KR100885164B1 - System and Method for Processing Sending Money Between Online Accounts and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for processing transfers between online accounts and a recording medium therefor. The method for processing transfers between online accounts according to the present invention comprises: when a transfer request customer requests a transfer through an online account, the client terminal at a financial company server. Receiving the transfer request information and the payment side customer information from the bank; and opening the virtual account corresponding to the payment side customer information at the financial institution server, and including the transfer request information withdrawn from the transfer request customer online account. Depositing the transfer amount into the opened virtual account, and checking whether the depositing customer's online account is newly opened at the financial institution server, and when the online account of the depositing customer is newly opened, Deposit the deposited amount to the online account of the newly opened depositor customer. And a step of.

Online Accounts, Money Transfers, Virtual Accounts

Description

System and Method for Processing Sending Money Between Online Accounts and Program Recording Medium}

1 is a diagram illustrating an online account processing system for opening an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating the structure of information on a new ledger for temporary processing of operating an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a structure of information of a general ledger for false information processing for opening an online account and operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

FIG. 4 is a diagram illustrating the provision of new provision processing information and a rechargeable prepaid card information for the provision of a new account operating in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

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

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

7 is a diagram illustrating a process of processing an online account (or a new account) as a rechargeable prepaid card according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account (or a provisional account) according to an embodiment of the present invention.

9 is a diagram showing the configuration of an online account management system for providing an account transfer service from an online account (or a new account) to an unopened online account according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating an online account (or false account) operating process of charging a predetermined amount to an online account (or false account) before real name verification according to an embodiment of the present invention.

FIG. 11 is a view illustrating a process of operating an online account (or a pseudonym account) in which an amount deposited in an online account (or a pseudonym account) is withdrawn to another financial account and transferred to the account before real name verification according to an embodiment of the present invention. .

12 is a diagram illustrating an online account (or false account) operating process for providing an account transfer service between online accounts (or false account) before real name verification according to an embodiment of the present invention.

FIG. 13 is a view illustrating a process of operating an online account (or a provisional account) for providing an account transfer service from an online account (or a provisional account) to an unopened online account before real name verification according to an embodiment of the present invention.

14 is a diagram illustrating an online account (or false account) operating process of transferring an amount deposited in a virtual account corresponding to an unopened online account to a new online account (or a temporary account) according to an embodiment of the present invention. to be.

<Description of main parts of drawing>

900: online account management server 905: interface unit

910: interface providing unit 915: information receiving unit

920: authentication processing unit 925: online account management unit

930: ledger processing unit 935: information confirmation unit

940: virtual account processing unit 945: online account verification unit

950: customer terminal 955: wired terminal

960: wireless terminal

According to the present invention, when a remittance request customer requests a remittance through an online account, a financial institution server receives remittance request information and a payment side customer information from the client terminal, and the financial institution server opens a virtual account corresponding to the payment side customer information. Thereafter, the transfer amount included in the remittance request information withdrawn from the remittance request customer online account is deposited into the opened virtual account, and the financial institution server confirms whether to open a new online account of the depositing customer. When the online account of the depositing customer is newly established, the present invention relates to an online account transfer processing method for depositing the amount of money deposited in the virtual account into the online account of the newly opened depositing customer.

The continuous development of the information and telecommunications infrastructure has led to the sale of online financial products through Internet professional banks, which is expected to provide various financial transaction services linked to Internet portals.

On the other hand, a financial account opened at a predetermined financial institution for at least one financial transaction under the Financial Real Name Transaction and Confidentiality Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744) shall be based on the real name of a financial transaction customer under the Act. Verification procedures must be followed, and not in violation of this.

However, an online financial product sold through the Internet full-time bank has the property of a non-real name account until the customer visits a bank window and confirms his / her real name, thereby making a lot of financial transactions corresponding to the online financial product before the real name verification. Includes constraints.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is a means for receiving money transfer request information and payment side customer information from the customer terminal when a money transfer request customer requests a money transfer through an online account, and corresponding to the payment side customer information. After opening the virtual account, means for depositing the transfer amount included in the transfer request information withdrawn from the remittance request customer online account to the opened virtual account, and confirming whether or not to open a new online account of the depositing customer After that, when the online account of the depositing customer is newly opened, an online account transfer processing system comprising means for depositing the amount deposited into the virtual account into the online account of the newly opened depositing customer; To provide a method.

Remittance request method between the online account according to the present invention, when the remittance request customer requests a remittance through the online account, the financial institution server receives the remittance request information and the payment side customer information from the customer terminal, the financial company server in the Opening a virtual account corresponding to the depositing customer information, depositing a transfer amount included in the remittance request information withdrawn from the remittance requesting customer online account into the opened virtual account; After checking whether the depositing customer's online account is newly opened, and when the depositing customer's online account is newly opened, depositing the amount deposited in the virtual account into the online account of the newly opened depositing customer. Characterized in that comprises a step.

According to the present invention, the method of processing the transfer between the online accounts, after confirming whether the depositing customer's online account is newly opened at the financial company server, if the online account of the depositing customer is not newly opened within a certain period of time, And refunding the amount of money deposited in the virtual account to the remittance request customer online account.

According to the present invention, the method of processing the transfer between the online accounts further comprises the step of requesting to open an online account for transferring the amount deposited in the virtual account from the financial institution server to the depositing customer communication means. do.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described method for processing the transfer between the online accounts.

On the other hand, the online account transfer processing system according to the present invention, means for receiving the transfer request information and the payment side customer information from the customer terminal, when the transfer request customer requests a transfer through the online account, and the payment side customer information; Means for depositing the transfer amount included in the remittance request information withdrawn from the remittance request customer online account into the opened virtual account after opening a corresponding virtual account; and whether the depositing customer's online account is newly opened. After confirming that, when the depositing customer's online account is newly opened, means for depositing the amount of money deposited into the virtual account into the online account of the newly opened depositing customer is characterized in that it comprises a means for processing. .

According to the present invention, the remittance processing system between the online accounts, if the depositing customer's online account is not newly opened within a certain period of time, refund the amount deposited in the virtual account to the remittance request customer online account It further comprises a means.

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 the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

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

1 is a diagram illustrating an online account processing system for opening an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, Figure 1 provides a financial product application information for opening and operating an online account of a rechargeable prepaid card concept according to the present invention to a web server 100 through a predetermined network means at a predetermined customer terminal. By providing the financial product application information provided from the client terminal in the web server 100 to the information processing server 140 provided in a predetermined financial institution, the financial information corresponding to the financial product application information in the information processing server 140 A system configuration for processing an account (or an online account) as a false account (e.g., a new account before real name verification) and processing the false account as a rechargeable prepaid card (e.g., a prepaid card available without real name verification). For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of the drawing of FIG. Would be able to infer a variety of exemplary methods for the online account processing system configured to operate on a card type, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Referring to FIG. 1 according to an embodiment of the present invention, an online account processing system for opening an online account and operating in the form of a rechargeable prepaid card according to the present invention includes at least one member who registers at least one financial product online. One or more customer terminals connected to the customer terminal through a predetermined network means to receive predetermined financial product application information from the customer terminal, and to process the received financial product application information in a predetermined financial institution. The web server 100 provided to the server 140 and the web server 100 is connected through a predetermined interface means to receive the financial product application information from the web server 100, the received financial product An information processing server 14 processing a financial product corresponding to the financial product application information under a new name based on the application information as a new provision (14). 0) and a financial system for operating the financial products processed by the new provisions.

Here, 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 or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; 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, tele Banking, TV banking, etc.) access and / or write down to the financial system FIG. 3 is an external system that provides various financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system is configured to interface between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) And a DBMS (Database Management System) including at least one database for storing and managing the financial data. The financial account is provided by the financial account in relation to financial real name transactions and confidentiality. Corresponds to the real name financial account corresponding to the law and concurrent decree In this case, it is effectively 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 185 (eg, a personal communication system (PCS) having a connection and browsing function connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 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 through at least one wireless terminal 185 (eg, wireless terminal 185 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide 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 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).

In accordance with the present invention, a customer who wants to register a predetermined financial product online through the online payment system may include at least one or more of a wired terminal 180 connected to a predetermined wired communication network and / or a wireless terminal 185 connected to a predetermined wireless communication network. The web server 100 is accessed through a customer terminal, and various application services provided by the web server 100 are provided.

Here, the wired terminal 180 connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP-based communication network, and includes a desktop computer connected to the TCP / IP-based communication network. / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 185 connected to the wireless communication network includes 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 mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the web server 100 includes at least one information / content as a customer terminal including at least one of the wired terminal 180 and / or the wireless terminal 185 through the wired communication network and / or the wireless communication network. Portal server and / or search server that provides a personalized service, and / or mail service, and / or messenger service, and / or a variety of information providing services, such as a search service, and / or minihompy / blog It is preferable to comprise a.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). Characterized in that comprises a.

In addition, the web server 100 has at least one user interface for the customer to purchase (or apply for a financial product) through the network means including the wired communication network and / or wireless communication network to the customer terminal The customer terminal inputs (or selects) financial product application information for processing a new account of a rechargeable prepaid card concept according to the present invention through the user interface, and the wireless terminal network and / or wirelessly. It is characterized in that for transmitting to the web server 100 via a network means including a communication network.

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

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, input at least one financial product application information through the user interface, and Since the features of the customer terminal corresponding to the at least one or more wired terminal 180 and / or the wireless terminal 185 to select and transmit to the web server 100 can be easily inferred, a detailed description thereof Is omitted for convenience.

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

According to an embodiment of the present invention, when the customer terminal includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may be configured as described above. At least one information (or data) is connected to a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the customer terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 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 customer terminal is provided with a communication program provided by the web server 100, the interface unit 105 connects the communication channel with the customer terminal based on the TCP / IP protocol, the communication program Provides communication interface for transmitting and receiving information (or data) using communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 communicates with the customer 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. .

Referring to FIG. 1, when the predetermined client terminal is connected to the web server 100 through the interface unit 105, the web server 100 interworks with the interface unit 105 and is predetermined at the customer terminal. Interface providing unit 110 for generating a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) to input (or select) and transmit the financial product application information of the financial product application information to the customer terminal And, the information receiving unit 120 for receiving the predetermined financial product application information to be input (or selected) and transmitted through the user interface in the customer terminal in conjunction with the interface unit 105, and the received financial product application It is characterized in that it comprises an information relay 130 for providing information to the information processing server 140 provided in the financial institution through a predetermined interface means.

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

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

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

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

According to the method of the present invention, the financial product application information is a PIN (for processing at least one or more financial transactions in a non-face-to-face financial transaction corresponding to a new account opened by the financial product application information without an authorized certificate ( Personal Identification Number) and / or customer wireless terminal information, whereby the PIN and / or customer wireless terminal information is registered in the ledger on the financial system in the process of opening the new account.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 110 is provided. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program provided in the customer terminal, and through the interface unit 105, It is preferable to provide the user terminal with a user interface generated (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface providing unit 110 may include a browser program and / or provided in the customer terminal. Generate a predetermined user interface that can be provided by a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (shown) through the interface unit 105. It is desirable to provide the user interface extracted from the above) to the customer terminal.

According to an embodiment of the present invention, a user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal may be used by the customer to purchase (or select) a plurality of financial products. An interface for selecting at least one financial product, an interface for outputting financial product detail information such as investment period and expected return rate for the financial product and confirming that the customer has confirmed the financial product detail information; An interface for outputting the terms and conditions information corresponding to the financial instrument and inputting an interface for the customer to agree to the terms and conditions, an amount for the customer to invest (or deposit) in the financial instrument, and the customer investing in the financial instrument. Including at least one interface for entering (or selecting) customer information for From being bait it is preferred.

Thereby, the customer terminal through the user interface financial product selection information for selecting at least one or more financial products to be purchased (or applied) by the customer of the plurality of financial products, and financial product terms and conditions corresponding to the financial product agreement Information, the financial product investment amount information, and financial product application information including at least one of the customer information are input (or selected) and transmitted to the web server 100 through the network means.

