermined online account application information corresponding to the registration (or opening) of the online account to the web server 1065. 1940 and the customer terminal 1940 are connected through a predetermined network means to receive predetermined online account application information from the customer terminal 1940 and receive the received online. A web server 1065 that provides left application information to an information processing server 1070 provided at a predetermined financial institution, and is connected to the web server 1065 through a predetermined communication means, and the web server 1065 is connected to the web server 1065. An information processing server 1070 that receives online account application information and processes and opens an online account corresponding to the online account application information in the name of the customer based on the received online account application information; It has a financial system that manages online accounts processed with rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking) provided in at least one or more external communication networks. , Telebanking, TV banking, etc.) to access the financial system, and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, 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), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

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

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the web through at least one customer terminal 1940 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. The server 1065 is connected to and provided with various application services provided by the web server 1065.

Here, the wired terminal connected to the wired communication network among the customer terminals 1940 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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 data. It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

The web server 1065 is a search service including at least one information / content to the customer terminal 1940 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, the web server 1065 provides at least one or more information services provided to the customer terminal 1940 by the financial institution to sell to at least one or more customers online (or request a new establishment). And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

The web server 1065 may also include at least one user interface for the customer to apply (or purchase) the financial instrument (eg, the online account) via a network means including the wired and / or wireless communication network. To the customer terminal 1940, wherein the customer terminal 1940 inputs (or selects) the predetermined online account application information through the user interface to establish the wired network and / or wireless communication network. It is characterized in that for transmitting to the web server 1065 via a network means including.

To this end, the client terminal 1940 outputs at least one user interface provided from the web server 1065, and inputs and / or selects at least one online account application information through the user interface to the web server. A function configuration (for example, a browser program and communication function, or a predetermined communication program and communication function for communicating with the web server 1065, etc.) for transmitting to 1065 is preferably provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 1065 as described above, and input at least one online account application information through the user interface. And / or feature of the customer terminal 1940 corresponding to at least one or more wired terminals and / or wireless terminals that are selectively transmitted to the web server 1065, so a detailed description thereof is provided for convenience. Omit.

According to an embodiment of the present invention, the web server 1065 is characterized by including an interface unit 1905 for connecting and managing a predetermined communication channel with the customer terminal 1940 through the network means.

According to an embodiment of the present invention, when the customer terminal 1940 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 1905 may include the wired network and / Or at least one or more information by connecting a predetermined communication channel with the customer terminal 1940 based on a protocol stack defined in a wireless network, and using a communication protocol defined in a communication program included in the customer terminal 1940. 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 1940, the interface unit 1905 may be connected to the client terminal 1940 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 1940 is provided with the communication program provided by the web server 1065, the interface unit 1905 establishes a communication channel with the customer terminal 1940 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 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 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 a terminal 1940 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1940. Do.

For example, when the client terminal 1940 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1905 is based on the CDMA protocol. (1940) and a communication channel, and using the WAP / ME protocol defined in the browser program to transmit and receive web pages (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible web page) and / or information Provides a communication interface for

Referring to FIG. 19, the web server 1065 is connected to the interface unit 1905 when a predetermined client terminal 1940 accesses the web server 1065 and / or applies for an online account through the interface unit 1905. In conjunction with the user interface 1940 to generate (or extract) a predetermined user interface for inputting (or selecting) predetermined online account application information (or extracting from a predetermined web source D / B). An interface account 1910 provided to the customer terminal 1940 and a predetermined online account that is input (or selected) and transmitted from the customer terminal 1940 through the user interface in association with the interface unit 1905. An information receiving unit 1920 for receiving application information and an information relay unit 1930 for providing the received online account application information to an information processing server 1070 provided in a financial institution through a predetermined communication means. And it characterized in that formed.

In addition, the web server 1065 may be connected to the interface unit 1905 to at least one or more customer terminals 1940, including a search service including at least one or more information / content, and / or a personalized homepage / blog. And a web service unit 1915 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 1065 provides the web-based service to at least one customer terminal 1940 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 1065 stores information for storing the received online account application information in a predetermined storage medium 1935 for the post management of the online account application information received through the information receiver 1920. It is preferable that the part 1925 is further provided.

The interface providing unit 1910 has a function provided to the customer terminal 1940 when a predetermined customer terminal 1940 accesses the web server 1065 and / or applies for an online account through the interface unit 1905. Corresponding to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 1065 via the network means, and / or from a predetermined database (not shown). Extracting and providing the user interface 1940 generated through the network means (or extracted from a predetermined web source D / B (not shown)) in cooperation with the interface unit 1905 through the network means. It is done.

Thereafter, the customer terminal 1940 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information through the network means to the web server ( 1065).

According to an embodiment of the present invention, when the customer terminal 1940 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1910 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B (not shown) through the interface unit 1905. It is preferable to provide the user interface (extracted from) to the customer terminal (1940).

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 may provide a browser program and / or communication provided in the wireless terminal. A predetermined user interface that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (not shown) is provided through the interface unit 1905. It is preferable to provide the user interface (extracted from)) to the customer terminal 1940.

According to an embodiment of the present invention, a user interface for inputting (or selecting) predetermined online account application information from the customer terminal 1940 in the web server 1065 may include at least one online account product (or financial). Commodity) and an interface for selecting at least one online account commodity (or financial instrument) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 1940 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal (1940), and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, a user interface for receiving (or selecting) the online account application information outputs the terms and conditions information corresponding to the online account product to the customer terminal 1940, and the customer agrees to the terms and conditions. It is preferable to comprise a.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined financial account information (for example, original account information for depositing a predetermined amount of money into an online account) deposited into an account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) included in the web server 1065. desirable.

Thereafter, the customer terminal 1940 selects at least one online account product to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product selection information, and the online account product. The terms and conditions agreement information, the online account deposit amount information, and customer information (eg, customer name and social security number, or web server 1065 member information, messenger information, or e-mail address information) for the online account applicant. Or (or select) online account application information including at least one of wireless terminal information and the like, and transmit the information to the web server 1065 through the network means.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. The method may further include an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 1940, the client terminal 1940 may input (or select) online account security information through the interface. After that, the input (or selected) online account security information is transmitted to the web server 1065 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1065 transmits the message.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 1940 the provisions of the provisions of new provisions and the provision of new provisions (for example, a period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) indicating that the processing is performed; Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable that the interface further comprises.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1940 is provided, the customer terminal 1940 is connected to the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), and transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 1065 through the network means, or Or further include the provisional processing agreement information (or provisional application information) in the online account application information and transmit it to the web server 1065 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 1065 operating institution (or financial institution). Mother account operating institution information including at least one web server 1065 operating institution (or financial institution) to open a virtual account in which a parent account is used as a parent account, and a real account operating in the mother account operating institution. Preferably, the method further includes an interface for inputting (or selecting) virtual account processing information including the parent account information corresponding to.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 1940, the customer terminal 1940 may provide the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 1065 through the network means, or add the virtual account processing information to the online account application information. And transmit to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And an interface for outputting financial transaction application terms and conditions information for processing an initial financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms. In case of a financial transaction customer of the financial institution, the interface may be omitted. Alternatively, or according to the intention of the skilled person, the interface may be included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 inputs (or selects) the financial transaction application information through the interface, and then Transfer the inputted (or selected) financial transaction application information to the web server 1065 via the network means, or further include the financial transaction application information (not shown) in the online account application information. In this figure 19, the financial transaction application information is illustrated as being included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. do.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If not a banking member, a wireless banking member, a TV banking member, a home banking member, etc.), a user interface for inputting (or selecting) the online account application information is connected to the financial institution through the customer terminal 1940. Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 may be configured to provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or to the web server 1065 via the network means, further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. .

When the customer terminal 1940 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 1920 cooperates with the interface unit 1905. And receiving the online account application information, and providing the received online account application information to the information relay unit 1930 and / or the information storage unit 1925.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 1940 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the online terminal security information is transmitted from the customer terminal 1940. When the transmission is included in the online account application information, the information receiver 1920 receives the online account security information in cooperation with the interface unit 1905, and relays the received online account security information to the information. The unit 1930 and / or the information storage unit 1925.

In addition, the client terminal 1940 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the client terminal 1940. In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 1920 interworks with the interface unit 1905 to provide the provisional processing agreement information (or And provisional application information) and provide the received provisional processing agreement information (or provisional application information) to the information relay unit 1930 and / or the information storage unit 1925.

In addition, the client terminal 1940 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 1940. When the virtual account processing information is included in the online account request information and transmitted, the information receiving unit 1920 interworks with the interface unit 1905 to perform the virtual account processing information including the mother account institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 1930 and / or the information storage unit 1925.

In addition, the client terminal 1940 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 1940. When the information is included in the online account application information and transmitted, the information receiver 1920 receives the financial transaction application information in association with the interface unit 1905, and relays the received financial transaction application information to the information relay. The unit 1930 and / or the information storage unit 1925.

In addition, the customer terminal 1940 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is transmitted to the online account application information in operation 1940, the information receiver 1920 cooperates with the interface unit 1905 to transmit the non-face-to-face financial transaction agreement information. And receive the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receive the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 1930 and / or Or to the information storage unit 1925.

The information storage unit 1925 stores the online account application information received through the information receiving unit 1920 in a predetermined storage medium 1935, whereby the web server 1065 (or the web). The server 1065 operating agency) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 1935.

When the online account security information is received through the information receiving unit 1920, the information storage unit 1925 associates the online account security information with the online account request information and stores the information in the storage medium 1935. The online account security information is used to authenticate at least one or more financial transactions using the online account in the web server 1065 (or the financial transaction server using the online account).

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 1920, the information storage unit 1925 may apply the provisional processing agreement information (or provisional application) to the online account application information. Information) and store the information in the storage medium 1935, and the provisional processing agreement information (or provisional application information) is the web server 1065 (or the financial transaction server using the online account). ) Provides a basis for processing at least one or more financial transactions using the online account before verifying the financial real name for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1920, the information storage unit 1925 processes the virtual account processing information in association with the online account application information. And storing the information in the storage medium 1935. The virtual account processing information may be stored in the online account until the financial real name of the online account is confirmed by the web server 1065 (or a financial transaction server using the online account). Provides a basis for processing at least one or more financial transactions using a virtual account based on a real account operated by the web server 1065 operating institution (or financial institution).

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1920, the information storage unit 1925 adds the non-face-to-face financial transaction agreement information to the online account application information ( Alternatively, the non-face-to-face financial transaction application information) may be linked and stored in the storage medium 1935. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 1065 ( Or a financial transaction server using the online account) to provide a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 1925, when the predetermined online account corresponding to the online account application information is opened by the information processing server 1070, the web server (1065) (or the The online account information (not shown) opened by the information processing server 1070 to process the at least one financial transaction using the online account in the storage medium 1935. It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 1930 is configured to store the online account application information received through the information receiving unit 1920 through a predetermined communication means corresponding to the online account product (eg, an online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server (1070) provided in the financial institution (opened).

Here, the communication means for connecting the web server 1065 and the information processing server 1070 may be a dedicated communication network that blocks access by a third party other than the web server 1065 and the information processing server 1070, and / or A secure communication network (eg, the web server 1065) encrypts the online account application information by a predetermined encryption method to provide a secure communication function between the web server 1065 and the information processing server 1070. ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 1070.

When the online account security information is received through the information receiving unit 1920, the information relay unit 1930 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 1070 of the financial institution in which the online account corresponding to the product is opened, whereby the information processing server 1070 transmits the web to the financial system of the financial institution. The server 1065 opens an online account that can process financial transactions through the online account security information.

