KR100902004B1 - Method and System for Managing Donation Bond and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for managing donation bonds and a recording medium therefor, wherein when a predetermined donation agreement is concluded with a predetermined donor, predetermined donor information, donation agreement information, and contract period information are received from a predetermined information receiving means. In connection with the donor information, the donation commitment information and the commitment period information in a predetermined information storage means, and stored in a predetermined storage medium, and transfers the donation commitment information and bond issuance information from a predetermined employee terminal, a predetermined donation bond The generation means issues a predetermined donation bond including the donation agreement information and the bond issuance amount information, and the donation bond liquidation means liquidizes the donation bond.

Donations, Bonds, Commitments

Description

Method and system for donation bonds and recording medium {Method and System for Managing Donation Bond and Program Recording Medium}

1 illustrates a donation agreement conclusion and bond issuing system configuration for issuing a donation bond for a donation agreement for procurement of public utility funds through the securitization of donation bonds according to an embodiment of the present invention.

2 is a diagram illustrating a donation agreement conclusion system for signing a donation agreement for public utility fund procurement through the securitization of donation bonds according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of registering donation agreement conclusion information in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of registering donation agreement conclusion information in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B illustrate a process of registering donation agreement conclusion information in a face-to-face manner according to another exemplary embodiment of the present invention.

FIG. 6 is a diagram illustrating a non-face-to-face donation agreement conclusion system for concluding a donation agreement for public utility fund procurement through securitization of donation bonds according to another embodiment of the present invention.

7A and 7B illustrate a process of registering donation agreement conclusion information in a non-face-to-face manner to conclude a donation agreement according to one embodiment of the present invention.

8A, 8B, and 8C are diagrams illustrating a process of registering donation agreement conclusion information through a non-face-to-face financial transaction channel to conclude a donation agreement according to one embodiment of the present invention.

FIG. 9 is a diagram illustrating a donation bond issuing system for issuing a donation bond for public utility fund procurement through the liquidation of the donation bond according to another embodiment of the present invention.

10A and 10B are diagrams illustrating a process of issuing donation bonds for public utility fund procurement through the liquidation of donation bonds in a non-face-to-face manner according to one embodiment of the present invention.

11A, 11B, and 11C are diagrams illustrating a process of issuing donation bonds for public utility fund procurement through securitization of donation bonds according to one embodiment of the present invention.

<Description of main parts of drawing>

100, 105: donation agreement server 110: donation bond issuing server 115: electronic document server 120: electronic document D / B

The present invention comprises the steps of receiving a predetermined donor information, donation commitment information and commitment period information in a predetermined information receiving means when a predetermined donation agreement with a predetermined donor; Storing the donor information, the donation contract information, and the contract period information in a predetermined storage medium in a predetermined information storage means; Issuing a predetermined donation bond including the donation commitment information and the bond issuing amount information in a predetermined donation bond generating means when the donation commitment information and the bond issuance information are transmitted from a predetermined employee terminal; And providing a donation bond operating method and system and a recording medium for the same.

As the capitalist culture has matured past the age of ideology in the past, the culture of donation has developed in Korea, and the culture of donation by celebrities and social leaders has become a cultural content.

However, unlike the developed countries, domestic donation cultures are mostly difficult to liquidate immediately, such as tangible commodities or intangible rights, rather than cash, and include difficulties in raising public utility capital through such donations. .

The present invention is derived to solve the above problems, when a predetermined donation agreement with a predetermined donor, the predetermined information receiving means receives the predetermined donor information, donation commitment information and contract period information, The information storing means stores the donor information, the donation commitment information, and the contract period information in a predetermined storage medium, and transmits the donation agreement information and the bond issuing amount information from a predetermined employee terminal. It is for the purpose of issuing a predetermined donation bond including the donation agreement information and the bond issuance amount information, and liquidating the donation bond in a predetermined donation bond liquidation means.

In the donation bond operating method according to the present invention, when a predetermined donation agreement is concluded with a predetermined donor, predetermined donor information, donation agreement information and contract period information are received by predetermined information receiving means, and the predetermined information storing means When donor information, donation commitment information, and commitment period information are stored and stored in a predetermined storage medium, and a donation agreement information and bond issuance information is transmitted from a predetermined employee terminal, the donation agreement information and the donation agreement information are generated by a predetermined donation bond generating means. And issuing a predetermined donation bond including the bond issuance amount information, and liquidating the donation bond in a predetermined donation bond liquidation means.

The donation bond management method may further include generating a donation agreement conclusion electronic document including the donor information, the donation agreement information, and the contract period information in a predetermined electronic document generation means and storing the donation agreement conclusion electronic document in a predetermined electronic document D / B. It is characterized in that it further comprises.