According to the implementation method of the present invention, the financial product application information, financial product selection information for selecting at least one or more financial products to be purchased (or applied) by the customer of a plurality of financial products, and the customer for the financial product Financial instrument verification information confirming that the financial instrument details such as investment period and expected return, etc. have been confirmed, the agreement agreement information agreeing to the terms and conditions corresponding to the financial instrument, and the customer can invest (or deposit) in the financial instrument. G) amount information and at least one customer information of the customer investing in the financial product.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal may include a password for a financial account (or an online account) corresponding to the financial product. Preferably, the device further includes an interface for inputting the same financial product security information. When the financial product security information is further included in the financial product application information, the financial product application information is encrypted using a predetermined encryption method so that the web can be used. It is preferable to be transmitted to the server 100.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal, the financial product application through the web server 100 confirms the financial real name It is desirable to include a new provisions terms and conditions and information about the processing period of the new provisions to specify that the processing until the new provisions and to confirm that the customer has consented to the processing of the new provisions, and preferably When the provisional processing period information is included in the terms and conditions information corresponding to the financial product, the interface where the customer agrees to the provisional processing may be omitted, and the present invention is not limited thereto.

If the user terminal in the web server 100 is provided with a user interface that agrees to the trailing process, the customer terminal includes a trail including the trailing agreement terms and the trailing period processing information through the user interface. In the case that the financial product application interface includes a user interface for inputting (or selecting) regulation application information to the web server 100 through the network means and agreeing to the provisional processing according to the intention of a person skilled in the art, The client terminal inputs (or selects) the provisional application information through the financial product application interface and transmits the information to the web server 100 through the network means.

In addition, when the customer applying for the financial product is not a conventional financial transaction member for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution. Or / or the financial product requesting customer has never processed a financial transaction with the financial institution), and inputs (or selects) predetermined financial product application information from the customer terminal in the web server 100. Preferably, the user interface provided for receiving comprises an interface for outputting financial transaction application terms and conditions for processing a financial transaction with the financial institution and confirming that the customer agrees to the financial transaction application terms. Transaction application terms are included in the terms and conditions information corresponding to the financial instrument, and / or If the financial transaction request is to be processed in real name confirmation process for the instrument, the interface to the customer to apply for the financial institution and the financial transaction is possible to be omitted and to which the present invention is not limited.

If the user terminal for the financial transaction application is provided from the web server 100 to the customer terminal, the customer terminal inputs (or selects) the financial transaction application information through the user interface through the network means. When the user interface for the financial transaction application is included in the financial product application interface according to the intention of a person skilled in the art, the client terminal transmits the financial transaction application information to the web server 100 through the financial product application interface. Input (or select) to the web server 100 via the network means.

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

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

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

The information receiving unit 120 inputs (or selects) predetermined financial product application information through the user interface at the customer terminal and transmits the information through the network means. The financial product application unit interoperates with the interface unit 105. Characterized in that it receives the information, the received financial product application information is provided to the information relay 130 and / or information storage unit 125.

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

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

According to another exemplary embodiment of the present invention, the information receiving unit 120 may further receive predetermined provisional application information corresponding to the provisional application interface provided to the customer terminal in addition to the financial product application information, and And / or further receive predetermined financial transaction application information corresponding to the financial transaction application interface provided to the client terminal, and / or predetermined internet banking subscription application corresponding to the internet banking subscription application interface provided to the client terminal. It is desirable to receive further information.

According to the method of the present invention, the financial product application information is a PIN (for processing at least one or more financial transactions in a non-face-to-face financial transaction corresponding to a new account opened by the financial product application information without an authorized certificate ( Personal Identification Number) and / or customer wireless terminal information is preferably further included.

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

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

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

According to another exemplary embodiment of the present invention, when the information processing server 140 has a web server 100 function and / or the information processing server 140 is an internet banking server, the information relay 130 ) Relays the customer terminal and the information processing server 140 by connecting and relaying the information, so that the financial product application information (and / or financial product provisional application information, and / or from the information processing server 140 to the customer terminal). Or financial transaction application information, and / or Internet banking subscription application information), so that the user can directly relay a predetermined user interface for receiving the financial transaction application information and / or the Internet banking subscription application information. Directly receiving the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) from the customer terminal. It is possible, which the present invention is not limited.

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

Referring to FIG. 1, the information processing server 140 is connected to a predetermined financial system by an information receiving unit 170 for receiving the financial product application information provided from the web server 100 through the interface means. The provisional opening section 165 which opens a financial account (or online account) corresponding to the financial product corresponding to the financial product application information received through the information receiving unit 170 as a new provision, and the financial establishment as the provisional provision A prepaid card processing unit 160 for processing an account (or an online account) as a rechargeable prepaid card, a pseudo new management unit 155 for managing a pseudo-new account of the concept of the rechargeable prepaid card until the real name verification for the customer applying for the financial products; The real name of the customer applying for the financial transaction for the financial account (or the online account) opened as a new provision in response to the financial product application information is confirmed within a predetermined real name verification period. If the real name of the real name confirmation unit 150 for confirming whether the real name for the financial account (or online account) opened in a new provision corresponding to the financial product application information is confirmed, the financial account opened in the new provision (or online) Account) is provided with a new account processing unit 145 for processing a new financial account.

The information receiving unit 170 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription provided from the web server 100 via the interface means) Application information), and the received financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). Provided to the establishment section (165).

According to one embodiment of the present invention, financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) provided from the web server 100 is When encrypted, the information receiver 170 decrypts the encrypted financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). It is preferable to further comprise.

The provisional establishment section 165 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / from the web server 100 via the information receiving unit 170, and / Or, if the banking subscription application information is provided, read the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). A financial account (or online account) corresponding to the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) is provided through the financial system. It is characterized by establishing as.

Here, the new provision opening unit 165 may correspond to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) ( Or opening an online account as a new provision may include: applying the financial product application information (and / or financial product provisional application information, and / or financial transaction application information) to the ledger D / B provided on the financial system. Or a predetermined customer ledger corresponding to the Internet banking subscription application information (which may be omitted if the customer ledger is already registered) and / or at least one of the provisional ledgers (eg, a reception ledger corresponding to the financial product application information). It is characterized by including the registration.

According to an exemplary embodiment of the present invention, the provisional director of the provisional new account corresponding to the financial product application information is an account corresponding to a newly opened financial account (or an online account) based on the financial product application information. It is desirable to register with the ledger D / B in the form of a ledger, and store predetermined temporary information for managing the temporary account in association with the temporary ledger.

According to another exemplary embodiment of the present invention, the provisional ledger for the new provisional account corresponding to the financial product application information is based on the account ledger corresponding to the virtual account associated with a predetermined parent account based on the financial product application information. It is preferable to be registered in the general ledger D / B, wherein the mother account is the ledger D on the financial system to register the customer financial account, or the new account already opened in the ledger D / B on the financial system It is possible to include at least one or more of the above-mentioned financial institution accounts already established in / B, and the present invention is not limited thereby.

The provisional account corresponding to the registered provisional director is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, the non-real name financial account Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount (or deposit amount) into the provisional account under the Financial Real Name Transaction and Confidentiality Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

That is, the provision of new provisions 165 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking received through the web server 100) On the basis of the subscription application information, a procedure for opening a predetermined temporary account corresponding to the financial product (for example, registering a predetermined ledger) in connection with the external and / or information systems provided in the financial system. Procedure), and provide the result to the prepaid card processing unit 160.

Those skilled in the art to which the present invention pertains, the hook establishment section 165 in conjunction with the financial system to open a predetermined hidden account corresponding to the financial product (for example, a predetermined visibility Since you will be familiar with the detailed procedure for registering the Governor, detailed descriptions thereof will be omitted for convenience.

The prepaid card processing unit 160 is characterized in that the processing of the new account (or the new general ledger) opened by the new provision opening unit 165 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 desirable that the prepaid account processed by the prepaid card processing unit 160 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 the exemplary embodiment of the present invention, the prepaid card processing unit 160 replaces the account ledger information included in the ledger ledger with the rechargeable prepaid card information, so that the trail opened by the ledger opening unit 165. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

For example, the prepaid card processing unit 160 replaces the account number included in the head of the board of directors with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and replaces the account interest rate with the prepaid card. By replacing the account password with a Personal Identification Number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby establishing the trail established by the provisional opening unit 165. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 160 processes the predetermined prepaid rechargeable prepaid card information in a relational form in the head of the head of the head, and the trail opened by the head of the head of the head of the hook. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

For example, the prepaid card processing unit 160 deactivates the account number, product type, interest rate, password, etc. contained in the ledger, the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN and the like, it is preferable to process the pseudonew account (or the new ledger) opened by the provisional opening unit 165 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 160 stores the prepaid rechargeable prepaid card information in a predetermined database linked to the registered ledger D / B. It is preferable to process the provisional account (or provisional ledger) established by the unit 165 as a rechargeable prepaid card.

For example, the prepaid card processing unit 160 deactivates the account number, product type, interest rate, password, etc. contained in the ledger, the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN, etc. in a predetermined database linked to the ledger D / B registered by the head of the head of the board, the cover-up account (or trail) opened by the head of the head of the head of provision. It is desirable to treat Gyuwonjang) with a rechargeable prepaid card.

Thereafter, the new provision management unit 155 is characterized in that the operation of the new provision account established as the new provision to process the rechargeable prepaid card until the real name confirmation for the financial product application customers.

According to the implementation method of the present invention, when the new provision management unit 155 deposits a predetermined amount (or an account transfer) to the new provision account through the financial system, charging the deposit amount to the rechargeable prepaid card It is characterized by processing as.

In addition, when a predetermined amount is withdrawn (or transferred to the account) through the financial system to the hidden regulation account, the provisional management unit 155 processes the withdrawal amount as the amount charged to the rechargeable prepaid card. Characterized in that.

In addition, when interest is calculated for the amount deposited in the bank account (or charged in the rechargeable prepaid card) through the financial system, the bank provision management unit 155 charges the interest in the rechargeable prepaid card. Characterized in that.

By treating the provisional account with a rechargeable prepaid card as described above, the provisional provision management unit 155 violates the laws and concurrent laws (Presidential Decree No. 15744) on financial real name transaction and confidentiality until the name of the provisional account is verified. Prevent it.

The real name verification unit 150 is the law on the financial real-name system trading and confidentiality while the new account opened by the new provision establishment unit 165 is managed by the new provision management unit 155, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized in that whether the real name of the customer applying for the financial product is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name confirmation unit 150 is configured for the financial account (or the online account) corresponding to the financial product through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to verify that the real name of the customer applying for the financial instrument is confirmed.

According to another exemplary embodiment of the present invention, the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is an Internet banking customer corresponding to the financial institution (for example, the financial In the case where the institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 150 is the financial corresponding to the financial product through the certificate-based real name verification procedure defined in the Internet banking system. It is desirable to verify that the real name of the customer applying for the financial instrument for the account (or the online account) is confirmed.

According to another exemplary embodiment of the present invention, when the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has performed the real name verification process for the customer applying for the financial product), the real name verification unit 150 corresponds to the financial product through a certificate-based real name verification procedure defined in the wireless banking system. It is desirable to verify that the real name of the customer applying for the financial instrument for the financial account (or the online account) is confirmed.

According to another embodiment of the present invention, the customer applying for the financial product is a conventional financial transaction customer for the financial institution, and the customer applying for the financial product corresponds to the financial institution, and / or home banking, and / or Or, if the TV banking customer (for example, the financial institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 150 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 financial product for the financial account (or the online account) corresponding to the financial product 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 150 is provided in the financial system (or provided in a financial institution) to confirm the real name for the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request that the customer apply for the financial product using the telemarketing function to perform a real name verification procedure for the financial account (or online account) corresponding to the financial product.

Alternatively, the real name verification unit 150 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request the customer to apply for the financial product using the real name verification process for the financial account (or online account) corresponding to the financial product.

Alternatively, when the financial product application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 150 to confirm the real name for the financial product application customer within a predetermined real name verification period, the financial A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or a financial account (or online) corresponding to a financial instrument to the customer applying for the financial instrument in connection with the financial transaction system during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction. It is desirable to request that a real name verification procedure be performed for the account.