When the provisional processing agreement information (or provisional new application information) is received through the information receiving unit 1920, the information relay unit 1930 receives the provisional processing agreement information (or provisional application information). And relaying the information to the information processing server 1070 of the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened) through the communication means. The processing server 1070 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 1920, the information relay unit 1930 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 1070 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 1070 allows the customer to apply for the online account. Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 1920, the information relay unit 1930 is the virtual account processing information to the online account through a predetermined communication means Characterized in that the transmission to the information processing server 1070 provided in a financial institution corresponding to the product (for example, an online account corresponding to the online account is opened), whereby the information processing server 1070 is An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the web server 1065 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 1920, the information relay unit 1930 may apply to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 1070 provided in a financial institution corresponding to the online account product (eg, an online account corresponding to the online account product is opened). In this way, the information processing server 1070 opens an online account in the financial system provided in the financial institution in the non-face-to-face processing of the financial transaction using the online account in the web server 1065.

According to another exemplary embodiment of the present invention, when the information processing server 1070 has a web server 1065 function and / or the information processing server 1070 is a predetermined banking server, the information relay unit ( 1930 connects the client terminal 1940 and the information processing server 1070 to relay and connects the online account application information (and / or a new code) from the customer terminal 1940 at the information processing server 1070. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face finance) It is possible to relay directly to provide a predetermined user interface for receiving transaction application information)), whereby the information processing server 1070 is provided from the customer terminal 1940 via predetermined network means. Existing online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- It is possible to directly receive the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, at least one web server 1065 and the information processing server 1070 may be relayed between the web server 1065 and the information processing server 1070, and / or the A predetermined relay server (not shown) for relaying a web server 1065 and at least one information processing server 1070 and / or relaying at least one web server 1065 and at least one information processing server 1070. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 19, the information processing server 1070 is configured to provide online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 1065 via the communication means. And / or an information receiver 1945 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). A new provision opening unit 1950 for opening a new online account corresponding to the online account application information received through the information receiving unit 1945 in association with a predetermined financial system; A virtual account processing unit 1955 for processing an account in the form of a virtual account whose parent account is the real account operated by the web server 1065 operating institution (or financial institution), and an online account of the virtual account type. The real estate management unit 1960, which manages before real name verification for the online account request customer, and the real name of the financial transaction request customer for the online account opened in correspondence with the online account application information within a predetermined real name verification period. When the real name of the real name confirmation unit (1965) and the online account opened as a new provision in response to the online account application information is confirmed, the new online account is processed as a new financial account. It is characterized by comprising a new account processing unit 1970.

The information receiving unit 1945 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 1065 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreements). Information (or non-face-to-face financial transaction application information) is provided to the provisional establishment unit 1950.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 1065 in accordance with one embodiment of the present invention. When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiving unit 1945 displays the encrypted online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)).

The new provision opening unit 1950 may provide the online account application information (and / or new provision processing agreement information (or new application information)), and / or online from the web server 1065 through the information receiving unit 1945. If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information), and through the predetermined financial system, the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and And / or an online account corresponding to financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the new provision opening unit 1950 may be configured to provide the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is in the form of an account ledger corresponding to an online account newly established based on the online account application information. It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Financial Real Name Transaction and Confidentiality Act and Concurrent Decree (Presidential Decree No. 15744).

That is, the new provision opening unit 1950 may provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 1065, and / or the online account security information. And / or external systems provided to the financial system on the basis of financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Alternatively, a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in cooperation with the information system is performed, and the result is provided to the virtual account processor 1955.

If the person skilled in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The virtual account processor 1955 controls a real account for operating the online account (or online account ledger) opened by the provisional opening unit 1950 in the web server 1065 operating institution (or financial institution). It is characterized in that the processing into a virtual account.

According to the embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 1065 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable to be processed in the form of a virtual account whose real account is operated by the web server 1065 operating institution (or financial institution) before checking the real name of the online account. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 1065 operating institution (or financial institution) as the parent account is the web. The server 1065 may include virtual account ledger information (for example, ledger information including an account number conforming to the virtual account numbering system) having a real account operated by an operating institution (or a financial institution), in which case It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

Subsequently, the new provision management unit 1960 manages a real account operated by the web server 1065 operating institution (or a financial institution) until the real name verification for the online account application customer is made through the online account opened as the new provision. It is characterized by operating by processing to a virtual account.

According to the method of the present invention, the provisional management unit 1960 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 1960 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the provisional management unit 1960 operates the interest in the web server 1065 operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 1065 operating institution (or financial institution) as a parent account, the new provision management unit 1960 finances the online account until the real name is verified. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 1965 is the law and concurrent orders on the financial real name system transactions and confidentiality while the online account opened by the new provision opening unit 1950 is managed by the new provision management unit 1960 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 1965 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account requesting customer in the institution), the real name verification unit (1965) is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account 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 online account), the real name verification unit (1965) is a public certificate based on the real name verification process defined in the wireless banking system It is advisable to verify that the real name of the customer applying for the online account is confirmed.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the customer applying for the online account), the real name verification unit 1965 is a 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 online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 1965 is provided in the financial system (or provided in a financial institution) to confirm the real name of the online account requesting customer within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 1965 has a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 1965 checks the real name of the online account application customer within a predetermined real name verification period, the online 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, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 1965 generates the real name verification information for the online account application customer and provides it to the new account processor 1970. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 1965 generates unidentified real name information for the online account request customer to the new account processing unit (1970) To provide.

When real name verification information is provided from the real name verification unit 1965 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 1970 is connected with the financial system. The online account processed by the new provision opening unit 1950 and / or the new provision management unit 1960 as a new provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 1965, the real name confirmation information including the confirmation of the real name for the customer applying for the online account within the real name confirmation period, the new account processing unit (1970) The online account processed by the new provision opening unit 1950 and / or the new regulation management unit 1960 in association with the external and / or information systems provided in the financial system is valid for all financial transactions. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 1970 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 1970 retracts (or re-transfers) the amount deposited in the withdrawal virtual account in connection with the external and / or information systems provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another exemplary embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 1970 is provided with an external system provided in the financial system and / or Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is a valid new financial account capable of all financial transactions. It is processed.

According to the method of the present invention, when the new account processing unit 1970 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 1945 may set the online server opening date in the web server 1065. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or Or a date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or a date when the temporary opening unit 1950 opens the online account on the financial system as a temporary opening. It is desirable to apply retrospectively as of the date.

20 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

In more detail, FIG. 20 illustrates a real account of the web server 1065 operating institution (or financial institution) in account information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 19. It is shown that the online account ledger information is stored in the virtual account ledger according to the virtual account ledger information, and those skilled in the art to which the present invention pertains, refer to and / or modify this figure 20 Inferring various information formation methods for storing the online ledger information according to the virtual account ledger information in the virtual account ledger having the real account of the web server 1065 operating institution (or financial institution) as the parent account in the ledger D / B. As will be appreciated, the present invention includes all implementation methods inferred, and is not limited to the implementation method illustrated in FIG.

20 is not shown for convenience in order not to cause confusion, but the present invention is not limited thereto.

Referring to FIG. 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system may include a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and account ledger shown in FIG. 20, B further includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. All.

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, 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.

According to the embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 1065 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 1065 operating institution (or financial institution) customer ledger information for which the web server 1065 operating institution (or financial institution) as a financial transaction customer is stored, and is shown in FIG. Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account which is a real account of the web server 1065 operating institution (or financial institution).

Here, the web server 1065 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account In the case where a customer ledger of a customer who opens the online account is provided in the ledger D / B as a conventional financial transaction customer of the institution, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 1065 operating institution (or financial institution) is relationally linked with the customer ledger of the web server 1065 operating institution (or financial institution). At least one financial account of the financial account of the web server 1065 operating institution (or financial institution) is stored in the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 19 among the account ledgers of the web server 1065 operating institution (or financial institution) is the virtual account. It is desirable to link relationally with the ledger.

The virtual account ledger is a parent account of a virtual account corresponding to an online account registered through the online account registration system shown in FIG. 19 among at least one financial account corresponding to the web server 1065 operating institution (or financial institution). The account ledger corresponding to the relational relationship, characterized in that the virtual account ledger information comprises an information structure further comprises the mother account number and the mother account management institution information in the basic account ledger information, such as the account ledger. It is characterized by.

That is, as shown in FIG. 20, the online ledger information provided in the virtual ledger also includes an information structure including the mother account number and the mother account management institution information in the basic account ledger information.

Those skilled in the art to which the present invention pertains, based on the basic ledger information configuration, the configuration of the virtual account ledger information associated with the account ledger of the web server 1065 operating institution (or financial institution), and Since it is possible to infer the online account ledger information configuration that follows the virtual account ledger information configuration, a detailed description thereof will be omitted for convenience.

21 is a diagram illustrating the configuration of online ledger information according to another embodiment of the present invention.

In more detail, in FIG. 21, the web server 1065 is operated through predetermined virtual account processing information for a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Information structure for linking a real account of an institution (or a financial institution) in the form of a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the present invention. A variety of information for linking a predetermined online account ledger to the ledger D / B through a virtual account processing information in the form of a virtual account having the parent account of the web server 1065 operating institution (or financial institution) as a parent account 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.

21 is not shown for convenience in order not to cause confusion, but the present invention is not limited thereto.

Referring to FIG. 21 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 includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. 21. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company telephone 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.

According to the embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 1065 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 1065 operating institution (or financial institution) customer ledger information for which the web server 1065 operating institution (or financial institution) as a financial transaction customer is stored, and is shown in FIG. Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account which is a real account of the web server 1065 operating institution (or financial institution).

Here, the web server 1065 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account If a customer's ledger of a customer who opens the online account is already provided in the ledger D / B as a conventional financial transaction customer of the institution, it is preferable that the online ledger customer ledger uses the customer ledger of the customer as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 1065 operating institution (or financial institution) is relationally linked with the customer ledger of the web server 1065 operating institution (or financial institution). At least one of the financial accounts of the web server 1065 operating institution (or financial institution) is transferred to a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 19 among the account ledgers of the web server 1065 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the web server 1065 operating institution (or financial institution). By including as the additional information the mother account number corresponding to the mother account, and the predetermined account information processing information including at least one or more of the mother account operating institution information (for example, Web server 1065 operating institution (or financial institution) information) And processing the online account into a virtual account having a financial account of the web server 1065 operating institution (or a financial institution) as a parent account, wherein the virtual account processing information is represented in the online illustrated in FIG. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 1940 on the account registration system. .

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information may include a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the web server 1065 operating institution (or financial institution) name. It is preferable to include the account number.

The mother account management institution information of the virtual account processing information preferably includes information on the web server 1065 management institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 1065 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

22 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

More specifically, FIG. 22 shows predetermined virtual account processing information as shown in FIG. 21 in a predetermined online account ledger stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. Through the web server 1065 linked to the real account of the operating institution (or financial institution) in the form of a virtual account as a parent account, and further link processing processing for the new bank account information for processing a predetermined hidden account in the online account ledger As shown in the information structure, a person having ordinary knowledge in the technical field to which the present invention pertains can refer to and / or modify this drawing 22 to add a predetermined online account ledger to the ledger D / B. Through a variety of information configuration methods for processing as a new account by linking a real account of the web server (1065) operating institution (or financial institution) as a parent account through Would be chuhal, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 22.

22 is not shown for convenience in order not to cause confusion, but the present invention is not limited thereto.

Referring to FIG. 22 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 includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 22, B further includes at least one ledger (e.g., a loan ledger, a secured ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger opens at least one financial account at the financial institution, and provides customer information corresponding to a customer (eg, an individual customer, a corporate customer, a corporate customer, etc.) processing at least one financial transaction through the financial account. As a ledger to store, CIF (Customer Information File) number, country code, contact person ID, branch number, customer classification, customer name, customer address, area identification code, telephone number, business number, business name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, 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.