The donation bond management method may further include generating a donation bond issuing electronic document including the donation agreement information and the bond issuing amount information in a predetermined electronic document generating means and storing the donation bond issuing electronic document in a predetermined electronic document D / B. Characterized in that made.

The donation bond management system according to the present invention is characterized in that it comprises a recording medium, characterized in that the recording program for executing the donation bond management method.

Donation bond management system according to the present invention, when receiving a predetermined donation agreement with a predetermined donor, information receiving means for receiving predetermined donor information, donation commitment information and commitment period information, the donor information and donation commitment information and commitment A predetermined donation including the donation commitment information and the bond issuing amount information when information storage means for storing period information in association with period information and storing the donation commitment information and the bond issuance amount information from a predetermined employee terminal; And a donation bond generating means for issuing a bond and a donation bond fluidizing means for liquidating the donation bond.

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 will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a donation agreement conclusion and bond issuing system configuration for issuing a donation bond for a donation agreement for public utility fund procurement through the securitization of a donation bond according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates a donation agreement and bond issuing system for concluding a donation agreement with a predetermined donor using predetermined donation agreement conclusion information and issuing a predetermined donation bond based on the donation agreement conclusion. For those skilled in the art to which the present invention pertains, refer to or modify the donation agreement conclusion and bond issuance system configuration shown in Figure 1 to modify the donation bonds procurement of public utility funds In order to conclude a donation agreement, and to implement a donation agreement and a bond issuance system for issuing a donation bond based on the donation agreement, the present invention may infer various implementation methods. Characterized in that made, and the donation shown in Figure 1 It is not limited to the arrangement of contracts and bond issuance systems.

Referring to FIG. 1 according to an embodiment of the present invention, the donation agreement conclusion and bond issuance system includes a donation agreement including at least one of predetermined donor information, donation agreement information, agreement period information, and agreement conclusion approval information. Donation bond agreement conclusion server that concludes the donation agreement of the donor through the information, Donation bond issuing server 110 for issuing donation bonds through the donation bond issuance information using the donation agreement conclusion information, and issued donation bonds A donation bond transaction server for selling to a predetermined bond buyer, and at least one or more financial systems for storing the generated donation bond information in the ledger.

The donation bond contracting server, when a predetermined donor creates and submits a donation contract including at least one of donor information, donation contract information, contract period information, and contract conclusion approval information, in order to conclude a donation contract, a predetermined employee The terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, and the donation agreement conclusion information and the donation agreement corresponding to the donation agreement by the donation agreement conclusion system through a predetermined donation agreement execution interface. When providing the image content obtained from the, and generates a predetermined donation agreement conclusion electronic document containing the image content and store in a predetermined electronic document storage, the donor information and donation commitment information included in the donation agreement conclusion information Agreement with It is characterized in that the inter-process information and the agreement signing approval information is stored in a predetermined contract signing D / B, and the preferred implementation method for the donation bond signing system including the donation bond signing server, Figure 2 and Figure 6, it demonstrates in detail.

The donation bond issuing server 110, the drawings in more detail is a predetermined donor information through the predetermined donation bond issuing interface from the predetermined employee terminal, the donor information, the commitment agreement information, the contract period information and the agreement conclusion approval information and bond issuance When providing donation bond issuance information including at least one amount of money information to the financial institution, the financial institution issues a donation bond for public utility fund procurement through the liquidation of the donation bond based on the donation bond issuing information; And a system configuration for storing bond issuance information for managing the donation bond in a predetermined storage medium, and a preferred method for a donation bond issuing system including the donation bond issuing server 110 is illustrated. 9, it demonstrates in detail.

The financial system is characterized by storing and operating the ledger information corresponding to the donation bonds, the account system for processing the window services such as credit or receiving or trust or foreign exchange occurring in at least one branch (or teller), and the headquarters At least one non-information provided in an information system for processing a business and supporting branch office information and managing customer information, interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network. Access to the financial system from a face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.), or at least one common network (e.g., CD network, financial network) It is made with an external system that provides a variety of financial transaction interface through) In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information required for performing respective functions in components in the financial system. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, customer information, or management information).

In FIG. 1, the donation agreement conclusion and bond issuance system is illustrated and described as a donation bond agreement conclusion server and a donation bond issuing server 110, but the present invention is not limited thereto. The bond issuing system may consist of one server (or device), or may consist of at least two or more servers (or devices), and according to the intention of the person skilled in the art, separate components for each component constituting each server shown It is clear that it can be implemented in the form of a server.