If the real name of the customer applying for the financial product is confirmed within a predetermined real name confirmation period, the real name confirmation unit 150 generates the real name identification information for the customer applying for the financial product and provides the new account processing unit 145. do.

Alternatively, when the real name of the financial product application customer is confirmed within the predetermined real name verification period, the real name verification unit 150 generates unidentified name information of the financial product application customer to generate the new account processing unit 145. To provide.

When real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processing unit 145 is connected with the financial system. The financial account (or online account) corresponding to the financial product processed by the provisional provision opening section 165 and / or provisional provision management section 155 as the provisional provision is characterized in that the processing as a valid new financial account.

According to an embodiment of the present invention, when real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processor 145 is provided. The financial account (or online account) processed by the provisional opening section 165 and / or provisional management section 155 as a provisional new in connection with the external and / or information system provided in the financial system It is preferable that all financial transactions corresponding to the financial product be processed into a valid new financial account.

In accordance with an embodiment of the present invention, the amount of money deposited into a financial account (or online account) opened in correspondence with the financial product is locked so as not to be withdrawn by any financial transaction until the real name verification for the financial account (or online account) is made. If (Lock) is set, the new account processing unit 145 releases the lock on the financial account (or online account) corresponding to the financial product in connection with the external system and / or information system provided in the financial system. Preferably, the financial account (or online account) processed by the provisional provision is processed into a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing a new provision corresponding to the financial product, thereby depositing an amount of money deposited into a financial account (or an online account) opened in correspondence with the financial product. When the bank account is transferred to a predetermined virtual account provided with a withdrawal prevention function in association with the financial account (or an online account), the new account processor 145 is linked with an external system and / or information system provided in the financial system. Thereby retrieving (or re-transferring) the amount deposited in the withdrawal virtual account to a financial account (or online account) corresponding to the financial instrument, and / or removing (or erasing) the withdrawal virtual account. The financial account (or online account) processed by the new provision is thereby a valid new financial system capable of all financial transactions corresponding to the financial product. It is treated with.

According to another exemplary embodiment of the present invention, a financial account (or an online account) for a financial account (or an online account) corresponding to the financial product is provided in the financial system, and a financial account (or opened) corresponding to the financial product is provided. An online account) is processed as a virtual account with a withdrawal prevention function associated with the bank account processing mother account, whereby a predetermined amount is deposited into a financial account (or an online account) processed as a virtual account with the withdrawal prevention function. (Or deposit), the new account processor 145 is a financial account (or online account) processed as a virtual account with the withdrawal prevention function in connection with the external and / or information systems provided in the financial system. Canceling the withdrawal prevention function and providing (or erasing) a virtual account function associated with the parent account for the new provision processing, and thereby a financial account (or on) corresponding to the financial product. Line account), whereby the financial account (or on-line account) processed with the new provision is processed into a valid new financial account capable of all financial transactions corresponding to the financial product.

According to the exemplary embodiment of the present invention, the new account processing unit 145 processes the financial account (or online account) corresponding to the financial product as a valid new financial account capable of all financial transactions corresponding to the financial product. The financial receiver (or online account) opening date (or financial product investment start date) corresponding to the financial product is determined by the information receiving unit 170 from the web server 100 and the financial product application information (and / or financial product provisional provisions). The date of receiving the application information, and / or the financial transaction application information, and / or the Internet banking subscription application information, or the financial account (or the bank establishment) corresponding to the financial product on the financial system by the provisional opening unit 165. It is advisable to retroactively apply any one of the dates on which the online account is opened.

FIG. 2 is a diagram illustrating a structure of information of a general ledger for the provision of a new regulation for operating an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, Figure 2 registers for the opening of the online account in the ledger information stored in the predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 for the processing of the new card operating in the form of a rechargeable prepaid card. As shown in the information structure for the ledgers, the online account corresponding to the ledgers by replacing the account ledger information included in the ledgers registered in the ledger D / B with the chargeable prepaid card information. (Or a new account) for a method of processing 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 2 to open the online account in the ledger D / B and to operate the card in the form of a rechargeable prepaid card. It will be possible to infer a variety of information configuration method for the head of the new regulation, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system 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. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be 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 an embodiment of the present invention, the provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 may be provided with the external system and / or information provided in the financial system. In connection with the system, the telephone number of the customer ledger is characterized in that it comprises customer wireless terminal information for processing at least one or more financial transactions in a non-face-to-face manner without a financial certificate.

According to another exemplary embodiment of the present invention, the provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 are provided with an external system and / or provided in the financial system. In conjunction with the information system, the customer ledger includes information on the wireless ledger for processing at least one or more financial transactions in a non-face-to-face manner without financial authorization, and / or the customer ledger and / or the new 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.

According to the invention, the ledger is registered in the form of account ledger linked to the customer ledger in relation to the ledger, the ledger in the form of account ledger is 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 or more of a period, (days), period extension, expiration date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief 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.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Predetermined temporary processing information including the account number (or prepaid card number) for the online account (or false account), the date of establishment of the provisional provision, the expiration of the real name verification, the extension of the real name verification period, and the deposit before the real name verification; And generating and linking the generated trail processing information with additional information corresponding to the trailing director.

Here, the false provisions processing information is preferably generated based on the financial product application information and / or financial product provisional application information received from the customer terminal on the online account processing system shown in FIG.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date on which an online account (or provisional provisional account) corresponding to the financial instrument is opened on the ledger D / B, and corresponds to the financial instrument processed with the provisional provisional processing. If the real name of the customer applying for a financial instrument is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event of difficulty in verifying the real name of the customer applying for the financial product for the online account (or the provisional account) corresponding to the financial product, and / or in the information on the provision of the new provision, the automatic extension agreement for the expiration date of the real name verification is If included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for the financial product for the online account (or a new account) corresponding to the financial product.

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 false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited into the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the account balance of the provisional ledger (e.g., the amount of the chargeable prepaid card) Is matched with

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 provisional regulation (not shown), and / or other ledgers other than the provisional regulation (e.g., , And may be stored in the form of additional information added to the customer ledger, and / or in the form of information included in other ledgers (for example, the customer ledger) other than the provisional ledger, whereby the present invention is not limited thereto.

Referring to FIG. 2, the prepaid card processing unit 160 of the information processing server 140 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system, and charges the prepaid bill of prepaid bill. In order to process the card, the account number included in the ledger is replaced with a predetermined prepaid card number, the product type is replaced by a "rechargeable prepaid card" product, the account interest rate is replaced by 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 (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account, or a new account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

In addition, the prepaid card linked rate is an interest rate for calculating interest on the amount charged to the rechargeable prepaid card according to the interest rate of the online account (or a new account), the prepaid card linked rate is the online account (or After the real name is processed, it is preferable to reduce the interest rate of the new financial account processed by the real name.

The prepaid card PIN may also be used to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without an accredited certificate until the customer confirms the real name of the online account (or false account). As the defined password, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

FIG. 3 is a diagram illustrating the structure of the information of the general ledger for the provision of the new regulation to be operated in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, Figure 3 registers for the new account processing to open the online account and operate in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 As the information structure of the ledgers, the specific information is stored in the ledger D / B registered in the ledger D / B by linking and storing predetermined chargeable prepaid card information in a relational manner. The present invention relates to a method of processing an account (or a new account) 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 3 to establish a preliminary process for opening the online account in the ledger D / B and operating in the form of a rechargeable prepaid card. It will be possible to infer a variety of information configuration method for the head of the new regulation, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 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 ledger, 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. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be 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. In addition, the customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, and a minor.

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 invention, the ledger is registered in the form of account ledger linked to the customer ledger in relation to the ledger, the ledger in the form of account ledger is 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 or more of a period, (days), period extension, expiration date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief 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.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Predetermined information about the online account (or the provisional account), including the account number (or prepaid card number), the date of establishment of the provisional provision, the expiration of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. And generating and linking the generated trail processing information with additional information corresponding to the trail regulation.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

In addition, the date of establishment of the provisional provision of the provisional processing information is the date when the online account (or provisional account) corresponding to the financial instrument is opened on the ledger D / B, and corresponds to the financial instrument processed with the provisional provision. When the real name of the customer applying for the financial instrument is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event of difficulty in verifying the real name of the customer applying for the financial product for the online account (or the provisional account) corresponding to the financial product, and / or in the information on the provision of the new provision, the automatic extension agreement for the expiration date of the real name verification is If included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for the financial product for the online account (or a new account) corresponding to the financial product.

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 false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited in the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the balance of the account of the director of the provisional account (eg, the amount of the prepaid rechargeable card) Matches.

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 provisional regulation (not shown), and / or other ledgers other than the provisional regulation (e.g., , And may be stored in the form of additional information added to the customer ledger, and / or in the form of information included in other ledgers (for example, the customer ledger) other than the provisional ledger, whereby the present invention is not limited thereto.

Referring to FIG. 3, the prepaid card processing unit 160 of the information processing server 140 shown in FIG. 1 is charged with the prepaid bill in advance, in association with the external system and / or information system provided in the financial system. In order to process the card, characterized in that the account number, product type, interest rate, password, etc. contained in the director, deactivation, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information, including card PIN and customer wireless terminal information, characterized in that the processing is stored in association with the additional information of the director.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account, or a new account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

In addition, the prepaid card linked rate is an interest rate for calculating interest on the amount charged to the rechargeable prepaid card according to the interest rate of the online account (or a new account), the prepaid card linked rate is the online account (or After the real name is processed, it is preferable to reduce the interest rate of the new financial account processed by the real name.

The prepaid card PIN may also be used to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without an accredited certificate until the customer confirms the real name of the online account (or false account). As the defined password, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

In addition, the customer wireless terminal information is also used by the customer to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without a certificate until the real name verification of the online account (or false account) It is preferable to correspond to the defined authentication number.

FIG. 4 is a diagram illustrating the provision of new provision processing information and a rechargeable prepaid card information for the provision of new accounts operating in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 4 shows an online account opening and recharge type stored in a predetermined database 410 associated with a predetermined ledger D / B 405 provided in the DBMS 400 on the financial system shown in FIG. As shown in FIG. 4, information structures for new new processing information and rechargeable prepaid card information for a new card operating in the form of a prepaid card, and those skilled in the art, refer to FIG. And / or modified to infer various information structuring methods for storing the provisional processing information and the rechargeable prepaid card information in a predetermined database 410 associated with the ledger D / B 405. It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in the ledger D / B 405 on the DBMS 400 provided on the financial system (eg, financial In the policy of the institution, it is not easy to change the ledger D / B 405 of the DBMS 400, or the system expansion is not easy due to the characteristics of the financial system), and a predetermined database 410 instead of the ledger D / B. ) Shows an implementation method of storing the hidden transaction information and / or the rechargeable prepaid card information, and storing the database 410 in association with the ledger D / B.

Referring to FIG. 4, the database 410 stores the pseudo-processing information and / or rechargeable prepaid card information, and the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the provisional processing information and / or the rechargeable prepaid card information for processing in association with 405.

In FIG. 4, the new provision processing information stored in the database 410 includes the account number for the financial account corresponding to the financial instrument, the date of establishment of the new provision, the expiration date of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. It is characterized by comprising.

Here, the false provisions processing information is preferably generated based on the financial product application information and / or financial product provisional application information received from the customer terminal on the online account processing system shown in FIG.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

In addition, the provisional date of the provisional provision of the new provisional processing information is the date on which the online account (or provisional provisional account) corresponding to the financial product was opened on the ledger D / B 405, and the financial provision processed by the provisional provisional When the real name of the customer applying for the financial product corresponding to the product is confirmed, the financial product corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event of difficulty in verifying the real name of the customer applying for the financial product for the online account (or the provisional account) corresponding to the financial product, and / or in the information on the provision of the new provision, the automatic extension agreement for the expiration date of the real name verification is If included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for the financial product for the online account (or a new account) corresponding to the financial product.

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 false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited in the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the balance of the account of the director of the provisional account (eg, the amount of the prepaid rechargeable card) Matches.