According to the embodiment of the present invention, the online account registration in the form of a virtual account linked to a mother account which is a real account of the operating institution (or financial institution) of the web server 1065 is performed through the online account registration system shown in FIG. To the customer ledger, the web server 1065 operating institution (or financial institution) customer ledger information for which the web server 1065 operating institution (or financial institution) as a financial transaction customer is stored, and is shown in FIG. Through the online account registration system, it is preferable to store online account customer ledger information that registers an online account in the form of a virtual account associated with a parent account which is a real account of the web server 1065 operating institution (or financial institution).

Here, the web server 1065 management institution (or financial institution) customer ledger information and the online account customer ledger information preferably satisfies the configuration of the customer ledger information as described above, wherein the customer who opens the online account As a conventional financial transaction customer of the institution, when the ledger D / B is provided with a customer ledger of a customer who opens the online account, the online account customer ledger preferably uses the customer ledger of the customer as it is.

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.

The account ledger is linked to the customer ledger in a relational manner, and the account ledger information is account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, and / or trust reception information including at least one of an account number corresponding to the account ledger, a deposit amount, a par value, a pension date, and the number of shares, and / or the At least one of the account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number (Batch No.), compound transaction, date of payment, bank account line, summary, CIF, etc. The transaction history information is included.

According to an embodiment of the present invention, at least one financial account corresponding to the web server 1065 operating institution (or financial institution) is relationally linked with the customer ledger of the web server 1065 operating institution (or financial institution). At least one of the financial accounts of the web server 1065 operating institution (or financial institution) is transferred to a mother account for processing an online account registered as a virtual account through the online account registration system shown in FIG. It is preferable to correspond.

Here, the account ledger corresponding to the parent account of the virtual account corresponding to the online account registered through the online account registration system shown in FIG. 19 among the account ledgers of the web server 1065 operating institution (or financial institution) is the virtual account. It is desirable to be associated with the online ledger processed by the account.

The online account ledger is configured to include basic account ledger information such as the account ledger, and processes the online account as a virtual account among the online account number and the financial account of the web server 1065 operating institution (or financial institution). Additional information includes predetermined virtual account processing information including at least one mother account number corresponding to the mother account and at least one of the mother account operator information (for example, web server 1065 management institution (or financial institution) information). By doing so, the online account is processed as a virtual account having a financial account of the web server 1065 operating institution (or financial institution) as a parent account, wherein the virtual account processing information is shown in FIG. 19 online. It is preferable to match the online account application information and the virtual account processing information received from the customer terminal 1940 on the account registration system. .

The online account number of the virtual account processing information is information for cooperatively processing the virtual account processing information with the online account in the form of the virtual account, and the online account number preferably follows a real account number system. In accordance with the virtual account number system may be used, whereby the present invention is not limited.

The parent account number of the virtual account processing information may include a financial account (or real account) corresponding to a mother account for processing the online account as a virtual account among the account numbers of the web server 1065 operating institution (or financial institution) name. It is preferable to include the account number.

The mother account management institution information of the virtual account processing information preferably includes information on the web server 1065 management institution (or financial institution) corresponding to the account holder of the real account corresponding to the mother account number.

Those skilled in the art to which the present invention pertains are associated with the account ledger of the web server 1065 operating institution (or financial institution) through the virtual account processing information based on the account ledger information configuration. Since it is possible to infer the configuration of the online ledger information, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, an online account registered through the online account registration system shown in FIG. 19 is a virtual account without real name verification, and the online account is opened for account opening and financial transaction processing in a non-real name verification state. It is preferable to be processed in a silo state, and for this purpose, the online account ledger information provided in the virtual account ledger preferably includes predetermined false processing information as additional information.

The provisional opening unit 1950 and / or provisional management unit 1960 of the information processing server 1070 shown in FIG. 19 are connected to the external system and / or information system provided in the financial system, and the online account is provided. Generating predetermined pseudo-processing information including at least one or more of a virtual account number (or online account number), a pseudonym establishment date, a real name verification expiration date, a real name verification period extension, and a pre-real name verification deposit; Preferably, the new provision processing information is stored in association with additional information corresponding to the online account ledger, and the new provision processing information is received online from the customer terminal 1940 on the online account registration system shown in FIG. It is preferably generated based on the account application information and the provisional processing consent information (or the provisional application information).

However, in the case where the online account ledger is provided in the form of a virtual account, as shown in FIG. 19, in accordance with the intention of the person skilled in the art, the provisional provision processing consent information (or provisional application information) is omitted in the online account registration process. In this case, the false new information may also be omitted according to the intention of those skilled in the art, and thus the present invention is not limited thereto.

The virtual account number (or online account number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account of the virtual account type, and the virtual account number (or online account number) is actually It is preferable to follow the account number system, and according to the intention of those skilled in the art, the virtual account number system may be used, and the present invention is not limited thereto.

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions 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 online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym 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 online account within the expiration date of the real name verification When the real name confirmation of the online account request customer is not performed, it is preferable to repeatedly extend the real name confirmation of the online account request customer.

In addition, a deposit before the real name confirmation of the provisional processing information is a predetermined amount of money from the at least one other real account (or other online account) to the opened online account before the real name of the customer applying for the online account for the online account is confirmed. When this deposit is made, as the amount information deposited into the online account, the real name verification deposit is matched with the account balance of the online ledger.

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

FIG. 23 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to an embodiment of the present invention.

In more detail, in FIG. 23, when the web server 1065 illustrated in FIG. 19 provides a predetermined online account request user interface to the customer terminal 1940, the online account request user interface is provided by the customer terminal 1940. Input (or select) predetermined online account application information through the predetermined network means to provide the web server 1065, and the web server 1065 provides the online account application information through a predetermined communication means. The process of providing to the information processing server 1070 provided in the financial institution, if the person skilled in the art to which the present invention pertains, the customer terminal 1940 by referring to and / or modified with reference to FIG. In this regard, various implementation methods for providing the online account application information to the information processing server 1070 through the web server 1065 may be inferred. Includes all of the exemplary method of the inference, it not limited by the exemplary method shown in the figure 23.

For example, in FIG. 23, only the online account application information is provided from the customer terminal 1940 to the web server 1065. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1065 to the customer terminal 1940, the customer terminal 1940, in addition to the online account application information, provisional processing agreement information (or provisional application information), and / or It may be possible to infer a method of providing online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). , The present invention is in the customer terminal (1940) the new provision processing agreement information (or new provision application information), and / or online account security information, and / or financial transaction application An implementation method of providing information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction 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 communication means for connecting the web server 1065 and the information processing server 1070 in the web server 1065 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypted and transmitted face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 1070 transmits the online account application information (and / or false transaction processing information (or false information application information)) And / or decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Would have to be inferred, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 23, the customer terminal 1940 shown in FIG. 19 connects to the web server 1065 through a network means including at least one or more wired and / or wireless communication networks (2300), and the web. At least one web-based service provided by the server 1065 is used (2305), wherein the web server 1065 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 1940. While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 1065 provides at least one web-based service to the customer terminal 1940 as described above, the online account subscription user interface is subscribed online from the customer terminal 1940 to the online account product. It is periodically checked whether a predetermined online account request user interface is requested for the request (2310). If the financial product request interface is requested from the customer terminal 1940 (2315), the web server 1065 is the customer terminal Generate a predetermined online account application user interface (or extract from a predetermined web source D / B (not shown)) to be provided (1940) (2320), and view the online account application user interface via the network means; Provided to the terminal (2325).

Thereafter, the customer terminal 1940 inputs (or selects) predetermined online account application information through the online account application user interface (2330), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 1065 member information, messenger information, e-mail address information, or wireless terminal information).

When the online account application information is input (or selected) as described above, the customer terminal 1940 transmits the online account application information to the web server 1065 through the network means (2335).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

In addition, the online account security information is a predetermined PIN (Personal Identification Number) and / or customer wireless terminal for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate It is preferable to further include information, and the present invention is not limited thereby.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 1940, the client terminal 1940 may input (or select) online account security information through the interface. After that, the input (or selected) online account security information is transmitted to the web server 1065 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1065 transmits the message.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information that states that the online account is processed as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed as a provisional provision before operating the financial real name of the online account) is output to the customer terminal 1940, and the customer has It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1940 is provided, the customer terminal 1940 is connected to the provisional processing agreement information (the provisional processing information) through the interface. Or after inputting (or selecting) provisional provision information), and transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 1065 through the network means, or Alternatively, the online account application information further includes the provisional processing agreement information (or provisional application information) and transmits the web server 1065 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 1065 operating institution (or financial institution). In order to open a real account to be operated as a virtual account in the form of a virtual account, the mother account operating institution information including at least one web server 1065 operating institution (or financial institution), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 1940, the customer terminal 1940 may provide the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 1065 through the network means, or add the virtual account processing information to the online account application information. And transmit to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), and the online account application user interface is the first terminal 1940 with the financial institution. And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 inputs (or selects) the financial transaction application information through the interface, and then Transmits the input (or selected) financial transaction application information to the web server 1065 through the network means, or further includes the financial transaction application information in the online account application information, the web server via the network means. To 1065.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal (1940) to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 may be configured to provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or to the web server 1065 via the network means, further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. .

Thereafter, the web server 1065 may include the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 1935 (2340).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 1935 may include the web server 1065 (or the web server 1065 operator) and the information processing server 1070. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 1065 transmits the online account application information to the information processing server 1070 through a predetermined communication means (2345), and the information processing server 1070 transmits the web through the communication means. The online account application information provided from the server 1065 is received (2350).

24 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, FIG. 24 illustrates that when the web server 1065 shown in FIG. 19 provides a predetermined online account request user interface to the customer terminal 1940, the user terminal 1940 provides the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 1065, and decode the online account application information by the web server 1065. The process of providing the online account application information to the information processing server 1070 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure 24 And / or modified to provide the online account application information from the client terminal 1940 to the information processing server 1070 through the web server 1065. 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. 24, only the online account application information is provided from the customer terminal 1940 to the web server 1065. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 1065 to the customer terminal 1940, in addition to the online account application information in the customer terminal 1940, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is in the customer terminal 1940 the provisions of the new provision processing agreement information (or provisional application information), and / or online account security information, and / or financial transaction application An implementation method of providing information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction 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 communication means for connecting the web server 1065 and the information processing server 1070 in the web server 1065 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypted and transmitted face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 1070 transmits the online account application information (and / or false transaction processing information (or false information application information)). And / or decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Would have to be inferred, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 24, the customer terminal 1940 shown in FIG. 19 connects to the web server 1065 via 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 1065 is used (2405), wherein the web server 1065 provides the web-based service provided to the customer terminal 1940 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 1065 provides at least one web-based service to the customer terminal 1940 as described above, the online account subscription user interface is subscribed online from the customer terminal 1940. Periodically checks if a predetermined online account request user interface is requested (2410), and if the financial instrument request interface is requested from the customer terminal (1940) (2415), the web server (1065) provides a predetermined security. Generate a predetermined online account request user interface (or extract it from a predetermined web source D / B (not shown)) with a function (2420), and send the online account request user interface to the mobile terminal through the network means; Provided (2425).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) from the customer terminal 1940 by a predetermined encryption method and / or the online account request 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 online account application user interface, wherein the security program is to encrypt the online account 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 a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined online account application information through the online account application user interface (2430), wherein the online account application information is at least requested by the customer (or purchased). Online account product selection information for selecting one or more online account products, terms and conditions agreement information corresponding to the online account products, the online account deposit amount information, and customer information (eg, customer name and Social security number, web server 1065 member information, messenger information, e-mail address information, or wireless terminal information).