2 is a diagram illustrating a donation agreement conclusion system for signing a donation agreement for public utility fund procurement through the liquidation of donation bonds according to an embodiment of the present invention.

More specifically, FIG. 2 shows that a given donor writes and submits a donation agreement including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information to conclude a donation agreement. Acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, and from the donation agreement conclusion information and the donation agreement corresponding to the donation agreement with the donation agreement fastening system through a predetermined donation agreement fastening interface When providing the obtained image content, a predetermined donation agreement conclusion electronic document containing the image content is generated and stored in a predetermined electronic document storage, the donor information and donation agreement information included in the donation agreement conclusion information and Terms and conditions A system configuration for cooperatively processing contract conclusion approval information and storing the contract conclusion approval information in a predetermined contract conclusion D / B (240). Specifically, the electronic document repository is connected to the donation contract conclusion system through a predetermined communication means. It is about the implementation method provided in the phase.

Those skilled in the art to which the present invention pertains, various implementation methods for the constitution of the donation agreement conclusion system to conclude the donation agreement for the public financing financing through the securitization of donation bonds by referring to or modifying this figure 2 It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 2 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the donation agreement fastening system. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 2, the donation agreement fastening electronic document corresponding to the donation agreement is described as being generated on the server side on the donation agreement fastening system, but the present invention is limited thereto. Never, the donation agreement conclusion electronic document may be generated on a terminal side that has acquired image content corresponding to the donation agreement through a predetermined image acquisition device (for example, the electronic document generation function provided on the server side may include the terminal. Provided on the side to generate the donation agreement fastening electronic document), whereby the present invention is not limited.

Hereinafter, a donation agreement conclusion information and an image content corresponding to the donation agreement prepared by the donor are provided through a donation agreement conclusion interface shown in FIG. 2 to generate a predetermined donation agreement conclusion document. A component corresponding to at least one or more means or functional configurations for storing in a predetermined electronic document storage and storing the donation contract conclusion information in a predetermined contract conclusion D / B 240 for convenience "donation contract conclusion server 100 ) "

Referring to FIG. 2 according to an embodiment of the present invention, a donation agreement conclusion system for signing a donation agreement for public utility fund procurement through securitization of the donation bond is provided in at least one financial institution branch (or branch). Characterized in that it comprises a terminal device including a staff terminal that is, the terminal device is connected to the donation agreement fastening server 100 provided on the donation agreement fastening system through a predetermined financial network is connected to the communication channel.

According to an exemplary embodiment of the present invention, the donor visits the financial institution branch (branch branch) to conclude the donation agreement, and through a window (or a teller) provided at the financial institution branch branch (branch branch). Fill out a predetermined donation agreement (e.g., at least one information item that concludes a donation agreement for the procurement of a public utility fund through the liquidation of the donation bond). The donor may seal the donor's seal for the legal basis for the donation agreement.

Subsequently, when the donor submits the created donation agreement to the teller employee, the teller scans the donation agreement through a predetermined image acquisition device to obtain predetermined image content, and the donation agreement through a predetermined employee terminal. Input (or select) donation agreement conclusion information including at least one or more image contents acquired in response to the donation agreement information, donation agreement information, commitment period information, and agreement conclusion information written in the donation agreement; The employee terminal preferably transmits the image content and donation agreement conclusion information to the donation agreement conclusion server 100 provided on the donation agreement conclusion system through the financial network.

Here, the employee terminal preferably comprises a financial terminal used by the employee of the branch (or branch) of the financial institution, the donation agreement server 100 is connected to the employee terminal is provided on the predetermined financial system It is preferable to include a server (eg, ledger server, etc.), and the financial network connecting the employee terminal and the donation agreement conclusion server 100 establishes a communication channel between the employee terminal and the donation agreement conclusion server 100. It is preferable that the connection network comprises a connection network.

In the donation agreement conclusion system as described above, the image acquisition device for acquiring the image content corresponding to the donation agreement written by the donor, the employee terminal used by the employee and the employee terminal and the donation agreement conclusion server 100 The connecting financial network performs a function of a donation agreement conclusion interface for the donor to register donation agreement conclusion information in order to conclude the donation agreement.

The agreement conclusion D / B 240 provided on the donation agreement conclusion system according to the present invention is the donor information and donation agreement information and agreement period information and agreement agreement included in the donation agreement conclusion information provided from the terminal device Characterized in that the approval information is stored in the predetermined contract D / B (240).

The donor information includes the donor's personal information (eg, donor's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the donor's member information (eg, the donor has the financial information). By signing up as a financial transaction donor of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the donation agreement conclusion system in response to the donor It is preferable to comprise at least one or more.