In FIG. 4, the rechargeable prepaid card information stored in the database 410 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. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account, or a new account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

In addition, the prepaid card linked rate is an interest rate for calculating interest on the amount charged to the rechargeable prepaid card according to the interest rate of the online account (or a new account), the prepaid card linked rate is the online account (or After the real name is processed, it is preferable to reduce the interest rate of the new financial account processed by the real name.

The prepaid card PIN may also be used to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without an accredited certificate until the customer confirms the real name of the online account (or false account). As the defined password, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

In addition, the customer wireless terminal information is also used by the customer to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without a certificate until the real name verification of the online account (or false account) It is preferable to correspond to the defined authentication number.

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

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product application user interface to the customer terminal, the predetermined financial product is provided through the financial product application user interface at the client terminal. The application information is input (or selected) and provided to the web server 100 through a predetermined network means, and the web server 100 corresponds to the financial product through the predetermined interface means. The process of providing to the information processing server 140 provided in a financial institution, if the person of ordinary skill in the art to which the present invention belongs, refer to and / or modify this figure 5 Web server in the customer terminal Although it will be possible to infer various implementation methods for providing the financial product application information to the information processing server 140 through 100, the present invention is It includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, the customer terminal provides only the financial product application information to the web server 100, but it is described. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, the web server ( In addition to the financial product application information, the financial instrument application information, and / or financial transaction application information, and / or internet banking subscription application information is provided by the customer terminal in addition to the financial product application information in response to the user interface provided by the customer terminal 100). It may be inferred to the implementation method, but the present invention includes an implementation method for providing the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information in the customer terminal, Thereby, this invention is not limited.

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

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

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the financial product subscription application user interface is used to predetermine a financial product for online subscription of the financial product from the customer terminal. Periodically check whether a request user interface is requested (510), if the financial product request interface is requested from the customer terminal (515), the web server 100 is a predetermined financial product request user to provide to the customer terminal An interface is generated (or extracted from a predetermined web source D / B (not shown)) (520), and the financial instrument application user interface is provided to the mobile terminal through the network means (525).

Thereafter, the client terminal inputs (or selects) predetermined financial product application information through the financial product application user interface (530), wherein the financial product application information is one or more financial products to be purchased (or applied) by the customer. Financial product selection information for selecting a, financial product terms and conditions agreement information corresponding to the financial product, the financial product investment amount information, and preferably comprises at least one or more customer information.

When the financial product application information is input (or selected) as described above, the customer terminal transmits the financial product application information to the web server 100 through the network means (535), the web server 100 The financial product application information is received and stored in a predetermined storage medium 135 (540).

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

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

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

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product application user interface to the client terminal, the predetermined financial product is provided through the financial product application user interface at the client terminal. The application information is input (or selected) and encrypted to be provided to the web server 100 through a predetermined network means, and the financial server application information is decrypted by the web server 100 to provide the finance through a predetermined interface means. The process of providing the product application information to the information processing server 140 provided in the financial institution corresponding to the financial product, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure and And / or modified to provide the financial product application information to the information processing server 140 through the web server 100 in the customer terminal. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, the customer terminal provides only the financial product application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, the web server ( In response to the user interface provided to the customer terminal at 100), the customer terminal provides financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information in addition to the financial product application information. It may be inferred from the implementation method, but the present invention includes an implementation method of providing the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information in the customer terminal, The present invention is not limited by this.

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

Referring to FIG. 6, the customer terminal illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web server 100. At least one web-based service provided by the (605), wherein the web server 100 is a financial product for attracting online subscription of the financial product according to the present invention to the web-based service provided to the customer terminal While providing the information, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the financial product subscription application user interface is used to predetermine a financial product for online subscription of the financial product from the customer terminal. Periodically check whether the request user interface is requested (610), if the financial product request interface is requested from the customer terminal (615), the web server 100 is applied for a predetermined financial product with a predetermined security function A user interface is generated (or extracted from a predetermined web source D / B (not shown)) (620), and the financial instrument application user interface is provided to the mobile terminal through the network means (625).

Here, the security function provided in the financial product application user interface, a function of encrypting the financial product application information input (or selected) from the customer terminal in a predetermined encryption method and / or the financial product application information of the customer It comprises at least one function for attaching an electronic signature, preferably in the form of a security program linked to the financial product application user interface, wherein the security program is at least one for encrypting the financial product application information It is preferable to comprise the encryption key mentioned above.

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

Thereafter, the client terminal inputs (or selects) predetermined financial product application information through the financial product application user interface (630), and the financial product application information is one or more financial products to be purchased (or applied) by the customer. Financial product selection information for selecting the, financial product terms and conditions agreement information corresponding to the financial product, the financial product investment amount information, and preferably comprises at least one or more customer information.

When the financial instrument application information is input (or selected) as described above, the customer terminal encrypts the financial instrument application information according to a predetermined encryption method through a security function provided in the financial instrument application user interface (and / or). Attaching the electronic signature of the customer to the financial product application information) (635), and transmits the encrypted financial product application information to the web server 100 via the network means (640).

The web server 100 which has received the encrypted financial product application information through the network means decrypts the financial product application information by a decryption method corresponding to the encryption method (645), and the decrypted financial product application information. In operation 640, the storage device 410 stores the data in a predetermined storage medium 135.

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

Thereafter, the web server 100 transmits the financial product application information to the information processing server 140 through a predetermined interface means (645), and the information processing server 140 transmits the web through the interface means. The financial product application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account (or a new account) as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined online account (or a new account) on the basis of the financial product application information provided from the web server 100 in the information processing server 140 shown in FIG. A PIN for authenticating a non-face-to-face financial transaction without an accredited certificate through a prepaid rechargeable card corresponding to the online account (or a pseudonym account), and then through a rechargeable prepaid card corresponding to the online account (or the pseudonym account). Or, the process of registering the customer wireless terminal information, if the person of ordinary skill in the field to which the present invention belongs, refer to and / or modify this figure 7 to the information processing server 140 shown in FIG. Based on the financial product application information provided, the online account (or a new account) is processed as a rechargeable prepaid card, and the non-face-to-face is not faced through the rechargeable prepaid card. Various implementation methods for registering a PIN and / or customer wireless terminal information for authenticating a financial transaction of the scheme may be inferred, but the present invention includes all the inferred implementation methods, whereby the present invention is not limited thereto. All.

For example, in FIG. 7, only the financial product application information is provided from the web server 100 to the information processing server 140. However, the present invention may be applied to those skilled in the art. In addition to financial product application information, financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information may be inferred to the information processing server 140. The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information are further provided to the information processing server 140, whereby the present invention is limited. Not.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as a “server” for convenience, and processes at least one or more financial transactions in a non-face-to-face manner without an authorized certificate on the financial product application information received by the server. It is assumed that a personal identification number (PIN) and / or customer radio terminal information is included.

Referring to FIG. 7, at least one financial transaction can be made from the web server 100 shown in FIG. 1 to the server through a process shown in FIG. 4 and / or 5 in a non-face-to-face manner without a predetermined certificate. When the financial product application information including the PIN and / or the customer wireless terminal information for processing is received, the server reads the financial product application information and checks whether it is possible to open a financial account corresponding to the financial product (700). ).

If it is impossible to open a financial account corresponding to the financial product based on the financial product application information (705), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In step 710, the web server 100 transmits the account opening error information to the customer terminal through a predetermined network means (715), thereby ending the financial account provisional procedure based on the financial product application information. do.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (705), the server connects the predetermined financial account corresponding to the financial product application information to the financial system in connection with the financial system. The service is opened with a new provision on the system (720), and the online account (or a new account) is processed as a rechargeable prepaid card in connection with the financial system (725).

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the ledger ledger with rechargeable prepaid card information as shown in FIG. It is desirable to treat the ledger corresponding to an account (or a new account) with a rechargeable prepaid card.

For example, the server replaces the account number included in the 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, 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, the online account (or pseudonym) opened by the pseudonym opening unit 165. It is preferable to treat the ledger corresponding to the account) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational form of predetermined prepaid rechargeable prepaid card information in the ledger, as shown in FIG. It is desirable to treat a ledger corresponding to an account (or a new 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 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. It is preferable to process the ledger corresponding to the online account (or temporary new account) opened by the new provision opening unit 165 as a rechargeable prepaid card by linking and storing the rechargeable prepaid card information.

According to another exemplary embodiment of the present invention, the server stores predetermined rechargeable prepaid card information in a predetermined database 410 linked to the ledger D / B 405 in which the head of the registrar is registered as shown in FIG. As a result, it is preferable to process the ledger corresponding to the online account (or the new account) opened by the new account opening unit 165 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the 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. Storing the prepaid rechargeable card information in a predetermined database 410 linked to the ledger D / B 405 in which the head of the registrar is registered. It is preferable to treat the ledger corresponding to the regulation account with a rechargeable prepaid card.

Thereafter, the server extracts the PIN and / or customer wireless terminal information included in the financial product application information (730), and connects to the online account (or a new account) processed with the rechargeable prepaid card in connection with the financial system. The extracted PIN and / or customer wireless terminal information is registered in the ledger as shown in FIGS. 2 and / or 3 and / or 4 to authenticate the non-face to face financial transaction (735).

8 is a diagram illustrating a real name verification process for an online account (or a provisional account) according to an embodiment of the present invention.

More specifically, FIG. 8 performs a real name verification process for an online account (or a new account) processed by the rechargeable prepaid card through the process shown in FIG. 7 through the online account processing system shown in FIG. As a process for processing into a predetermined new financial account, those of ordinary skill in the art to which the present invention pertains, the online account (or treated with the rechargeable prepaid card) by referring to and / or modifying this figure 8 It will be possible to infer various implementation methods for verifying the real name for a new account), 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. 8, the information processing server 140 on the online account processing system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, The real name of the customer applying for the financial product for the online account (or a new account) in response to the financial product application information in connection with the financial product application information in connection with a telebanking system, a home banking system, and a financial banking system including at least one TV banking system). Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including CD / ATM, Internet banking system, wireless banking system, telebanking system, home banking system, TV) Responding to customer name verification events from financial transaction systems that include at least one banking system In response, it is confirmed (800).

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 you will be familiar with how to verify customer real names for a given financial account through a financial transaction system including at least one banking system, home banking system, and TV banking system, a detailed description thereof will be omitted for convenience.

If the real name of the customer applying for the financial product is not confirmed (805), the server checks whether the real name verification period for the online account (or a new account) has elapsed in response to the financial product application information in connection with the financial system. Check (810).

If the real name verification period for the online account (or the provisional account) has not elapsed in response to the financial product application information (815), the server for the online account (or the provisional account) processed with the rechargeable prepaid card. Repeat the process to verify the customer's real name.

On the other hand, if the real name verification period for the online account (or a new account) has elapsed in response to the financial product application information (815), the server is linked with the financial system to the online account (or The amount deposited in the provisional account) is converted into a predetermined mother account (e.g., the financial account in which the investment amount (or the deposit amount) is deposited in the online account (or the provisional account) corresponding to the financial product application information). In response to the financial product application information, the online account (or a new account) is processed as a dormant account (820).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (805), the server connects the online account (or a hidden account) processed with the rechargeable prepaid card in association with the financial system. In step 825, the online account (or a provisional account) is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, the prepaid card charge is reduced to the account balance, and the prepaid card The interlocking interest rate is reduced to the interest rate of the account, and the prepaid card charge / use details are preferably reduced to the financial transaction details for the account.

Thereafter, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed with the new financial account as the provisional opening date in association with the financial system (835).

9 is a diagram illustrating an online account management system configuration for providing an account transfer service from an online account (or a new account) to an unopened online account according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates an account transfer (or exchange of money) service between an online account (or a new account) registered and processed as a rechargeable prepaid card on the financial system through the online account processing system shown in FIG. The present invention relates to a method of providing a predetermined number, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 9 to open an online account in the online account (or a temporary account). Although various implementation methods for the construction of an online account (or provisional account) operating system for providing a wire transfer service may be inferred, the present invention includes all implementation methods inferred from the above, and is illustrated in FIG. It is not limited to implementation method.