When the online account application information is input (or selected) as described above, the customer terminal 1940 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information (2435), and transmit the encrypted online account application information to the web server 1065 via the network means (2440).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 1940, the client terminal 1940 may input (or select) online account security information through the interface. After that, the input (or selected) online account security information is transmitted to the web server 1065 through the network means, or the online account application information further includes the online account security information through the network means. The web server 1065 transmits the message.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed as a provisional provision before operating the financial real name of the online account) is output to the customer terminal 1940, and the customer has It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface for confirming consent for this may be omitted.

When an interface for inputting (or selecting) the provisional processing agreement information (or provisional application information) to the customer terminal 1940 is provided, the customer terminal 1940 is connected to the provisional processing agreement information (the provisional processing information) through the interface. Or after entering (or selecting) provisional application information), and transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 1065 through the network means. Or further include the provisional processing agreement information (or provisional application information) in the online account application information to the web server 1065 via the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information in the web server 1065 operating institution (or financial institution). In order to open a real account to be operated as a virtual account in the form of a virtual account, the mother account operating institution information including at least one web server 1065 operating institution (or financial institution), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When an interface for inputting (or selecting) virtual account processing information including the mother account management institution information and the mother account information is provided to the customer terminal 1940, the customer terminal 1940 may provide the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 1065 through the network means, or add the virtual account processing information to the online account application information. And transmit to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), and the online account application user interface is the first terminal 1940 with the financial institution. And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 inputs (or selects) the financial transaction application information through the interface, and then Transmit the input (or selected) financial transaction application information to the web server 1065 through the network means, or further include the financial transaction application information in the online account application information, the web through the network means. Send to server 1065.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal (1940) to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 may be configured to provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or to the web server 1065 via the network means, further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. .

The web server 1065 which has received the encrypted online account application information through the network means decrypts the online account application information with a decryption method corresponding to the encryption method (2445), and the decrypted online account application information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 1935 (2440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 1935 may include the web server 1065 (or the web server 1065 operator) and the information processing server 1070. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 1065 transmits the online account application information to the information processing server 1070 through a predetermined communication means (2445), and the information processing server 1070 transmits the web through the communication means. The online account application information provided from the server 1065 is received (2450).

25 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 25, the information processing server 1070 shown in FIG. 19 opens a predetermined online account based on the online account application information provided from the web server 1065, and sets the online account to the web server. (1065) A process for processing a real account operated by an operating institution (or a financial institution) into a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 25 and / or Alternatively, based on the online account application information provided to the information processing server 1070 shown in FIG. 19, a real account for operating an online account in the web server 1065 operating institution (or financial institution) may be used as a parent account. Various implementation methods for processing with virtual accounts may be inferred, but the present invention encompasses all of the inferred implementation methods, thereby limiting the invention. No.

For example, in FIG. 25, only the online account application information is provided from the web server 1065 to the information processing server 1070. However, the person having ordinary knowledge in the technical field to which the present invention pertains will be described. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent It is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 1070. However, the present invention may provide the information processing consent information (or information) to the information processing server 1070. Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or Non-face-to-face financial transaction application information) is further provided, whereby the present invention is not limited.

In the following figure 25, the information processing server 1070 shown in the figure 19 will be referred to as " server " for convenience.

Referring to FIG. 25, through the process shown in FIG. 23 and / or 24, predetermined online account application information (and / or false transaction processing information) from the web server 1065 shown in FIG. 19 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual Account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (2500).

If it is not possible to open the online account based on the online account application information (2505), the server generates the account opening error information and provides it to the web server 1065 (2510), the web server 1065 ) Transmits the account opening error information to the customer terminal 1940 through a predetermined network means (2515), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (2505), the server is connected to the financial system and the predetermined online account corresponding to the online account application information on the financial system In operation 2525, the online account is processed as a virtual account, which is the parent account, operated by the web server 1065 operating institution (or financial institution) in association with the financial system.

According to an exemplary embodiment of the present invention, the server corresponds to a real account operated by the web server 1065 operating institution (or financial institution) to the provisional processing information added to the online account ledger as shown in FIG. 20. By adding a mother account number, a virtual account whose mother account is a real account in which a ledger corresponding to the online account opened by the provisional opening unit 1950 is operated by the web server 1065 operating institution (or financial institution). It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to the mother account to be linked to the online account, as shown in FIG. By linking and processing virtual account processing information including mother account information in a relational manner, the web server 1065 operating institution (or financial institution) forms a ledger corresponding to the online account opened by the provisional opening unit 1950. It is preferable to process a real account to be used as a virtual account which is the parent account.

According to another exemplary embodiment of the present invention, the server stores the virtual account processing information in a predetermined database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. It is preferable to process the ledger corresponding to the online account opened by the establishment unit 1950 as a virtual account that uses a real account operated by the web server 1065 operating institution (or a financial institution) as a parent account.

26 illustrates a real name verification process for an online account according to an embodiment of the present invention.

In more detail, in FIG. 26, the online account registration system shown in FIG. 19 uses a real account operated by an operating institution (or a financial institution) of the web server 1065 through the process shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it as a predetermined new financial account. Specifically, when the real name verification expiration date has elapsed, the amount deposited in the online account is converted into an original account (for example, The present invention relates to a method for retrieving a financial account (or another online account) in which a predetermined amount is transferred to the online account, and dormant processing the online account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to a virtual account whose parent account is the real account operated by the web server 1065 operating institution (or financial institution). Various implementation methods for verifying the real name for the processed online account may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 26, the information processing server 1070 on the online account registration system shown in FIG. 19 is referred to as " server " for convenience.

Referring to FIG. 26, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial 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. In response to a customer real name verification event from a financial transaction system (2600).

Those skilled in the art to which the present invention pertains, include a terminal terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an Internet banking system, a wireless banking system, Since the banking system includes at least one of a telebanking system, a home banking system, and a TV banking system, a method of confirming a customer's real name for a predetermined financial account will be omitted.

If the real name for the online account request customer is not confirmed (2605), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (2610).

If the real name verification period for the online account has not elapsed in response to the online account application information (2615), the server is a virtual account having a real account operated by a management institution (or a financial institution) of the web server 1065. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (2615), the server connects the financial system with a predetermined amount of money deposited in the online account in response to the online account application information. Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information), and processes the online account as a dormant account in response to the online account application information. (2620).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (2605), the server is linked to the financial system, the real account operated by the web server 1065 operating institution (or financial institution) mother account The online account processed in the form of a virtual account is returned to the original online account (2625), and the online account is processed as a new financial account whose real name is confirmed in connection with the financial system (2630).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account whose real account is operated by the web server 1065 operating institution (or financial institution) is treated as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 1065 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is converted into the virtual account ledger information. When included, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, It is desirable to treat your online account as a new financial account with your real name.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (2635).

FIG. 27 is a diagram illustrating an online account registration system for final transfer of a transfer amount prepaid to an unpaid virtual account into a new online account according to another embodiment of the present invention.

More specifically, Fig. 27 shows predetermined customer information matching with the recipient unique information for opening an online account from a predetermined customer terminal 1940 to a predetermined web server 1065 via a predetermined network means. When providing the online account application information including a, by providing the online account application information provided from the customer terminal 1940 in the web server 1065 to a predetermined information processing server 2770 provided in a predetermined financial institution, A system configuration for opening an online account corresponding to the online account application information in the information processing server 2770, and specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification. to be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 27 to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering an online account in the form of a virtual account having a predetermined real account as a parent account by referring to and / or modifying the drawing 27. It 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 this figure 27 according to the embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 1065 (e.g., a portal server (e.g. Portal Server, etc.) to request the online account registration (or opening) without real name verification, and provide the web server 1065 with predetermined online account application information corresponding to the online account registration (or opening). The customer terminal 1940 is connected to the customer terminal 1940 through a predetermined network means to receive predetermined online account application information from the customer terminal 1940, and to receive the received online account application information. A web server 1065 provided to an information processing server 2770 provided at a financial institution, and the web server 1065 are connected to the web server 1065 through a predetermined communication means, and the web server 1065 is connected to the web server 1065. An information processing server 2770 that receives line account application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It has a financial system that manages online accounts processed with rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or It is characterized in that it comprises an external system that provides a variety of financial transaction interface (2710) through at least one common network (e.g. CD common network, financial common network), the financial system is a component in the financial system An interface 2710 module corresponding to a middleware platform providing inter-interface, and predetermined information (eg, ledger information, and / or customer information, etc.) required for each function in a component in the financial system; And / or a DBMS (Database Management System) including at least one database for storing and managing management information, etc., wherein the financial account is a financial real name transaction. And real name finance in response to the Act on the Security and Confidentiality and the Concurrent Decree (Presidential Decree No. 15744) If the account is valid, it will be processed.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, 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), and common knowledge in the art to which the present invention pertains. If the person having a, will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, and the present invention is not limited thereby.

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

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

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

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

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

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may use the at least one customer terminal 1940 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 1065 is connected and various application services provided by the web server 1065 are provided.

Here, the wired terminal connected to the wired communication network among the customer terminals 1940 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and the desktop connected to the TCP / IP based communication network ( Desktop) A computer and / or notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to include at least one.

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 data. It is preferable to include at least one or more wireless data communication terminal connected to the communication network.

The web server 1065 is a search service including at least one information / content to the customer terminal 1940 including at least one of the wired terminal and / or the wireless terminal through the wired communication network and / or the wireless communication network, and And / or a portal server and / or a search server that provides personalization services, including / or minihompy / blogs, and / or mail services, and / or messenger services, and / or various information providing services. desirable.

According to the present invention, the web server 1065 provides at least one or more information services provided to the customer terminal 1940 by the financial institution to sell to at least one or more customers online (or request a new establishment). And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

The web server 1065 may also include at least one user for the customer to apply for (or purchase) the financial instrument (eg, the online account) via a network means including the wired and / or wireless communication network. And providing an interface 2710 to the customer terminal 1940, wherein the customer terminal 1940 inputs (or selects) the predetermined online account application information through the user interface 2710 to the wired line. And transmits to the web server 1065 via a network means including a communication network and / or a wireless communication network.

To this end, the customer terminal 1940 outputs at least one or more user interfaces 2710 provided from the web server 1065, and inputs at least one or more online account application information through the user interface 2710. Or a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function for communicating with the web server 1065) for selecting and transmitting the web server 1065 to the web server 1065. .

Those skilled in the art to which the present invention pertains output at least one or more user interfaces 2710 provided from the web server 1065 as described above, and at least one or more online lines through the user interface 2710. Since it is possible to easily infer the characteristics of the customer terminal 1940 corresponding to at least one or more wired terminal and / or wireless terminal to input and / or select the account application information to transmit to the web server 1065, Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 1065 is characterized by including an interface unit 2705 connecting and managing a predetermined communication channel with the customer terminal 1940 through the network means.

According to an embodiment of the present invention, when the customer terminal 1940 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 2705 may include the wired network and / Or at least one or more information by connecting a predetermined communication channel with the customer terminal 1940 based on a protocol stack defined in a wireless network, and using a communication protocol defined in a communication program included in the customer terminal 1940. It is desirable to provide a communication interface 2710 for (or data) transmission and reception.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 1940, the interface unit 2705 may be connected to the client terminal 1940 based on the TCP / IP protocol. A communication interface 2710 is provided for connecting a communication channel and transmitting / 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 1940 is provided with the communication program provided by the web server 1065, the interface unit 2705 establishes a communication channel with the customer terminal 1940 based on the TCP / IP protocol. And a communication interface 2710 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 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2705 may be configured based on the protocol stack defined in the wireless network. Connects a communication channel with a terminal 1940 and provides a communication interface 2710 for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 1940. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the customer terminal 1940, the interface unit 2705 may be configured based on the CDMA protocol. (1940) and a communication channel, and using the WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible web page) and / or information It provides a communication interface 2710 for.