Referring to FIG. 9 according to an embodiment of the present invention, the online account management system may use prepaid card usage information corresponding to an online account (or a new account) registered through the online account processing system shown in FIG. For example, a prepaid card number, a prepaid card charge amount, or a prepaid card use amount, etc.) and at least one customer terminal providing PIN and / or customer wireless terminal information registered to authenticate a non-face-to-face financial transaction through the prepaid card; And a prepaid card usage information and the PIN and / or a customer wireless terminal connected to the customer terminal through a predetermined network means and transmitted from the customer terminal while a predetermined communication channel for providing a web-based service is connected with the customer terminal. Information to initiate a financial transaction corresponding to an online account (or a new account) processed with the rechargeable prepaid card. It is characterized in that it is provided with a financial system in which the online account management server 900 and the online account (or a new account) processed by the rechargeable prepaid card are opened (for example, a new general ledger is provided).

Here, 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 or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; 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, tele Banking, TV banking, etc.) access to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

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.

Further, the financial system may include at least one financial terminal including a Cash Dispenser / Automatic Teller Machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or 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 960 (eg, a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system 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 through at least one wireless terminal 960 (eg, a wireless terminal 960 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide 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 ) 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).

In accordance with the present invention, a customer requesting at least one financial transaction through an online account (or a provisional account) processed with a predetermined interest rate-linked prepaid card is connected to a wired terminal 955 and / or a predetermined wired communication network. The user accesses the online account management server 900 through at least one or more customer terminals of the wireless terminal 960 connected to the wireless communication network, and receives various application services provided by the online account management server 900.

Here, the wired terminal 955 connected to the wired communication network is a generic term for all terminal devices connected to a wired communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP), and a desktop computer connected to the TCP / IP based communication network. And / or at least one notebook, a home appliance terminal (eg, a set-top-box, etc.) connected to the TCP / IP based communication network, a kiosk, etc., connected to the TCP / IP based communication network, or the like. Preferably, the wired terminal 955 includes at least one browser program and / or a messenger program and / or a dedicated banking program for processing a non-face-to-face financial transaction through the wired communication network. desirable.

In addition, the wireless terminal 960 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a mobile Internet based on IEEE 802.16x, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless The wired terminal 955 may include at least one or more browser programs and / or messenger programs for processing non-face-to-face financial transactions through the wireless communication network. It is preferable that a dedicated banking program or the like is provided.

In addition, the online account management server 900 is at least one information / content to the customer terminal including at least one of the wired terminal 955 and / or wireless terminal 960 via the wired communication network and / or wireless communication network. Portal server and / or providing a personalized service, and / or mail service, and / or messenger service, and / or a variety of information providing services, including a search service, and / or minihompy / blog It is preferable to include a search server.

Those skilled in the art to which the present invention pertains, all kinds of web server 100 using a prepaid card on or offline is the online account management server 900, and / or the online account management server Various embodiments of requesting at least one financial transaction through an online account (or a provisional account) processed with an interest rate-linked prepaid card in connection with 900 may be inferred, and thus a detailed description thereof will be omitted for convenience. .

According to the embodiment of the present invention, the online account management server 900 is characterized in that it comprises an interface unit 905 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 955 and / or a wireless terminal 960 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 905 may be configured as described above. Connect a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or wireless network, and use at least one non- It is desirable to provide a communication interface for transmitting and receiving information (or data) for face-to-face financial transactions.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer 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 a predetermined messenger program is provided in the customer terminal, the interface unit 905 connects the communication channel with the customer terminal through a messenger protocol based on the TCP / IP protocol, and defines the messenger program. It provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the messenger protocol.

Or, if the customer terminal is provided with a dedicated banking program provided by the online account management server 900, the interface unit 905 and the customer terminal through a dedicated banking protocol based on the TCP / IP protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using a dedicated banking protocol defined in the dedicated banking program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 960 connected to a predetermined wireless communication network, the interface unit 905 may be configured based on the protocol stack defined in the wireless network. It provides a communication interface for transmitting and receiving information (or data) for at least one or more non-face-to-face financial transactions using a communication protocol defined in a non-face-to-face financial transaction program provided in the client terminal. It is desirable to.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 905 communicates with the customer 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 a predetermined messenger program is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer terminal through a messenger protocol based on at least one or more wireless communication protocols, and defines the messenger program. It provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the messenger protocol.

Or, if the customer terminal is provided with a dedicated banking program provided by the online account management server 900, the interface unit 905 and the customer terminal through a dedicated banking protocol based on at least one or more wireless communication protocols It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the dedicated banking protocol defined in the dedicated banking program.

Referring to FIG. 9, when a predetermined client terminal accesses the online account management server 900 through the interface unit 905, the online terminal (or a new account) is linked to the interface unit 905. Create a predetermined user interface for receiving prepaid card usage information and PIN and / or customer wireless terminal information for providing account transfer service to an unopened online account (or predetermined web source D / B (not shown)) And an online account (or trail) to be input (or selected) through the user interface in the customer terminal in conjunction with the interface providing unit 910 for providing to the customer terminal and interworking with the interface unit 905. Receive certain prepaid card usage information and PIN and / or customer wireless terminal information to provide bank transfer services from an open account to an open online account. Use of a predetermined prepaid card to provide an account transfer service from an online account (or a new account) received through the information receiver 915 through an information receiver 915 and a predetermined financial system to an unopened online account. Access the online account (or false account) processed with a rechargeable prepaid card corresponding to the prepaid card number included in the information, and access the online account (or false account) via the PIN and / or customer wireless terminal information. An authentication processing unit 920 for authenticating a non-face-to-face financial transaction, and at least one finance corresponding to an online account (or a new account) processed with the rechargeable prepaid card according to a prepaid card operating procedure when the non-face-to-face financial transaction is authenticated The online account manager 925 that processes the transaction, and the predetermined prepaid card usage history processed by the online account manager 925 as financial transaction details. And a ledger processing unit 930 for recording in a ledger provided in the financial system.

 According to an exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 955 and / or a wireless terminal 960 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 905 may be configured as described above. At least one of connecting a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or a wireless network and using a predetermined communication protocol defined in a non-face-to-face financial transaction program included in the customer terminal. It is desirable to provide a communication interface for transmitting and receiving information (or data) for the non-face-to-face financial transaction.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer 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 a predetermined messenger program is provided in the customer terminal, the interface unit 905 connects the communication channel with the customer terminal through a messenger protocol based on the TCP / IP protocol, and defines the messenger program. It provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the messenger protocol.

Or, if the customer terminal is provided with a dedicated banking program provided by the online account management server 900, the interface unit 905 and the customer terminal through a dedicated banking protocol based on the TCP / IP protocol It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using a dedicated banking protocol defined in the dedicated banking program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 960 connected to a predetermined wireless communication network, the interface unit 905 may be configured based on the protocol stack defined in the wireless network. Connecting a predetermined communication channel with a terminal, and providing a communication interface for transmitting and receiving information (or data) for at least one or more non-face-to-face financial transactions using a communication protocol defined in a dedicated banking program provided in the customer terminal. desirable.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 905 communicates with the customer 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 a predetermined messenger program is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer terminal through a messenger protocol based on at least one or more wireless communication protocols, and defines the messenger program. It provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the messenger protocol.

Or, if the customer terminal is provided with a dedicated banking program provided by the online account management server 900, the interface unit 905 and the customer terminal through a dedicated banking protocol based on at least one or more wireless communication protocols It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) for non-face-to-face financial transactions using the dedicated banking protocol defined in the dedicated banking program.

The interface providing unit 910 has a functional configuration (eg, provided in the customer terminal) when a predetermined communication channel is connected between a predetermined customer terminal and the online account management server 900 through the interface unit 905. , Pre-paid card usage information and PINs and / or to provide bank transfer services from the online account (or a new account) to an unopened online account in response to a browser program, a messenger program, or a dedicated banking program). Generate a predetermined user interface capable of inputting (or selecting) customer wireless terminal information and transmitting it to the online account management server 900 via the network means, and / or extract from a predetermined database (not shown), The user who is generated (or extracted from a predetermined web source D / B (not shown)) in conjunction with the interface unit 905 It characterized in that it provides an interface to the customer terminal through the network means.

Thereafter, the client terminal receives predetermined prepaid card usage information and PIN and / or customer wireless terminal information for providing an account transfer service from the online account (or a new account) to an unopened online account based on the user interface. Predetermined prepaid card usage information and PIN and / or customer wireless terminal information for input (or selection), and for providing a wire transfer service from the input (or selection) online account (or provisional account) to an open account. To the online account management server 900 via the network means.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 955 and / or a wireless terminal 960 connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 910 Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided by a browser program and / or a messenger program and / or a dedicated banking program included in the customer terminal, and the interface unit It is desirable to provide the user terminal with the user interface generated (or extracted from a predetermined web source D / B (not shown)) through 905.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 960 connected to a predetermined wireless communication network, the interface providing unit 910 may include a browser program and / or provided in the customer terminal. Generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided by a messenger program and / or a dedicated banking program, and generate the generated (or predetermined web) through the interface unit 905. It is desirable to provide a user interface extracted from a source D / B (not shown) to the customer terminal.

According to an embodiment of the present invention, the prepaid card use information for providing an account transfer service from the customer terminal to a non-opened online account from a predetermined online account (or a new account) in the online account management server 900. And a user interface provided to receive (or select) PIN and / or customer wireless terminal information, a search service comprising at least one information / content, and / or a personalization service including a minihompy / blog; Or a paid content payment interface to a portal server and / or a search server that provides a mail service, and / or a messenger service, and / or various information providing services.

In addition, in the online account management server 900, predetermined prepaid card usage information and PIN and / or customer for providing an account transfer service from a predetermined online account (or a new account) to an unopened online account from the customer terminal. Preferably, the user interface provided to receive (or select) wireless terminal information includes a purchase payment interface of at least one or more Internet shopping malls (eg, online sales, auctions, reverse auctions, etc.).

In addition, in the online account management server 900, predetermined prepaid card usage information and PIN and / or customer for providing an account transfer service from a predetermined online account (or a new account) to an unopened online account from the customer terminal. Preferably, the user interface provided to receive (or select) wireless terminal information includes a utility payment interface for at least one utility payment service.

In addition, in the online account management server 900, predetermined prepaid card usage information and PIN and / or customer for providing an account transfer service from a predetermined online account (or a new account) to an unopened online account from the customer terminal. The user interface provided for receiving (or selecting) wireless terminal information includes a financial transaction interface for transferring a predetermined amount of money from the online account (or a new account) to at least one other financial account (e.g., microtransfer). It is preferable to comprise a.

The information receiving unit 915 may use predetermined prepaid card information and PIN and / or information for providing an account transfer service from a predetermined online account (or a new account) to an unopened online account through the user interface at the customer terminal. When the customer wireless terminal information is input (or selected) and transmitted through the network means, an interface for providing an account transfer service from the online account (or a new account) to an unopened online account in conjunction with the interface unit 905 is provided. Receiving predetermined prepaid card use information and PIN and / or customer wireless terminal information, and predetermined prepaid for providing an account transfer service from the received online account (or new account) to an unopened online account The card usage information and the PIN and / or the customer wireless terminal information are provided to the authentication processor 920.

The authentication processing unit 920 uses a predetermined prepaid card to provide an account transfer service from an online account (or a new account) received through the information receiving unit 915 to an unopened online account in connection with a predetermined financial system. Access to an online account (or a new account) processed with the rechargeable prepaid card on the financial system via information (e.g., a prepaid card number).

When accessing an online account (or a provisional account) processed by the rechargeable prepaid card on the financial system through the prepaid card use information (eg, a prepaid card number), the authentication processor 920 is connected to the received PN. Compare and authenticate the prepaid card PIN provided in the ledger corresponding to the online account (or the provisional account) processed with the rechargeable prepaid card, and / or the online processed with the received customer wireless terminal information and the rechargeable prepaid card. By comparing and authenticating customer wireless terminal information provided in the ledger corresponding to the account (or the provisional account), the non-face-to-face financial transaction for the online account (or the provisional account) is authenticated.