Referring to FIG. 27, the web server 1065 is the interface unit 2705 when a predetermined customer terminal 1940 accesses the web server 1065 and / or applies for an online account through the interface unit 2705. Generate a predetermined user interface 2710 to input (or select) and transmit predetermined online account application information from the client terminal 1940 (or from a predetermined web source D / B (not shown)). Extracts and inputs (or selects) the interface providing unit 2710 to the customer terminal 1940 and the user interface 2710 at the customer terminal 1940 in cooperation with the interface unit 2705. An information receiving unit 2720 for receiving the predetermined online account application information to be transmitted, and an information relay unit for providing the received online account application information to an information processing server 2770 provided in a financial institution through a predetermined communication means ( 27 And 30).

In addition, the web server 1065 may be connected to the interface unit 2705 to at least one or more customer terminals 1940, including a search service including at least one or more information / content, and / or a personalized homepage / blog. And a web service unit 2715 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 1065 provides the web-based service to at least one customer terminal 1940 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 1065 stores information for storing the received online account application information in a predetermined storage medium 2735 for post management of the online account application information received through the information receiving unit 2720. It is preferable to further comprise a part 2725.

The interface providing unit 2710 is provided with a function of the customer terminal 1940 when a predetermined customer terminal 1940 accesses the web server 1065 and / or applies for an online account through the interface unit 2705. Corresponding to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface 2710 capable of transmitting to the web server 1065 through the network means, and / or a predetermined database (shown in FIG. The user interface 2710 extracted from the generated (or extracted from a predetermined web source D / B (not shown)) in conjunction with the interface unit 2705 through the network means. It is characterized by providing in).

Thereafter, the customer terminal 1940 inputs (or selects) the online account application information based on the user interface 2710, and inputs the input (or selected) online account application information through the network means through the web. Send to server 1065.

According to an embodiment of the present invention, when the customer terminal 1940 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 2710 may include a browser program and / or a communication program provided in the wired terminal. Generates a predetermined user interface 2710 (or extracted from a predetermined web source D / B (not shown)), and generates the generated (or predetermined web source D / B () through the interface unit 2705. It is preferable to provide the user interface 2710 extracted from the drawing (not shown) to the customer terminal 1940.

According to another exemplary embodiment of the present invention, when the customer terminal 1940 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 2710 may include a browser program and / or communication provided in the wireless terminal. A predetermined user interface 2710 that can be provided by a program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B is provided through the interface unit 2705). It is preferable to provide the user interface 2710 extracted from (not shown) to the customer terminal 1940.

According to an embodiment of the present invention, the user interface 2710 for receiving (or selecting) predetermined online account application information from the customer terminal 1940 in the web server 1065 may include at least one online account product ( Or a financial product) and an interface 2710 that selects at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface 2710 for receiving (or selecting) the online account application information may be connected to the online account product. An interface 2710 for outputting the online account product detail information such as corresponding online account product name and interest rate information to the customer terminal 1940 and confirming that the customer has confirmed the online account product detail information. Preferably, or when the online account product corresponding to the online account application information corresponds to the online account in the form of a financial investment product, the user interface 2710 for receiving (or selecting) the online account application information, The online account product corresponding to the online account product And an interface 2710 for outputting the online account product details such as the investment period and the expected return information to the customer terminal 1940 and confirming that the customer has confirmed the online account product details. desirable.

In addition, the user interface 2710 for receiving (or selecting) the online account application information outputs the terms and conditions corresponding to the online account product to the customer terminal 1940, and the customer agrees to the terms and conditions. It is preferred to include an interface 2710.

In addition, the user interface 2710 for receiving (or selecting) the online account application information may include an interface 2710 for inputting an amount for the customer to deposit (or invest) into an online account corresponding to the online account product. And an interface 2710 for inputting predetermined financial account information (eg, original account information for depositing a predetermined amount into an online account) for depositing (or transferring) the amount into the online account. .

In addition, the user interface 2710 for receiving (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, An interface 2710 for inputting (or selecting) an address, an e-mail address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) included in the web server 1065. It is preferable to comprise).

Thereafter, the customer terminal 1940 includes online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) from the plurality of online account products through the user interface 2710, and Terms and conditions agreement information corresponding to an online account product, the online account deposit amount information, and customer information (e.g., customer name and social security number, web server 1065 member information, or messenger information) for the online account applicant; or And input (or select) online account application information including at least one of mail address information, wireless terminal information, etc.) to the web server 1065 through the network means.

According to an embodiment of the present invention, the user interface 2710 for receiving (or selecting) the online account application information may include an account password for an online account corresponding to the online account application information, and / or the online account. And an interface 2710 for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing at least one or more non-face-to-face financial transactions.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface 2710 for inputting (or selecting) at least one online account security information is provided to the customer terminal 1940, the customer terminal 1940 may provide online account security information through the interface 2710. After inputting (or selecting), the inputted (or selected) online account security information is transmitted to the web server 1065 through the network means, or the online account application information further includes the online account security information. To the web server 1065 via the network means.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, the user interface 2710 for receiving (or selecting) the online account application information may be configured to open the online account until the financial real name of the online account corresponding to the online account application information is confirmed. To the customer terminal 1940, 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 provisional provisions and the provisional provisions of the provisional provisions (e.g., the period in which the on-line account is treated as the provisional provision until the financial real name of the online account is verified). Outputting, inputting provisional processing consent information for which the customer agrees with the provisional provisional terms information and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account ( Or an interface 2710 for selection).

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface 2710 confirming the consent for this may be omitted.

When an interface 2710 for inputting (or selecting) the provisional processing agreement information (or provisional application information) is provided to the client terminal 1940, the client terminal 1940 is provided through the interface 2710. After entering (or selecting) the provisional processing agreement information (or provisional application information), the inputting (or selection) the provisional processing information (or provisional application information) is entered via the network means through the web server ( 1065, or the web account 1065 is further included in the online account application information through the network means.

As shown in FIG. X, when a financial real name for an online account corresponding to the online account product is processed before being confirmed, the user interface for receiving (or selecting) the online account application information ( 2710 may process the online account with a predetermined prepaid rechargeable card to process the financial transaction (eg, deposit, withdrawal, bank transfer, etc.) for the online account processed as the new bank. And an interface 2710 that outputs to the customer terminal 1940 and inputs (or selects) the chargeable prepaid card processing consent information to which the customer agrees to the chargeable prepaid card processing information.

If the rechargeable prepaid card processing information is previously included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1940 and an interface 2710 for confirming the agreement is provided. May be omitted.

When the interface 2710 for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1940, the customer terminal 1940 receives the rechargeable prepaid card processing consent information through the interface 2710. Input (or select) and transmit the input (or select) rechargeable prepaid card processing consent information to the web server 1065 through the network means, or process the rechargeable prepaid card in the online account application information. Further including consent information is transmitted to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the user interface 2710 for receiving (or selecting) the online account application information is It is preferable to include an interface 2710 for outputting the financial transaction application terms and conditions information for processing the first financial transaction with the financial institution to the customer terminal 1940, and confirming that the customer has agreed to the financial transaction application terms. If the customer is a financial transaction customer of the financial institution, the interface 2710 is omitted. Even mubang, and those skilled in the art or according to the intention is mubang be included in the interface 2710 is a non-face-to-face financial transaction agreement information (and / or a non-face-to-face financial transaction application information) specified in the following.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface 2710 for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When the interface 2710 for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 may input (or the financial transaction application information) through the interface 2710. And transmit the input (or selected) financial transaction application information to the web server 1065 through the network means, or further include the financial transaction application information in the online account application information. In this figure, the financial transaction application information is included in the non-face-to-face financial transaction agreement information (and / or non-face-to-face financial transaction application information) specified below for convenience. Will be explained.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If not a banking member, a wireless banking member, a TV banking member, a home banking member, or the like), the user interface 2710 for receiving (or selecting) the online account application information is transmitted to the customer terminal 1940. Process at least one non-face-to-face financial transaction with a financial institution through at least one non-face-to-face financial transaction channel Non-face-to-face financial transaction terms and conditions information (e.g., Internet banking subscription terms, or wireless banking subscription terms, or TV banking subscription terms, or home banking subscription terms, etc.) And an interface 2710 that inputs (or selects) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction. .

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. (Or application) The interface 2710 may be omitted, and the present invention is not limited thereto.

When an interface 2710 for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 is connected to the interface 2710. After inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the inputted (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Transmitting to the web server 1065 via the network means, or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. To 1065.

When the customer terminal 1940 inputs (or selects) predetermined online account application information through the user interface 2710 and transmits the information through the network means, the information receiving unit 2720 is connected to the interface unit 2705. And receiving the online account application information by interworking, and provides the received online account application information to the information relay unit 2730 and / or the information storage unit 2725.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 1940 inputs (or selects) predetermined online account security information through the user interface 2710 and transmits it through the network means, or the online account security at the customer terminal 1940. When the information is included in the online account application information and transmitted, the information receiving unit 2720 receives the online account security information in cooperation with the interface unit 2705, and receives the received online account security information. The information relay unit 2730 and / or the information storage unit 2725 are provided.

In addition, the client terminal 1940 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface 2710 and transmits it through the network means, or the client terminal In operation 1940, when the information regarding the provisional processing agreement (or the provisional application information) is transmitted to the online account application information, the information receiving unit 2720 interworks with the interface unit 2705 to accept the provisional processing. And receiving information (or provisional application information), and providing the received provisional processing consent information (or provisional application information) to the information relay unit 2730 and / or information storage unit 2725. do.

In addition, the customer terminal 1940 inputs (or selects) predetermined rechargeable prepaid card processing consent information through the user interface 2710 and transmits it through the network means, or the rechargeable terminal in the customer terminal 1940. When the prepaid card processing consent information is transmitted in the online account application information, the information receiving unit 2720 receives the rechargeable prepaid card processing consent information in association with the interface unit 2705. Rechargeable prepaid card processing consent information is provided to the information relay unit 2730 and / or the information storage unit 2725.

In addition, the client terminal 1940 inputs (or selects) predetermined financial transaction application information through the user interface 2710 and transmits it through the network means, or the financial terminal application from the client terminal 1940. When the information is included in the online account application information and transmitted, the information receiver 2720 receives the financial transaction application information in association with the interface unit 2705, and the received financial transaction application information. Is provided to the information relay unit 2730 and / or the information storage unit 2725.

In addition, the client terminal 1940 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface 2710 and transmits the same through the network means, or When the customer terminal 1940 transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information, the information receiving unit 2720 interworks with the interface unit 2705. And receiving the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 2730. And / or to the information storage unit 2725.

The information storage unit 2725 stores the online account application information received through the information receiving unit 2720 in a predetermined storage medium 2735, thereby allowing the web server 1065 (or web). The server 1065 operating agency) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 2735.

When the online account security information is received through the information receiving unit 2720, the information storage unit 2725 associates the online account security information with the online account application information and stores the information in the storage medium 2735. The online account security information is used by the web server 1065 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 2720, the information storage unit 2725 may apply the provisional processing agreement information (or provisional application) to the online account application information. Information) and store it in the storage medium 2735, wherein the provisional processing agreement information (or provisional application information) is stored in the web server 1065 (or a financial transaction server using the online account). ) Provides a basis for processing at least one or more financial transactions using the online account before verifying the financial real name for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 2720, the information storage unit 2725 associates the rechargeable prepaid card processing consent information with the online account application information to process the storage medium 2735. The rechargeable prepaid card processing consent information may be stored in the web server 1065 (or the financial transaction server using the online account) at least using the online account until the financial real name of the online account is confirmed. Provide a basis for processing one or more financial transactions with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 2720, the information storage unit 2725 may add the non-face-to-face financial transaction agreement information to the online account application information ( Alternatively, the non-face-to-face financial transaction application information) may be stored in the storage medium 2735 in connection with the non-face-to-face financial transaction application information. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 1065 ( Or a financial transaction server using the online account) to provide a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

According to the method of the present invention, the information storage unit 2725 is the web server 1065 (or the above) when the predetermined online account corresponding to the online account application information is opened by the information processing server 2770. The online account information (not shown) opened by the information processing server 2770 to process the at least one financial transaction using the online account in the storage medium 2735. It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 2730 may use the online account application information received through the information receiving unit 2720 to correspond to the online account product (for example, an online account corresponding to the online account product) through a predetermined communication means. It is characterized in that the relay transmission to the information processing server (2770) provided in the financial institution.