When the non-face-to-face financial transaction authentication of the online account (or a provisional account) processed by the authentication processing unit 920 with the rechargeable prepaid card, the online account management unit 925 performs the rechargeable prepaid according to the prepaid card operating procedure. At least one financial transaction corresponding to the online account (or a new account) processed by the card is characterized by processing.

According to an embodiment of the present invention, when the prepaid card number and the prepaid card charge amount are included in the prepaid card usage information, the online account manager 925 may be connected to the rechargeable prepaid card in association with the financial system. It is characterized in that for charging the prepaid card charge amount, wherein charging the charge amount to the rechargeable prepaid card, deposit (or other) the amount corresponding to the prepaid card charge amount to the online account (or a new account) It corresponds to a financial transaction).

In addition, when the prepaid card use information includes the prepaid card number and the prepaid card use amount, the online account manager 925 uses the prepaid card among the amounts charged in the rechargeable prepaid card in connection with the financial system. Characterized in that the balance is used, wherein the use of the prepaid card use of the amount charged to the rechargeable prepaid card, the prepaid card used amount of the amount deposited in the online account (or a new account) Corresponds to a financial transaction that withdraws (or transfers to another financial account) an amount corresponding to

When at least one financial transaction corresponding to the online account (or a provisional account) processed by the online prepaid account card 925 is processed, the ledger processing unit 930 includes the prepaid card usage history. Create a financial transaction history that can be stored in the transaction history defined in the ledger on the financial system, and the ledger (eg, rechargeable prepaid card) provided on the financial system the financial transaction history, including the prepaid card usage history It is characterized in that it is stored in the transaction history information corresponding to the online account (or the provisions of the new provisions corresponding to the provisional provision account) processed as.

According to the present invention, the online account (or the prepaid card usage information) is transferred to the prepaid card use information for an account transfer service between the online account (or a new account) processed with the rechargeable prepaid card through the online account processing system shown in FIG. The prepaid card exchange amount corresponding to the prepaid card number corresponding to the prepaid card) and the online transfer amount (or the prepaid account) and the prepaid card exchange amount corresponding to the prepaid card exchange amount (or the prepaid card exchange amount) When the exchange prepaid card number corresponding to the online account (or the provisional account) to be charged) is included, the online account management unit 925 is linked with the financial system to the online account (or the provisional account). Balance the withdrawal amount of the prepaid card among the amounts charged to the prepaid card corresponding to It is characterized in that the prepaid card subject to the exchange corresponding to the online account (or a new account) subject to the left transfer.

According to the present invention, in order to provide an account transfer service from an online account (or a new account) processed with the rechargeable prepaid card to a predetermined non-opened online account through the online account processing system shown in FIG. The account management server 900 transfers the prepaid card number corresponding to the online account (or the provisional account) and the amount of money to be transferred from the online account (or the provisional account) to an unopened online account through the information receiver 915. The unopened online account customer information (e.g., a customer social security number, a customer mobile number, or a web server 100 in which the online account is opened) corresponding to the transfer amount corresponding to the bank account and the open online account to which the transfer amount is transferred. When the prepaid card usage information including the member ID information of the provided customer is received, the non-opened information included in the prepaid card usage information is received. The online account corresponding to the customer information is not opened by reading the online account customer information (for example, the customer social security number, the customer mobile number, or the member ID information of the customer provided in the web server 100 in which the online account is opened). Information confirmation unit 935 for checking whether the online account corresponding to the unopened online account customer information is not yet opened, and a predetermined virtual corresponding to the unopened online account customer information in association with the financial system. It is characterized in that it comprises a virtual account processing unit 940 for opening the account to the transfer amount included in the prepaid card use information to deposit the virtual account.

If the information check unit 935 confirms that the unopened online account customer information included in the prepaid card use information through the online account processing system shown in FIG. 1 (eg, a customer social security number, a customer mobile number, or online) If an online account corresponding to the member ID information of the customer provided in the web server 100 in which the account is opened is already opened, the information checking unit 935 prepays the payment through the online account operation unit 925. The financial transaction corresponding to the card usage information is converted into an account transfer service between an online account (or a new account) and processed.

On the other hand, as a result of the confirmation of the information verification unit 935, through the online account processing system shown in FIG. 1, unopened online account customer information included in the prepaid card use information (for example, a customer social security number, a customer mobile number, or online If the online account corresponding to the member ID information of the customer provided in the web server 100 in which the account is opened is not yet established, the virtual account processing unit 940 is linked with the financial system to open the non-opened online account. It is characterized by opening a predetermined virtual account corresponding to the customer information.

If the person having ordinary knowledge in the technical field to which the present invention belongs, the virtual account processing unit 940 in conjunction with the financial system, the customer social security number, or customer mobile phone number, or online account included in the unopened online account customer information Since you will be familiar with the technical features of opening a virtual account associated with a predetermined parent account (for example, a financial institution mother account) using the member ID information of the customer provided in the web server 100 opened, a detailed description thereof. Is omitted for convenience.

When a predetermined virtual account corresponding to the non-opened online account customer information is opened, the virtual account processing unit 940 defines the virtual account as a prepaid card destination, and prepays the transfer amount included in the prepaid card usage information. It is characterized in that the balance is deposited from the prepaid card information included in the card usage information to the virtual account.

According to the present invention, in order to provide an account transfer service from an online account (or a new account) processed with the rechargeable prepaid card to a predetermined non-opened online account through the online account processing system shown in FIG. The account management server 900 opens a predetermined virtual account corresponding to the unopened online account customer information through the virtual account processing unit 940 and deposits a transfer amount included in the prepaid card usage information into the virtual account. And an online account checking unit 945 for checking whether a predetermined online account (or a temporary account) corresponding to the virtual account is opened through the online account processing system shown in FIG. 1. .

As a result of the check, when a predetermined online account (or a new account) corresponding to the virtual account is opened through the online account processing system shown in FIG. 1, the online account manager 925 is connected with the financial system. The amount of money deposited in a predetermined virtual account corresponding to the unopened online account customer information may be transferred to a newly opened online account (or a new account) corresponding to the unopened online account customer information.

FIG. 10 is a diagram illustrating an online account (or false account) operating process of charging a predetermined amount to an online account (or false account) before real name verification according to an embodiment of the present invention.

In more detail, in FIG. 10, when depositing a predetermined amount into an online account (or a new account) processed as a rechargeable prepaid card through the online account management system shown in FIG. A process for depositing the deposit amount into the online account (or a provisional account) by processing as a recharge amount for a payment, specifically, a predetermined amount from a predetermined financial account (for example, a real account provided in the financial system). And withdraw the money and charge the rechargeable prepaid card, thereby depositing the amount into the online account (or a new account).

For example, in the implementation method illustrated in FIG. 10, when the online account (or a new account) is a pocket account and / or a family account, the pocket account and / or the parent account corresponding to the real account included in the financial system. Alternatively, the embodiment relates to depositing a predetermined amount into an online account (or a new account) corresponding to a family account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to infer various implementation methods for operating an online account (or a new account) processed with the rechargeable prepaid card. As will be appreciated, the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 10, the online account management server shown in FIG. 1 is referred to as "server" for convenience, and the customer terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the customer wireless terminal information shown in FIG. For convenience, it is called "MIN (Mobile Identification Number)".

Referring to FIG. 10, the terminal connects to the server through a predetermined network means and charges prepaid through the online account processing system shown in FIG. 9 from a predetermined financial account corresponding to a real account included in the financial system. When requesting a financial transaction for depositing a predetermined amount into an online account (or a pseudonym account) processed by a card (1000), the server determines the financial account information corresponding to the requested financial transaction, the online account (or a pseudonym). Generate a predetermined web page including a user interface for inputting (or selecting) prepaid card information corresponding to the account), a deposit amount (or prepaid card recharge amount), and a PIN / MIN for authenticating the non-face-to-face financial transaction; In operation 10010, the generated webpage is transmitted to the terminal through the network means.

Then, the terminal through the user interface included in the web page, the financial account information, the prepaid card information corresponding to the online account (or a new account), the deposit amount (or prepaid card charge amount) and the non-face-to-face A PIN / MIN for authenticating a financial transaction is input (or selected) (1015), the input (or selected) the financial account information, the prepaid card information corresponding to the online account (or a new account), the deposit amount (Or prepaid card charge amount) and a PIN / MIN for authenticating the non-face-to-face financial transaction to the server through the network means (1020).

According to an embodiment of the present invention, the financial account information, the prepaid card information corresponding to the online account (or the provisional account), the deposit amount (or the prepaid card charge amount) and the PIN / to authenticate the non-face-to-face financial transaction The MIN is encrypted using at least one encryption method (eg, symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.). It is preferably transmitted to a server, in which case the prepaid card information corresponding to the financial account information, the online account (or a new account), the deposit amount (or prepaid card charge amount) and the non-face-to-face financial transaction for authentication PIN / MIN is at least one decryption scheme (e.g., symmetric key (or secret key) encryption scheme, and / or public key encryption scheme, and / or electronic envelope) at the server. Encryption method, and / or key exchange encryption method, etc.).

The server receiving the financial account information, the prepaid card information corresponding to the online account (or a new account), the deposit amount (or prepaid card charge amount) and the PIN / MIN for authenticating the non-face-to-face financial transaction, Access 1025 the prepaid card information (e.g., the prepaid card number) corresponding to the received online account (or the provisional account) through the prepaid card (or the provisional account) processed by the rechargeable prepaid card on the financial system (1025). The validity of the PIN / MIN is verified by comparing the received PIN / MIN with a PIN / MIN provided in the ledger corresponding to the online account (or a new account) processed with the accessed rechargeable prepaid card ( 1030).

If the validity of the PIN / MIN is not authenticated (eg, the received PIN / MIN does not match the PIN / MIN on the ledger) (1035), the server generates the PIN / MIN validity error information. And transmits the requested financial transaction to the terminal through the network means (1040).

On the other hand, if the validity of the PIN / MIN is authenticated (eg, when the received PIN / MIN and the PIN / MIN on the ledger coincide) (1035), the server prepays the real account corresponding to the financial account information. After the card is charged into the account, and the deposit amount is processed into the prepaid card charge amount (1045), the prepaid card charge amount is withdrawn from the prepaid card charge account and charged to the rechargeable prepaid card (1050).

If the charge amount is charged to the rechargeable prepaid card (1055), the server generates a predetermined financial transaction history including the prepaid card charge history for the rechargeable prepaid card in conjunction with the financial system, the financial system By recording the generated financial transaction details in the ledger in association with the ledger (1060), a predetermined amount is transferred to the online account (or pseudonym account) before the real name verification before the real name verification of the online account (or pseudonym account). Complete the charging financial transaction.

11 is a diagram illustrating a process of operating an online account (or a pseudonym account) in which an amount deposited in an online account (or a pseudonym account) is withdrawn to another financial account and transferred to the account before real name verification according to an embodiment of the present invention. .

In more detail, FIG. 11 illustrates the withdrawal of a predetermined amount from an online account (or a new account) processed with a rechargeable prepaid card through the online account management system shown in FIG. U to another financial account (or real account). In the case of a transfer, the withdrawal amount is treated as balancing (or using) the amount charged to the rechargeable prepaid card, and withdrawing the withdrawal amount to the online account (or a new account) to another financial account (or a real account). Account transfer to the financial account (for example, the financial account) (e.g., the financial account (or the real account) to the charge prepaid card using the credit card prepaid account) By balancing with the real account provided in the system, the amount of money deposited in the online account (or a new account) is withdrawn. It is for the exemplary method of transfer.

For example, the implementation method shown in FIG. 11 relates to an embodiment in which the online account (or a provisional account) is used for payment processing such as online payment and / or utility payment through an amount deposited.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to infer various implementation methods of operating an online account (or a new account) processed with the rechargeable prepaid card. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 11, the online account management server shown in FIG. U is referred to as "server" for convenience, and the customer terminal shown in FIG. U is called "terminal" for convenience, and the customer wireless terminal information shown in FIG. For convenience, it is called "MIN (Mobile Identification Number)".

Referring to FIG. 11, the terminal accesses the server through a predetermined network means, and the amount deposited in an online account (or a new account) processed with a rechargeable prepaid card through the online account processing system shown in FIG. When requesting a financial transaction to transfer a predetermined financial account corresponding to a real account provided in the financial system (1100), the server provides the financial account information corresponding to the requested financial transaction, the online account (or trail). A predetermined web page including a user interface for inputting (or selecting) a prepaid card information corresponding to a specific account), a withdrawal amount (or a prepaid card use amount), and a PIN / MIN for authenticating the non-face-to-face financial transaction. In operation 1105, the generated webpage is transmitted to the terminal through the network means.

Then, the terminal through the user interface included in the web page, the financial account information, the prepaid card information corresponding to the online account (or a new account), withdrawal amount (or prepaid card use amount) and the non-face-to-face A PIN / MIN for authenticating a financial transaction is input (or selected) (1115), the input (or selected) the financial account information, the prepaid card information corresponding to the online account (or a new account), withdrawal amount (Or a prepaid card amount used) and a PIN / MIN for authenticating the non-face-to-face financial transaction to the server through the network means (1120).

According to the method of the present invention, the prepaid card information corresponding to the financial account information, the online account (or a provisional account), the withdrawal amount (or the prepaid card use amount) and the PIN / to authenticate the non-face-to-face financial transaction The MIN is encrypted using at least one encryption method (eg, symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.). It is preferably transmitted to a server, in which case the prepaid card information corresponding to the financial account information, the online account (or a new account), the withdrawal amount (or the prepaid card use amount) and the non-face-to-face financial transaction for authentication. PIN / MIN is at least one decryption scheme (e.g., symmetric key (or secret key) encryption scheme, and / or public key encryption scheme, and / or electronic envelope) at the server. Encryption method, and / or key exchange encryption method, etc.).

The server receiving the financial account information, prepaid card information corresponding to the online account (or a new account), withdrawal amount (or prepaid card use amount), and a PIN / MIN for authenticating the non-face-to-face financial transaction, Access (1125) an online account (or a new account) processed with a rechargeable prepaid card on the financial system through the prepaid card information (eg, a prepaid card number) corresponding to the received online account (or a new account); The validity of the PIN / MIN is verified by comparing the received PIN / MIN with a PIN / MIN provided in the ledger corresponding to the online account (or a new account) processed with the accessed rechargeable prepaid card ( 1130).

If the validity of the PIN / MIN is not authenticated (eg, if the received PIN / MIN does not match the PIN / MIN on the ledger) (1135), the server generates the PIN / MIN validity error information. Send to the terminal via the network means (1140) and stop the requested financial transaction.

On the other hand, if the validity of the PIN / MIN is authenticated (eg, when the received PIN / MIN and the PIN / MIN on the ledger coincide) (1135), the server prepays the real account corresponding to the financial account information. After the card is used (for example, the amount charged to the prepaid card according to the prepaid card use procedure), and the withdrawal amount is processed as the prepaid card use amount for the prepaid card destination (1145). Balance the amount corresponding to the prepaid card use amount among the amounts charged to the rechargeable prepaid card in association with a financial system, and withdraw the amount with the prepaid card using account (eg, prepaid according to the prepaid card use procedure). The prepaid card using procedure of depositing the amount charged in the card is to be used (1150).

If the prepaid card usage procedure in which the amount charged in the rechargeable prepaid card is deposited into the prepaid card use account is completed (1155), the server includes prepaid card usage history for the rechargeable prepaid card in association with the financial system. By generating a predetermined financial transaction history and recording the generated financial transaction history in the ledger in association with the financial system (1160), the online account (or Complete the financial transaction of account transfer by withdrawing the amount deposited in the new account) to another financial account.

FIG. 12 is a diagram illustrating a process of operating an online account (or a provisional account) for providing an account transfer service between an online account (or a provisional account) before real name verification according to an embodiment of the present invention.

More specifically, FIG. 12 withdraws a predetermined amount from an online account (or a new account) processed with a rechargeable prepaid card through the online account management system shown in FIG. 9 to another online account (or a new account). In the case of direct account transfer, the exchange amount is treated as balancing (or using) the amount charged on the rechargeable prepaid card, and withdrawing the exchange amount to the online account (or a new account) to transfer the exchange amount to another online account ( Or a bank transfer account, and specifically, the other online account (or a new bank account) is processed by using the rechargeable prepaid card so that the amount charged to the rechargeable prepaid card is transferred to the other online account (or By balancing with a prepaid card corresponding to a new account) It is about the method of carrying out the withdrawal of the amount and transferring the account.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 12 to provide an online account (or false account) for providing an account transfer service between online accounts (or false account) prior to real name verification. Various implementation methods to be operated may be inferred, but the present invention includes 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 refer to the online account (or trail), such as an inter-citizen account transfer service using an online account opened on the mini-hompy by referring to and / or modifying the drawing 12. While it may be possible to infer various online account (or provisional account) operating processes for providing account transfer services between regulation accounts, the present invention is characterized by including all the inferred implementation methods.

In addition, if a person of ordinary skill in the art to which the present invention pertains, a prepaid card corresponding to another online account (or a new account) which is processed with reference to this drawing 12 and / or modified to use the rechargeable prepaid card is It is possible to infer an implementation method provided in another financial system in addition to the financial system, but the present invention is characterized by including all the inferred implementation methods.

Hereinafter, in FIG. 12, the online account management server shown in FIG. 9 is referred to as "server" for convenience, the customer terminal shown in FIG. 9 is referred to as "terminal" for convenience, and the first prepaid card is called "first prepaid card." The prepaid card corresponding to another online account (or a provisional account) in which a predetermined exchange amount is exchanged from the first prepaid card is referred to as a "second prepaid card", and the customer wireless terminal shown in FIG. The information is referred to as "Mobile Identification Number" (MIN) for convenience.

Referring to FIG. 12, the terminal accesses the server through a predetermined network means and deposits the amount of money deposited into an online account (or a new account) processed by a rechargeable prepaid card through the online account processing system shown in FIG. When a financial transaction is requested to be transferred to a predetermined second prepaid card corresponding to a real account provided in the financial system (1200), the server requests the second prepaid card information corresponding to the requested financial transaction, the first prepaid card. Generate a predetermined web page including a prepaid card information, a prepaid card exchange amount, and a user interface for inputting (or selecting) a PIN / MIN for authenticating the non-face-to-face financial transaction (1205); It transmits to the terminal via the network means (1210).

According to an embodiment of the present invention, the second prepaid card information preferably includes a second prepaid card number registered through the online account processing system shown in FIG. 9, and corresponds to the second prepaid card. When an online account (or a new account) is provided in a predetermined web server 100 such as a mini homepage, account information (eg, a member) of a customer corresponding to the second prepaid card provided in the web server 100 is provided. ID information), and the present invention is not limited thereto.

Thereafter, the terminal inputs the second prepaid card information, the first prepaid card information, the prepaid card exchange amount, and a PIN / MIN for authenticating the non-face-to-face financial transaction through the user interface included in the web page (or 1215, through the network means, the input (or selected) the second prepaid card information, the first prepaid card information, the prepaid card exchange amount, and a PIN / MIN for authenticating the non-face-to-face financial transaction. And transmits to the server (1220).

According to an embodiment of the present invention, the second prepaid card information, the first prepaid card information, the prepaid card exchange amount, and the PIN / MIN for authenticating the non-face-to-face financial transaction include at least one encryption method (eg, a symmetric key). (Or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.). 2 The prepaid card information, the first prepaid card information, the prepaid card exchange amount, and the PIN / MIN for authenticating the non-face-to-face financial transaction are at least one decryption method (eg, a symmetric key (or secret key) encryption method, at the server); And / or public key cryptography, and / or electronic envelope cryptography, and / or key exchange cryptography, etc.).

The server receiving the second prepaid card information, the first prepaid card information, the prepaid card exchange amount, and the PIN / MIN for authenticating the non-face-to-face financial transaction, may receive the received first prepaid card information (eg, first prepaid). Card number) to access an online account (or a provisional account) processed with a rechargeable prepaid card on the financial system (1225), and the received PIN / MIN and an online account processed with the accessed rechargeable prepaid card (or By comparing the PIN / MIN provided in the ledger corresponding to the new account), the validity of the PIN / MIN is verified (1230).

If the validity of the PIN / MIN is not authenticated (eg, the received PIN / MIN does not match the PIN / MIN on the ledger) (1235), the server generates the PIN / MIN validity error information. It transmits to the terminal through the network means (1240) and stops the requested financial transaction.

On the other hand, if the validity of the PIN / MIN is authenticated (e.g., if the received PIN / MIN and the PIN / MIN on the ledger coincide) (1235), the server sends the second prepaid card information (e.g., second prepaid). Through the card number) to access the online transfer target account (or temporary account) processed by the rechargeable prepaid card on the financial system (1245), and the amount of the prepaid card exchange of the amount charged on the first prepaid card Verify the amount exchange validity to confirm that the amount corresponding to can be exchanged and recharged to the second prepaid card corresponding to the online transfer target online account (or a new account) processed with a rechargeable prepaid card on the financial system. (1250).

According to the method of the present invention, the amount exchange validity is a process of confirming whether the online account (or a provisional account) corresponding to the second prepaid card is a provisional account before real name verification or a real name verified real account. It is preferable to comprise a.

If the money exchange validity is not authenticated (e.g., if the online account (or pseudonym account) corresponding to the second prepaid card is a real name verified) (1255), the server provides predetermined money exchange validity error information. Generate and transmit to the terminal through the network means (1260), and then the terminal terminates the transfer service between the online account (or a provisional account), or the online account (or trail) shown in FIG. The process of transferring a predetermined amount to a financial account corresponding to the real account confirmed through the account transfer process between the real account) and the real account.

On the other hand, if the amount exchange validity is not authenticated (e.g., if the online account (or temporary account) corresponding to the second prepaid card is a valid temporary new account before real name verification) (1255), the server prepays the second prepaid card. Process an online account (or a new account) corresponding to the information to the prepaid card destination (e.g., the amount charged to the first prepaid card according to the prepaid card use procedure); and the exchange amount is prepaid. After processing with the prepaid card use amount for the card use place (1265), the amount corresponding to the prepaid card use amount among the amounts charged in the first prepaid card in connection with the financial system is withdrawn and the withdrawn Use a prepaid card that deposits an amount into the prepaid card usage account (e.g., the amount charged to the prepaid card will be used according to the prepaid card usage procedure). It performs the car 1270.

If the prepaid card usage procedure in which the amount charged in the first prepaid card is deposited into the prepaid card use account is completed (1275), the server connects with the financial system to prepaid card usage history for the first prepaid card. By generating a predetermined financial transaction history including a, and recording the generated financial transaction history in the ledger in association with the financial system (1280), before the real name confirmation of the online account (or a new account) the online Complete a financial transaction that provides account transfer services between accounts (or new accounts).

FIG. 13 is a diagram illustrating a process of operating an online account (or a provisional account) for providing an account transfer service from an online account (or a provisional account) to an unopened online account before real name verification according to an embodiment of the present invention.

In more detail, in FIG. 13, when the withdrawal of a predetermined amount from an online account (or a new account) processed with a rechargeable prepaid card through the online account management system shown in FIG. The transfer amount is treated as balancing (used or used) the amount charged in the rechargeable prepaid card, withdrawing the transfer amount to the online account (or a new account) and transferring the account to an open account. Specifically, the online account (or a new account) by processing the unopened online account with the rechargeable prepaid card and balancing the amount charged in the rechargeable prepaid card with a prepaid card corresponding to the unopened online account. It is about the method of conducting the withdrawal of the money deposited in

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to provide an account transfer service from an online account (or a new account) to an unopened online account before verification of real name. Various implementation methods of operating an account (or a new account) may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to the online account (or trail), such as an inter-citizen account transfer service using an online account opened on the minihompy by referring to and / or modifying the drawing 13. It can be inferred from the operation process of various online accounts (or provisional accounts) that provide account transfer service from the open account to the open account, but the present invention is characterized by including all the inferred implementation method .

In addition, if one of ordinary skill in the art to which the present invention pertains, a prepaid card corresponding to an unopened online account which is processed with reference to the drawing 13 and / or modified by using the rechargeable prepaid card is different from the financial system. Although it may be possible to infer an implementation method provided in the financial system, the present invention is characterized by including all the inferred implementation methods.