Here, the communication means for connecting the web server 1065 and the information processing server 2770 may be a dedicated communication network that blocks access by a third party other than the web server 1065 and the information processing server 2770, and / or A secure communication network (eg, the web server 1065) encrypts the online account application information by a predetermined encryption method to provide a secure communication function between the web server 1065 and the information processing server 2770. ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 2770.

When the online account security information is received through the information receiving unit 2720, the information relay unit 2730 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying the information to the information processing server 2770 provided in the financial institution, where the online account corresponding to the product is opened, whereby the information processing server 2770 transmits the web to the financial system provided in the financial institution. The server 1065 opens an online account that can process financial transactions through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 2720, the information relay unit 2730 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying the information to the information processing server 2770 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 2770 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 2720, the information relay unit 2730 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 2770 provided in the financial institution (in which the online account corresponding to the product) is opened, whereby the information processing server 2770 allows the customer to apply for the online account. Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 2720, the information relay unit 2730 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 2770 provided in the financial institution, in which the online account corresponding to the online account product is opened, whereby the information processing server 2770 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 2720, the information relay unit 2730 receives the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to an information processing server 2770 provided in a financial institution corresponding to the online account product (eg, an online account corresponding to the online account product is opened). In this way, the information processing server 2770 opens an online account in the non-face-to-face processing of the financial transaction using the online account in the web server 1065 in the financial system provided in the financial institution.

According to another exemplary embodiment of the present invention, when the information processing server 2770 is equipped with a web server 1065 function and / or the information processing server 2770 is a predetermined banking server, the information relay unit ( 2730 connects and relays the customer terminal 1940 and the information processing server 2770 so that the online processing request information (and / or trailing) is received from the customer terminal 1940 at the information processing server 2770. Rules processing consent information (or trail application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non It is possible to relay directly to a predetermined user interface 2710 for receiving the face-to-face financial transaction application information)), whereby the information processing server 2770 allows the customer through a predetermined network means. From the end 1940 the online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing It is possible to directly receive consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 1065 and the information processing server 2770 relays at least one web server 1065 and the information processing server 2770, and / or the A predetermined relay server (not shown) for relaying a web server 1065 and at least one information processing server 2770 and / or relaying at least one web server 1065 and at least one information processing server 2770. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 27, the information processing server 2770 may include online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 1065 through the communication means, and And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 2740, and a new provision opening unit 2745 that opens a new online account corresponding to the online account application information received through the information receiving unit 2740 in association with a predetermined financial system, and the new provision opens. Prepaid card processing unit (2750) for processing a prepaid online account with a rechargeable prepaid card, and manages the online prepaid account of the prepaid prepaid card until the real name confirmation for the customer applying for the online account A real name verification unit 2760 and a real name verification unit 2760 for confirming whether a real name of the customer of the financial transaction application for the online account opened as a new name in response to the online account application information is confirmed within a predetermined real name verification period; And a new account processor 2765 for processing the online account opened as a new financial account when the real name of the online account opened as a new financial account is confirmed in response to the online account application information. It features.

The information receiving unit 2740 may provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 1065 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 2745.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 1065 in accordance with one embodiment of the present invention. When transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 2740 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The hook establishment 2745 is the online account application information (and / or the new processing agreement information (or the new application information), and / or online from the web server 1065 through the information receiving unit 2740) If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance) Read the transaction agreement information (or non-face-to-face financial transaction application information) and, through a predetermined financial system, the online account application information (and / or the provisional processing agreement information (or the provisional application information)), and / or Online accounts corresponding to line account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision opening unit 2745 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information in / B); And / or a predetermined customer ledger corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online The one characterized in that it comprises the registration of the account ledger (e.g., received online account ledger corresponding to the application information).

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

According to another exemplary embodiment of the present invention, an online account ledger for the online account corresponding to the online account application information is based on the account ledger corresponding to a virtual account associated with a predetermined parent account based on the online account application information. It is preferable to be registered in the general ledger D / B, wherein the parent account is registered in the ledger D / B on the financial system, or the ledger D / on the financial system to register the online account It is possible to include at least one or more of the above-mentioned financial institution accounts already established in B, whereby the present invention is not limited.

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision opening unit 2745 may provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 1065, and / or the online account security information. And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a procedure of opening the online account (eg, registering a predetermined online account ledger) in association with the information system, and providing the result to the prepaid card processing unit 2750.

If a person of ordinary skill in the art to which the present invention pertains, the detailed procedure of opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 2750 is characterized in that for processing the online account (or online account ledger) opened by the new provision opening unit 2745 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name system It is possible to withdraw a predetermined deposit amount (or recharge amount) without violating the Law on Trade and Confidentiality and the Concurrent Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 2750 as a rechargeable prepaid card has a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to an exemplary embodiment of the present invention, the prepaid card processing unit 2750 replaces the account ledger information included in the online account ledger with rechargeable prepaid card information, thereby establishing the online established by the provisional opening unit 2745. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 2750 replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, and converts the account interest rate into a prepaid card interlocked interest rate. By replacing the account password with a PIN (Personal Identification Number) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the online established by the provisional opening unit 2745. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 2750 connects predetermined rechargeable prepaid card information to the online account ledger in a relational manner, whereby the online establishment established by the provisional opening unit 2745 is performed. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 2750 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid. By linking and storing rechargeable prepaid card information including a card PIN, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 2745 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 2750 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening section 2745 with a rechargeable prepaid card.

For example, the prepaid card processing unit 2750 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid. By storing rechargeable prepaid card information including a card PIN, etc. in a predetermined database linked to the ledger D / B in which the online ledger is registered, the online account (or online) opened by the provisional opening unit 2745. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 2755 is characterized in that the online account opened as the new provision to be processed by operating a rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to an embodiment of the present invention, the provisional management unit 2755 recharges the deposit amount to the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the online account, the new management unit 2755 processes the withdrawal amount to use the amount charged to the rechargeable prepaid card. It is characterized by.

In addition, when interest is calculated for the amount deposited in the online account (or charged in the rechargeable prepaid card) through the financial system, the new provision management unit 2755 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the new provision management unit 2755 violates the law and the concurrent law (Presidential Decree No. 15744) on financial real-name trading and confidentiality until the real name is verified. prevent.

The real name verification unit 2760 is the law and the concurrent law on the financial real name transaction and confidentiality while the online account opened by the new provision establishment unit 2745 is managed by the new provision management unit 2755. According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 2760 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 2760 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account 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 online account), the real name verification unit (2760) is the official certificate-based real name verification process defined in the wireless banking system to It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has implemented a real name verification procedure for the online account application customer), the real name verification unit 2760 is a 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 online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 2760 is provided in the financial system (or provided in a financial institution) to confirm the real name of the online account requesting customer within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 2760 has a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 2760 checks the real name for the online account application customer within a predetermined real name verification period, the online 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, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 2760 generates real name verification information for the online account application customer and provides the new account processing unit 2765 to the new account processor 2765. do.

Alternatively, when the real name of the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 2760 generates unidentified name information of the online account request customer to generate the new account processor 2765. To provide.

When real name confirmation information is provided from the real name confirmation unit 2760 including the real name of the online account requesting customer within the real name confirmation period, the new account processing unit 2765 is connected to the financial system. The online account processed by the new provision opening unit 2745 and / or the new provision management unit 2755 as a new provision is treated as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 2760 including the real name of the customer for the online account application within the real name confirmation period, the new account processing unit 2765. Is valid for all financial transactions on the online account processed by the new establishment part 2745 and / or the new provision management part 2755 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited into the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 2765 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 2765 retracts (or re-transfers) the amount deposited in the withdrawal virtual account in connection with the external and / or information systems provided in the financial system to the online account. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 2765 may be an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 2765 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 2740 may set the online account opening date to the web server 1065. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or the date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or the date of opening of the online account on the financial system by the temporary opening establishment unit 2745. It is desirable to apply retrospectively to either date.

28 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

More specifically, FIG. 28 stores an online account ledger in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. 27, and the online account is designated. The structure of the online account ledger information for processing with a new account of the company, specifically, by replacing the account ledger information included in the online ledger registered in the ledger D / B with the chargeable prepaid card information, the online ledger It is about an implementation method of processing an online account corresponding to a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 28 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

28 is not shown for convenience in order not to cause confusion, but the present invention is not limited thereto.

Referring to FIG. 28 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 28, B further includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, 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.

According to another exemplary embodiment of the present invention, the provisional opening unit 2745 and / or provisional management unit 2755 of the information processing server 2770 shown in FIG. 27 are provided with an external system and / or provided in the financial system. Incorporating information from the wireless account into the online ledger for processing at least one or more financial transactions in a non-face-to-face manner in financial transactions without an accredited certificate, and / or in the online ledger and / or the online ledger It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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.

The online ledger is registered in the form of an account ledger associated with the customer ledger, the online ledger in the form of an account ledger 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked transaction number, It includes at least one or more interest system accounts, whether or not a consolidation is made, the final payment interest, the final payment transaction number, the individual interest rate reference, and the date of the final interest calculation. Periodic reception information including at least one (day), extension, maturity date, and target amount, and / or account number, deposit amount, par value, pension date, and number of shares corresponding to the ledger. Trust reception information that includes at least one, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch No., compound transaction It includes transaction history information including at least one, the date of settlement, bank account line, brief, CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, in order to process the online ledger as a pseudonym account, the provisional opening unit 2745 and / or the pseudonym management unit 2755 of the information processing server 2770 shown in FIG. In connection with the external and / or information systems provided in the financial system, the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the real name verification period extension, and the deposit before real name verification for the online account It is characterized in that for generating the predetermined false information including the information, and processing the stored false information is linked to the additional information corresponding to the online ledger, characterized in that for storing.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 1940 on the online account registration system shown in FIG. 27. Preferably, when the provisional processing agreement information (or provisional application information) is omitted in the online account registration system shown in FIG. 27, the provisional processing information provided in the online ledger is also omitted. Preferably, the present invention is not limited thereto.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions 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 online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym 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 online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with an account balance (eg, a chargeable prepaid card amount) of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 28, the prepaid card processing unit 2750 of the information processing server 2770 illustrated in FIG. 27 may recharge the online account ledger in advance in association with the external and / or information systems provided in the financial system. In order to process the card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account until the customer confirms the real name of the online account, and the prepaid card number system of a financial institution equipped with the financial system is provided. It is preferable to include, it is preferable that after the real name verification is reduced to the account number of the new financial account processed.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate until the real name verification of the online account, the real name processing after real name verification It is desirable to return the account password of the new financial account.

29 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

More specifically, FIG. 29 stores an online account ledger in the form of a rechargeable prepaid card in ledger information stored in a predetermined ledger D / B provided in a DBMS on the financial system shown in FIG. The structure of online account ledger information for processing with a new account of the present invention, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online account The present invention relates to a method of processing an online account corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 29 to open the online account in the ledger D / B and to prescribe a new card for operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

29 is not shown for convenience in order not to cause confusion, but the present invention is not limited thereto.

Referring to Figure 29 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and the account ledger shown in FIG. 29, B further includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, 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.

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional establishment part 2745 and / or provisional management part 2755 of the information processing server 2770 shown in FIG. 27 are linked to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions 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 online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym 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 online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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 the period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 29, the prepaid card processing unit 2750 of the information processing server 2770 illustrated in FIG. 27 may recharge the online account ledger in advance in association with an external and / or information system provided in the financial system. In order to process the card, it is characterized in that the account number, product type, interest rate, password, etc. contained in the online ledger is deactivated, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, pre Rechargeable prepaid card information including a bullcard PIN and customer wireless terminal information is stored in association with the additional information of the online ledger.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

30 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, Fig. 30 is provided with a predetermined online account ledger according to the conventional account ledger information structure in a predetermined ledger D / B provided in a DBMS on the financial system shown in Fig. 27, and associated with the ledger D / B. By providing the prepaid transaction information and the rechargeable prepaid card information associated with the online ledger in a predetermined database, the predetermined online account ledger according to the conventional account ledger information configuration can be converted into a prepaid rechargeable prepaid card and the ledger account. FIG. 30 illustrates an information structure to be processed by a person of ordinary skill in the art to which the present invention pertains. Referring to FIG. 30 and / or modified with reference to FIG. It is possible to infer a variety of information configuration methods for storing the new processing information and rechargeable prepaid card information associated with the Would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 30.

In particular, this figure 30 shows that it is not easy to store the provisional processing information and / or rechargeable prepaid card information in the ledger D / B on the DBMS provided on the financial system (e.g., in the policy of a financial institution, If it is not easy to change the ledger D / B, or the system is not easy to expand due to the nature of the financial system), the information on the provisional processing and / or the rechargeable prepaid card information is stored in a predetermined database instead of the ledger D / B. It shows an implementation method of storing and linking the database and the ledger D / B.

Referring to FIG. 30, the database stores the new provisional processing information and / or the rechargeable prepaid card information, wherein the new provisional processing information and / or the rechargeable prepaid card information are linked to the ledger D / B. It is preferable to further include a CIF number matching the customer ledger of the ledger information, and an account number matching the online account ledger in the false new processing information and / or rechargeable prepaid card information.

In FIG. 30, the new provision processing information stored in the database is characterized by including the account number for the financial account, the new provision establishment date, the real name verification expiration date, extension of the real name verification period, deposit before real name verification.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 1940 on the online account registration system shown in FIG. 27. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions 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 online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym 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 online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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.

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

In FIG. 30, the rechargeable prepaid card information stored in the database includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. It is done.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

In addition, the prepaid card type preferably comprises information to confirm that the online account is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, and after the real name is confirmed the new financial account processed It is preferable to reduce the product type.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal information also preferably corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account.

31 is a diagram illustrating an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 31 illustrates that when the web server 1065 illustrated in FIG. 27 provides a predetermined online account request user interface 2710 to the customer terminal 1940, the online terminal at the customer terminal 1940. Input (or select) predetermined online account application information through the application user interface 2710 and provide it to the web server 1065 through predetermined network means, and through the predetermined communication means in the web server 1065. The process of providing the online account application information to the information processing server (2770) provided in the financial institution, if one of ordinary skill in the art to which the present invention belongs, reference and / or modification of this figure 31 It is possible to infer various implementation methods for providing the online account application information from the customer terminal 1940 to the information processing server 2770 through the web server 1065. The present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 31.

For example, in FIG. 31, only the online account application information is provided from the client terminal 1940 to the web server 1065. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface 2710 provided from the web server 1065 to the customer terminal 1940, the customer terminal 1940, in addition to the online account application information, provisional processing agreement information (or provisional application information), and And / or infer a method of providing online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention may be carried out at the customer terminal 1940, the provisional processing agreement information (or provisional application information), and / or online account security information, and / or An implementation method for providing financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto. .

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1065 and the information processing server 2770 in the web server 1065 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and transmits the online account application information (and / or the provisional processing agreement information (or the new application) in the information processing server 2770 Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It would be possible to infer an implementation method of decrypting)), but the present invention includes the implementation method inferred from above, and the present invention is not limited thereto.

Referring to FIG. 31, the customer terminal 1940 shown in FIG. 27 connects to the web server 1065 through a network means including at least one wired and / or wireless communication network (3100), and the web. At least one web-based service provided by the server 1065 is used (3105), wherein the web server 1065 is provided to the customer terminal 1940 in the online account product according to the present invention. A predetermined online account application user interface 2710 is provided, while providing online account product information for attracting an online subscription to the.

Accordingly, while the web server 1065 provides at least one web-based service to the customer terminal 1940 as described above, the online account subscription user interface 2710 is transferred from the customer terminal 1940 to the online account product. Periodically checks whether a predetermined online account application user interface 2710 is requested for the online subscription of the client 3110, if the financial instrument application interface 2710 is requested from the customer terminal 1940 (3115). The web server 1065 generates (or extracts from a predetermined web source D / B (not shown)) a predetermined online account application user interface 2710 to be provided to the customer terminal 1940 (3120), and the network. The online account application user interface 2710 is provided to the mobile terminal through means (3125).

Thereafter, the customer terminal 1940 inputs (or selects) predetermined online account application information through the online account application user interface 2710 (3130), and the online account application information is applied (or purchased) by the customer. Online account product selection information for selecting at least one online account product, terms and conditions agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the online account application customer (e.g., , Customer name and social security number, web server 1065 member information, messenger information, e-mail address information, or wireless terminal information).

When the online account application information is input (or selected) as described above, the customer terminal 1940 transmits the online account application information to the web server 1065 through the network means (3135).

According to an embodiment of the present invention, the online account application user interface 2710 may perform an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface 2710 for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface 2710 for inputting (or selecting) at least one online account security information is provided to the customer terminal 1940, the customer terminal 1940 may provide online account security information through the interface 2710. After inputting (or selecting), the inputted (or selected) online account security information is transmitted to the web server 1065 through the network means, or the online account application information further includes the online account security information. To the web server 1065 via the network means.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, the online account application user interface 2710 indicates that the online account is processed as a provisional provision until the financial real name of the online account corresponding to the online account application information is confirmed. Terms and conditions information and provisional processing period information (e.g., the period during which the online account is processed as a provisional provision until the verification of the financial real name of the online account) is output to the customer terminal 1940, and the customer Interface (2710) for inputting (or selecting) provisional processing consent information for agreeing provisional terms information and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. It is preferable to comprise a.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface 2710 confirming the consent for this may be omitted.

When an interface 2710 for inputting (or selecting) the provisional processing agreement information (or provisional application information) is provided to the client terminal 1940, the client terminal 1940 is provided through the interface 2710. After entering (or selecting) the provisional processing agreement information (or provisional application information), the inputting (or selection) the provisional processing information (or provisional application information) is entered via the network means through the web server ( 1065, or the web account 1065 is further included in the online account application information through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a pseudonym, the online account application user interface 2710 is processed as the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the online account is processed with a predetermined prepaid rechargeable card to output rechargeable prepaid card processing information to the customer terminal 1940, and It is preferred that the customer includes an interface 2710 that inputs (or selects) the rechargeable prepaid card processing consent information that agrees with the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is previously included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1940 and an interface 2710 for confirming the agreement is provided. May be omitted.

When the interface 2710 for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1940, the customer terminal 1940 receives the rechargeable prepaid card processing consent information through the interface 2710. Input (or select) and transmit the input (or select) rechargeable prepaid card processing consent information to the web server 1065 through the network means, or process the rechargeable prepaid card in the online account application information. Further including consent information is transmitted to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface 2710 is connected to the customer terminal 1940 to the financial institution. And an interface 2710 that outputs financial transaction application terms and conditions information for processing the initial financial transaction and confirms that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface 2710 for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When the interface 2710 for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 may input (or the financial transaction application information) through the interface 2710. And transmit the input (or selected) financial transaction application information to the web server 1065 through the network means, or further include the financial transaction application information in the online account application information. Send to the web server 1065 by means.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). The bank account member, the wireless banking member, the TV banking member, the home banking member, etc.), the online account application user interface 2710 is connected to the customer terminal 1940 with at least one non-face-to-face financial institution. Non-face-to-face financial transaction terms and conditions for handling at least one non-face-to-face financial transaction through a trading channel Information (e.g., Internet banking subscription terms information, wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face that the customer agrees to the non-face-to-face financial transaction terms information. And an interface 2710 that inputs (or selects) financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. (Or application) The interface 2710 may be omitted, and the present invention is not limited thereto.

When an interface 2710 for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 is connected to the interface 2710. After inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the inputted (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Transmitting to the web server 1065 via the network means, or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. To 1065.

Thereafter, the web server 1065 may include the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 2735 (3140).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 2735 may include the web server 1065 (or the web server 1065 operator) and the information processing server 2770. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 1065 transmits the online account application information to the information processing server 2770 through a predetermined communication means (3145), and the information processing server 2770 transmits the web through the communication means. The online account application information provided from the server 1065 is received (3150).

32 is a view showing an information providing process for opening an online account and processing an online account operated in the form of a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, in FIG. 32, when the web server 1065 illustrated in FIG. 27 provides a predetermined online account request user interface 2710 to the client terminal 1940, the client terminal 1940 provides the online account. Input (or select) and encrypt predetermined online account application information through the application user interface 2710 to provide to the web server 1065 through a predetermined network means, and apply for the online account at the web server 1065. Decoding the information through a predetermined communication means for providing the online account application information to the information processing server 2770 provided in the financial institution, if the person of ordinary skill in the art The online account application information from the client terminal 1940 to the information processing server 2770 through the web server 1065 by referring to FIG. 32 and / or modified. Would be able to infer how to provide various embodiments, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 32.

For example, in FIG. 32, only the online account application information is provided from the client terminal 1940 to the web server 1065. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface 2710 provided from the web server 1065 to the customer terminal 1940, the customer terminal 1940, in addition to the online account application information, provisional processing agreement information (or provisional application information), and And / or infer a method of providing online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention may be carried out at the customer terminal 1940, the provisional processing agreement information (or provisional application information), and / or online account security information, and / or An implementation method for providing financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited thereto. .

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 1065 and the information processing server 2770 in the web server 1065 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) and transmits the online account application information (and / or the provisional processing agreement information (or the new application) from the information processing server 2770. Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). It would be possible to infer an implementation method of decrypting)), but the present invention includes the implementation method inferred from above, and the present invention is not limited thereto.

Referring to FIG. 32, the customer terminal 1940 shown in FIG. 27 connects to the web server 1065 through a network means including at least one or more wired and / or wireless communication networks (3200), and the web. At least one web-based service provided by the server 1065 is used (3205), wherein the web server 1065 provides the web-based service provided to the customer terminal 1940 according to the present invention. A predetermined online account application user interface 2710 is provided while providing online account product information for attracting online subscription.

Accordingly, while the web server 1065 provides at least one web-based service to the customer terminal 1940 as described above, the online account request user interface 2710 may be transferred from the customer terminal 1940 to the financial product. It is periodically checked whether a predetermined online account application user interface 2710 is requested for the online subscription (3210). If the financial instrument application interface 2710 is requested from the customer terminal 1940 (3215), the web The server 1065 generates (or extracts from a predetermined web source D / B (not shown)) a predetermined online account application user interface 2710 equipped with a predetermined security function (3220), and through the network means. The online account request user interface 2710 is provided to the mobile terminal (3225).