Hereinafter, in FIG. 13, the online account management server shown in FIG. 9 is referred to as "server" for convenience, and the customer terminal shown in FIG. 9 is called "terminal" for convenience, and the customer wireless terminal information shown in FIG. For convenience, it is called "MIN (Mobile Identification Number)".

Referring to FIG. 13, the terminal accesses the server through a predetermined network means and deposits the amount of money deposited into an online account (or a new account) processed by a rechargeable prepaid card through the online account processing system shown in FIG. Requesting a financial transaction to transfer the transaction to the unopened online account (1300), the server requests the unopened online account customer information, the prepaid card information, the transfer amount, and the non-face-to-face financial transaction corresponding to the requested financial transaction. A predetermined webpage including a user interface for inputting (or selecting) a PIN / MIN for authentication is generated (1305), and the generated webpage is transmitted to the terminal through the network means (1310).

According to an embodiment of the present invention, the non-opened online account customer information includes at least one member's social security number, a customer's mobile number, or member ID information of a customer provided in the web server 100 in which the online account is opened. It is preferable.

Thereafter, the terminal inputs (or selects) the non-opened online account customer information, prepaid card information, transfer amount and PIN / MIN for authenticating the non-face-to-face financial transaction through the user interface included in the web page. (1315), the input (or selected) the open online account customer information, prepaid card information, transfer amount and PIN / MIN for authenticating the non-face-to-face financial transaction to the server via the network means ( 1320).

According to an embodiment of the present invention, the unopened online account customer information, prepaid card information, transfer amount, and PIN / MIN for authenticating the non-face-to-face financial transaction may include at least one encryption method (eg, a symmetric key (or a secret key). E) encrypted and / or public key cryptographic, and / or electronic envelope cryptographic, and / or key exchange cryptographic) and transmitted to the server. Information, prepaid card information, transfer amount, and PIN / MIN for authenticating the non-face-to-face financial transaction are at least one decryption method (eg, symmetric key (or secret key) encryption method, and / or public key encryption method) at the server. , And / or electronic envelope encryption scheme, and / or key exchange encryption scheme, etc.).

The server that receives the non-opened online account customer information, prepaid card information, transfer amount, and PIN / MIN for authenticating the non-face-to-face financial transaction, the server through the received prepaid card information (eg, prepaid card number) Access an online account (or false account) processed with a rechargeable prepaid card on the system (1325) and correspond to the received PIN / MIN and an online account (or false account) processed with the accessed rechargeable prepaid card; By comparing the PIN / MIN provided in the ledger, the validity of the PIN / MIN is checked (1330).

If the validity of the PIN / MIN is not authenticated (eg, the received PIN / MIN does not match the PIN / MIN on the ledger) (1335), the server generates the PIN / MIN validity error information. It transmits to the terminal via the network means (1340) and stops the requested financial transaction.

On the other hand, if the validity of the PIN / MIN is authenticated (e.g., if the received PIN / MIN and the PIN / MIN on the ledger match) (1335), the server opens an unopened online account included in the prepaid card usage information. The online account shown in FIG. 9 on the financial system based on the customer information (e.g., the customer social security number, the customer mobile number, or the member ID information of the customer provided in the web server 100 in which the online account is opened). The processing system checks whether a predetermined online account corresponding to the unopened online account customer information is already established (1345).

If a predetermined online account corresponding to the unopened online account customer information is already established through the online account processing system shown in FIG. 9 on the financial system (1350), the server is connected to the financial system. By extracting online account information (or second prepaid card information shown in FIG. 12) corresponding to the unopened online account customer information (1355) and performing the process shown in FIG. 12B, the online account (or The process of transferring from a new account to a non-opened online account is replaced by a process of transferring money between an online account (or a new account).

On the other hand, if a predetermined online account corresponding to the unopened online account customer information has not yet been established on the financial system through the online account processing system shown in FIG. 9 (1350), the server may open an unopened online account customer. Corresponding to the unopened online account customer information on the financial system through information (for example, a customer social security number, a customer mobile number, or a member ID information of the customer provided in the web server 100 in which the online account is opened). A predetermined virtual account is opened (1360).

If the person having ordinary knowledge in the technical field to which the present invention belongs, the virtual account processing unit 940 in conjunction with the financial system, the customer social security number, or customer mobile phone number, or online account included in the unopened online account customer information Since you will be familiar with the technical features of opening a virtual account associated with a predetermined parent account (for example, a financial institution mother account) using the member ID information of the customer provided in the web server 100 opened, a detailed description thereof. Is omitted for convenience.

If a predetermined virtual account corresponding to the unopened online account customer information is opened (1365), the server uses the prepaid card destination (for example, using a prepaid card) to open the virtual account opened corresponding to the unopened online account customer information. The amount charged to the prepaid card according to the procedure) and the transfer amount as the prepaid card use amount for the prepaid card destination (1370). The amount of money charged to the prepaid card in accordance with the prepaid card use procedure (for example, the prepaid card use procedure) is withdrawn by balancing the amount corresponding to the prepaid card use amount among the amounts charged to the prepaid card. The procedure for using a prepaid card, which deposits to the virtual account corresponding to the object to be used, is performed (1375).

If the prepaid card usage procedure of depositing the prepaid card into the prepaid card use account is completed (1380), the server may include a prepaid card usage history for the prepaid card in association with the financial system. Generating the financial transaction details of the online account and recording the generated financial transaction details in the ledger in association with the financial system (1385), thereby verifying the online account (or a new account) before real name verification of the online account (or a new account). Account) to complete a financial transaction that provides a bank transfer service from an open online account.

14 is a diagram illustrating a process of operating an online account (or a new account) for transferring an amount deposited in a virtual account corresponding to an unopened online account to a new online account (or a new account) according to an embodiment of the present invention. to be.

In more detail, in FIG. 14, a virtual account corresponding to the unopened online account customer information is opened in a process of transferring from an online account (or a new account) shown in FIG. 13 to an unopened online account, and the virtual account. When the amount to be transferred to the open online account is deposited, check whether an online account (or a new account) corresponding to the open online account customer information is newly opened through the online account processing system shown in FIG. And a process of operating an online account (or a new account) that transfers the amount deposited in the virtual account to the newly opened online account (or a new account), and specifically corresponds to the unopened online account. Transfer the virtual account to the charging account of the new prepaid card corresponding to the newly opened online account (or a new account). Use it for the amount deposited into the account the lyrics to an embodiment of the filling with a new prepaid card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to transfer the amount deposited in the virtual account corresponding to the open online account to a new online account (or a new account). Various implementation methods of operating an online account (or a provisional account) may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 14, the online account management server shown in FIG. 9 is referred to as "server" for convenience, and the customer terminal shown in FIG. 9 is called "terminal" for convenience, and the customer wireless terminal information shown in FIG. For convenience, it is called "MIN (Mobile Identification Number)".

Referring to FIG. 14, a virtual account corresponding to the unopened online account customer information is opened in a process of transferring from an online account (or a new account) shown in FIG. 13 to an unopened online account, and the virtual account is opened in the virtual account. When the amount to be transferred to the open online account is deposited, the online account processing system shown in FIG. 1 periodically checks whether a new online account (or a new account) corresponding to the open online account customer information is newly opened. (1400).

If a new online account (or provisional account) corresponding to the non-opened online account customer information is not newly opened (1405), the server may be added to the online account (or provisional account) corresponding to the non-opened online account customer information. Check whether the new opening period has passed (1410).

If a new opening period for an online account (or a provisional account) corresponding to the non-opened online account customer information has not elapsed (1415), the server sets the online account processing system of the open online account shown in FIG. The process of periodically checking whether a new online account (or a new account) corresponding to the customer information is newly opened is repeated.

On the other hand, if a new opening period for the online account (or a provisional account) corresponding to the non-opened online account customer information has elapsed (1415), the server is not available in the online account (or the provisional account) shown in FIG. A virtual account opened through an account transfer process to an open online account is transferred from the original prepaid card (eg, an online account (or a new account) shown in FIG. 13) to an unopened online account. A prepayment card for which a predetermined transfer amount has been transferred, and the amount deposited in the virtual account as a charge amount for the original prepaid card (1420); The prepaid card charge is withdrawn and charged to the original prepaid card (1425).

If the original prepaid card is charged with the recharge amount (1430), the server generates a predetermined financial transaction history including a prepaid card charge history for the original prepaid card in association with the financial system, and the financial system By recording the generated financial transaction details in the ledger in connection with the ledger (1435), the transfer from the online account (or a new account) shown in FIG. 13 to an unopened online account is transferred to the virtual account. Return the amount back to the original prepaid card.

On the other hand, when a new online account (or a provisional account) corresponding to the unopened online account customer information is newly established (1405), the server is connected to the financial system to the new account through the online account processing system shown in FIG. Predetermined online account (or provisional account) information corresponding to an opened online account (or provisional account) (e.g., a newly opened online account (or provisional account) corresponding to the non-opened online account customer information). In operation 1440, the extracted online account (or a new account) is processed as a new prepaid card to be charged for the amount deposited in the virtual account (1445).

Thereafter, the server transfers the virtual account opened through the process of transferring the account from the online account (or a new account) shown in FIG. 13 to an unopened online account, on the new prepaid card (for example, the unopened online account customer information). Correspondingly to a recharge account for a newly opened online account (or a new prepaid card) corresponding to the newly opened online account, and to treat the amount deposited in the virtual account as the recharge amount for the new prepaid card ( 1450), the prepaid card charge amount is withdrawn from the prepaid card charging account and charged to the new prepaid card (1455).

If the charge amount is charged to the new prepaid card (1460), the server generates a predetermined financial transaction history including a prepaid card charge history for the new prepaid card in association with the financial system, and the financial system An online account (or transfer) of the amount deposited in the virtual account corresponding to the open online account to a new online account (or a new account) by recording the generated financial transaction details in the ledger (1465). Complete the operation process.

According to the present invention, a service of transferring a predetermined amount from the online account to at least one established online account by introducing a rechargeable prepaid card concept into an online account corresponding to an online financial product sold through the Internet full-time bank. This has the advantage.

According to the present invention, when an online account corresponding to the online financial product sold through the Internet full-time bank is opened in the mini homepage, a service for transferring a predetermined amount to the mini homepage through the account transfer service between online accounts is provided. This has the advantage.

Claims (6)

In the method of processing the transfer between online accounts opened by including the virtual account (or rechargeable prepaid card) attribute in the unidentified state through online, When the remittance request customer requests remittance via the online account, receiving remittance request information-remittance side online account information, remittance amount-and remittance side customer information from a customer terminal; Automatically opening a virtual account corresponding to the depositing customer information, and depositing a remittance amount included in the remittance request information withdrawn from the remittance requesting customer online account into the opened virtual account; Requesting to open an online account for transferring an amount deposited in the virtual account to a depositing customer communication means; Confirming whether the depositing customer's online account including the virtual account (or a prepaid prepaid card) attribute is newly opened in response to the online account opening request; And And when the online account of the depositing customer is newly opened as a result of the checking, depositing the amount of money deposited into the virtual account into the online account of the opened payment customer; How to process an intermittent transfer. The method of claim 1, If the depositing customer's online account is not opened within a certain period, remitting the amount of money deposited in the virtual account to the remittance requesting customer online account; . delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving remittance request information-remittance side online account information, remittance amount-and remittance side customer information from a customer terminal when a remittance request customer requests remittance through an online account; Means for depositing a remittance amount included in the remittance request information withdrawn from the remittance request customer online account into the opened virtual account after opening a virtual account corresponding to the depositing customer information; After checking whether the depositing customer's online account is newly opened, and when the depositing customer's online account is newly opened, the amount deposited in the virtual account is deposited into the online account of the newly opened depositing customer. Remittance processing system between the online account, characterized in that comprises; means for processing. The method of claim 5, If the online account of the depositing customer is not newly opened within a certain period of time, remittance between the online accounts characterized in that it further comprises means for processing the amount of money deposited in the virtual account to the remittance request customer online account Processing system.

Images