Here, the security function provided in the online account request user interface 2710 includes a function of encrypting the online account application information input (or selected) from the customer terminal 1940 by a predetermined encryption method and / or the online account. It comprises at least one function of attaching the electronic signature of the customer to the application information, preferably in the form of a security program linked to the online account application user interface (2710), wherein the security program is the Preferably, at least one encryption key for encrypting the online account application information is provided.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 1940 inputs (or selects) predetermined online account application information (3230) through the online account application user interface 2710, and the online account application information is applied (or purchased) by the customer. Online account product selection information for selecting at least one online account product, terms and conditions agreement information corresponding to the online account product, the online account deposit amount information, and customer information for the online account application customer (e.g., Customer name, social security number, web server 1065 member information, messenger information, e-mail address information, or wireless terminal information).

When the online account application information is input (or selected) as described above, the customer terminal 1940 stores the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface 2710. Encrypt (and / or attach the electronic signature of the customer to the online account application information) (3235), and transmit the encrypted online account application information to the web server 1065 via the network means (3240). ).

According to an embodiment of the present invention, the online account application user interface 2710 may perform an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface 2710 for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing.

The online account security information may also include predetermined personal identification number (PIN) and / or customer wireless terminal information for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information without an authorized certificate. It is preferable to further comprise, and thereby the present invention is not limited.

When an interface 2710 for inputting (or selecting) at least one online account security information is provided to the customer terminal 1940, the customer terminal 1940 may provide online account security information through the interface 2710. After inputting (or selecting), the online account security information input (or selected) is transmitted to the web server 1065 through the network means, or the online account security information is added to the online account application information. And transmit to the web server 1065 via the network means.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 1065.

According to an embodiment of the present invention, the online account application user interface 2710 indicates that the online account is processed as a provisional provision until the financial real name of the online account corresponding to the online account application information is confirmed. Terms and conditions information and provisional processing period information (for example, the period during which the online account is processed as a new provision until the financial real name verification for the online account) is output to the customer terminal 1940, and the customer Interface 2710 for entering (or selecting) provisional processing consent information for agreeing to terms and conditions and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. It is preferable to comprise a.

If the provisional provisional terms information and provisional provision period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provision information and provisional provision period information is output to the customer terminal 1940, The interface 2710 confirming the consent for this may be omitted.

When an interface 2710 for inputting (or selecting) the provisional processing agreement information (or provisional application information) is provided to the client terminal 1940, the client terminal 1940 is provided through the interface 2710. After entering (or selecting) the provisional processing agreement information (or provisional application information), the inputting (or selection) the provisional processing information (or provisional application information) is entered via the network means through the web server ( 1065, or the web account 1065 is further included in the online account application information through the network means.

As shown in FIG. X, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a pseudonym, the online account application user interface 2710 is processed as the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account, the online account is processed with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 1940, Preferably, the customer includes an interface 2710 for inputting (or selecting) rechargeable prepaid card processing consent information for the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is previously included in the terms and conditions information corresponding to the online account product, the rechargeable prepaid card processing information is output to the customer terminal 1940 and an interface 2710 for confirming the agreement is provided. May be omitted.

When the interface 2710 for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 1940, the customer terminal 1940 receives the rechargeable prepaid card processing consent information through the interface 2710. Input (or select) and transmit the input (or select) rechargeable prepaid card processing consent information to the web server 1065 through the network means, or process the rechargeable prepaid card in the online account application information. Further including consent information is transmitted to the web server 1065 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Is not established, and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface 2710 is connected to the customer terminal 1940 to the financial institution. And an interface 2710 that outputs financial transaction application terms and conditions information for processing the initial financial transaction and confirms that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface 2710 for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When the interface 2710 for inputting (or selecting) the financial transaction application information is provided to the customer terminal 1940, the customer terminal 1940 may input (or the financial transaction application information) through the interface 2710. And transmit the input (or selected) financial transaction application information to the web server 1065 through the network means, or further include the financial transaction application information in the online account application information. Send to the web server 1065 by means.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). The bank account member, the wireless banking member, the TV banking member, the home banking member, etc.), the online account application user interface 2710 is connected to the customer terminal 1940 with at least one non-face-to-face financial institution. Non-face-to-face financial transaction terms and conditions for handling at least one non-face-to-face financial transaction through a trading channel Information (e.g., Internet banking subscription terms information, wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.), and the non-face-to-face that the customer agrees to the non-face-to-face financial transaction terms information. And an interface 2710 that inputs (or selects) financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction to process at least one or more face-to-face financial transactions through the at least one non-face-to-face financial transaction channel with the financial institution. (Or application) The interface 2710 may be omitted, and the present invention is not limited thereto.

When an interface 2710 for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 1940, the customer terminal 1940 is connected to the interface 2710. After inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the inputted (or selected) non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) Transmitting to the web server 1065 via the network means, or further including the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) in the online account application information. To 1065.

The web server 1065 having received the encrypted online account request information through the network means decrypts the online account request information with a decryption method corresponding to the encryption method (3245), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 2735 (3240).

According to another exemplary embodiment of the present invention, the storing of the online account application information in the storage medium 2735 may include the web server 1065 (or the web server 1065 operator) and the information processing server 2770. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 1065 transmits the online account application information to the information processing server 2770 through predetermined communication means (3245), and the information processing server 2770 transmits the web through the communication means. The online account application information provided from the server 1065 is received (3250).

33 is a diagram illustrating a process of processing an online account as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 33, the information processing server 2770 shown in FIG. 27 opens a predetermined online account based on the online account application information provided from the web server 1065, and charges the online account with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 2770 shown in FIG. Various implementation methods for processing an online account with a rechargeable prepaid card may be inferred based on the information, but the present invention includes all the inference methods described above, whereby the present invention is not limited thereto.

For example, in FIG. 33, only the online account application information is provided from the web server 1065 to the information processing server 2770. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance Although it is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 2770, the present invention may provide the information processing server 2770 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face Financial transaction agreement information (or non-face-to-face financial transaction application information) is further provided, and the present invention is not limited thereto.

In the drawing 33, the information processing server 2770 shown in the drawing 27 is referred to as " server " for convenience.

Referring to FIG. 33, predetermined online account application information (and / or provisional processing consent information) from the web server 1065 shown in FIG. 27 to the server through the process shown in FIG. 31 and / or 32. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application). Information)), the server may request that the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / Or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) to check whether the online account can be opened (3300).

If it is not possible to open the online account based on the online account application information (3305), the server generates the account opening error information and provides it to the web server 1065 (3310), the web server 1065 ) Transmits the account opening error information to the customer terminal 1940 through a predetermined network means (3315), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (3305), the server is connected to the financial system and the predetermined online account corresponding to the online account application information on the financial system In operation 3320, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with rechargeable prepaid card information as shown in FIG. 28, thereby establishing the online established by the provisional opening unit 2745. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, A ledger corresponding to the online account opened by the new opening section 2745 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. Is preferably treated with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational link with predetermined rechargeable prepaid card information in the online account ledger as shown in FIG. 29, thereby providing the online established by the provisional opening unit 2745. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the on-line account opened by the blind spot opening unit 2745 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered as shown in FIG. 30. It is preferable to process the ledger corresponding to the online account opened by the opening unit 2745 with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in a predetermined database linked to the ledger D / B to which the online account ledger is registered, the ledger corresponding to the online account opened by the new opening establishment unit 2745 It is preferable to treat with.

34 is a diagram illustrating a real name verification process for an online account according to an embodiment of the present invention.

More specifically, FIG. 34 shows a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 33 through the online account registration system shown in FIG. In particular, when the real name verification expiration date passes, the amount deposited in the online account is transferred to the original account (for example, a financial account (or another online account) in which a predetermined amount is transferred to the online account). The present invention relates to a method for retrieving and dormant the online account.

Those skilled in the art will be able to infer various implementation methods for confirming the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 34, The present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

34, the information processing server 2770 on the online account registration system shown in FIG. 27 is referred to as " server " for convenience.

Referring to FIG. 34, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or a financial system), a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial 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. Responsive to customer real name identification events arising from financial transaction systems, including And 3400.

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, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name for the online account request customer is not confirmed (3405), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (3410).

If the real name verification period for the online account has not elapsed in response to the online account request information (3415), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (3415), the server in connection with the financial system and the predetermined amount of money deposited in the online account corresponding to the online account application information Account (e.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account corresponding to the online account application information) and processes the online account as a dormant account in response to the online account application information. (3420).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (3405), the server returns the online account processed with the rechargeable prepaid card to the original online account in association with the financial system (3425). In connection with the financial system, the online account is processed as a new financial account whose real name is confirmed (3430).

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the new opening date (3435).

According to the present invention, unique information (e.g., recipient's resident registration information (e.g. name and resident registration number)), web server member information (e.g., the recipient can identify (or verify) the recipient even without opening an online account. Funds that allow a given sender to transfer a certain amount of money to a recipient's unopened online account through member ID information), messenger information (e.g., messenger name and messenger ID information), e-mail address information, wireless terminal information, etc. There is an advantage to providing transfer services.

According to the present invention, there is an advantage of inducing a plurality of payees to open a new online account through a money transfer service for the unopened online account.

Claims (4)

A method of processing a transfer of funds to an online account opened online, including a rechargeable prepaid card (or virtual account) attribute to provide a face-to-face financial transaction in an unidentified real name in a real account, To an unopened online account that includes one or more remitter financial account information, bank transfer amount information, payee-specific information (member ID information, or messenger ID information), or funds transfer period information that is already opened at the terminal. When the bank transfer request is sent by sending the money transfer information, the financial transaction processing means opens an unpaid virtual account of the payee's name based on the unique payee information, withdraws the money of the account transfer from the remitter's financial account, and Depositing the withdrawn funds transfer into the unpaid virtual account; Storing information in the storage medium by linking the remitter financial account information, the payee unique information, the unpaid virtual account information, and the money transfer amount information in an information storage means; Transmitting online account opening request information from the information transmitting means to the recipient communication means corresponding to the unique recipient information; Confirming, by the information confirming means, a payee online account in an unnamed state is opened based on the payee unique information; Authenticating the transfer of the account transfer amount to the payee online account through the payee unique information in a payee authentication means when the payee online account is opened as a result of the checking; And The financial transaction processing means withdraws the deposit amount transferred from the unpaid virtual account to the payee online account in connection with the storage medium (or storage medium operating means), or deposits the unpaid virtual account into the payee. Transitioning to an online account; the method for processing money transfer of an unopened online account, comprising the. The method of claim 1, And remitting the money deposited in the virtual account to the financial account if the payee online account is not opened after a predetermined period of time corresponding to the money transfer period information in the financial transaction processing means. A method for processing money transfer of an unopened online account, characterized in that. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In a system for transferring funds to an online account opened online including a chargeable prepaid card (or virtual account) attribute to provide a face-to-face financial transaction in an unidentified state in a real account, To an unopened online account that includes one or more remitter financial account information, bank transfer amount information, payee-specific information (member ID information, or messenger ID information), or funds transfer period information that is already opened at the terminal. When requesting a bank transfer by sending the money transfer information for the bank, the unpaid virtual account of the payee's name is opened based on the payee's unique information, the withdrawal amount of the account transfer is transferred from the remitter's financial account, and the withdrawn money transfer amount. Financial transaction processing means for depositing the unpaid virtual account into the account; Information storage means for storing the remitter financial account information, the payee unique information, the unpaid virtual account information, and the money transfer amount information in a storage medium; Information transmitting means for transmitting online account opening request information to a recipient communication means corresponding to the recipient unique information; Information checking means for confirming whether a payee online account in an unnamed state is opened based on the payee unique information; And And a payee authentication means for authenticating the transfer of the money transfer amount to the payee online account through the payee unique information when the payee online account is opened as a result of the checking. The financial transaction processing means, Withdrawing the account transfer amount transferred to the unpaid virtual account in connection with the storage medium (or storage medium operating means) and depositing it into the payee online account, or converting the unpaid virtual account into the payee online account. A money transfer processing system for an unopened online account.

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