The donation agreement information is information on the donation agreement content, the estimated donation amount for the donation agreement, and the purpose of the donation (for example, small business development, venture company support, senior welfare, hunger child relief, disability welfare, disaster relief, Construction of homeless accommodations, helping boys and girls, helping disadvantaged neighbors, etc., and donation conditions (e.g., a donor for a home run if the donor is a baseball player, or if the donor is a writer, Conditions for donating money, etc.), and donor side association (for example, if the donor is a baseball player association, if the donor is a writer association, etc.) and the like is preferably made.

The commitment period information is information on the donation payment period, and the expiration date of the donation payment (for example, the donation payment expiration date is the end date of the season when the donor is a baseball player who has contracted a certain amount of money per home run as the donation condition). And at least one or more of the donation payment period (eg, the film donation period in which the donor commits a certain ratio to the audience's income as the donation condition, and the donation payment period is a movie screening period).

The agreement conclusion approval information is information to approve the conclusion of the donation agreement, it is preferable to include at least one or more information that agrees to pay the donation.

According to one embodiment of the present invention, the contract conclusion D / B 240 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 240 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 240 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided on (or associated with) the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

The donation agreement fastening server 100 provided on the donation agreement fastening system according to the present invention is a generic term for the donation agreement fastening system side components connected to the terminal device through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

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

According to the implementation method of the present invention, the donation commitment server 100 is provided with an interface unit 200 (or interface means) for connecting and managing a predetermined communication channel with the terminal device through the financial network. It features.

According to an embodiment of the present invention, when the terminal device is an employee terminal connected to a predetermined financial network, the interface unit 200 establishes a communication channel with the employee terminal based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in a financial transaction related program provided in the employee terminal.

Referring to FIG. 2, when the predetermined terminal device connects the donation agreement conclusion server 100 with a predetermined communication channel through the interface unit 200, the donation agreement conclusion server 100 performs the donation agreement. In order to conclude, through the predetermined image acquisition device provided in the terminal device to obtain the image content corresponding to the donation agreement written by the donor, and input (or select) the donation agreement conclusion information corresponding to the donation agreement to the donation An interface agent for generating (or extracting) at least one user interface for transmitting to the contract execution server 100 and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 200. Study 205 (or an interface providing means) and the user interface at the terminal device. When the donation agreement conclusion information corresponding to the donation agreement is input (or selected) and transmitted, the information receiver 210 receiving the donation agreement conclusion information transmitted from the terminal device in association with the interface unit 200 (or Information receiving means), and the terminal apparatus acquires and transmits image contents corresponding to the donation agreement prepared by the donor through a predetermined image obtaining apparatus based on the user interface, in connection with the interface unit 200. And an image receiving unit 215 (or image receiving means) for receiving image contents corresponding to the donation agreement.

The interface providing unit 205 connects the donation agreement server 100 and a predetermined communication channel through the interface unit 200, and then the donation bonds to the donation agreement server 100. When a user interface requesting a donation agreement is requested to procure a public utility fund through the securitization of the public service, an image content corresponding to the donation agreement prepared by the donor is obtained through a predetermined image acquisition device provided in the terminal device, Generate (or select) at least one user interface for inputting (or selecting) donation agreement execution information corresponding to a donation agreement and transmitting the donation agreement execution server to the donation agreement execution server 100 through the financial network, or a predetermined database (not shown). Extracted from, and used in conjunction with the interface unit 200 generated (or extracted) The user interface is provided to the terminal device through the financial network.

According to another exemplary embodiment of the present invention, the terminal apparatus acquires image contents corresponding to the donation agreement prepared by the donor through a predetermined image acquisition device, and inputs (or selects) donation agreement conclusion information corresponding to the donation agreement. When a predetermined donation agreement execution program is provided with at least one user interface for transmitting to the donation agreement execution server 100 through the financial network, the donor is provided through the predetermined image acquisition device as described above. Acquiring an image content corresponding to the created donation agreement, and generating (or extracting) a user interface for inputting (or selecting) donation agreement conclusion information corresponding to the donation agreement and transmitting it to the donation agreement conclusion server 100. Interface provided to the terminal device Section 205 and the mubang be omitted, to which the present invention is not limited.

Thereafter, the terminal apparatus inputs (or selects) donation contract conclusion information including at least one of the donor information, the donation contract information, the contract period information, and the contract conclusion approval information through the user interface, and the input (or selection) ) The donation agreement conclusion information transmitted to the donation agreement conclusion server 100 through the financial network, in response to the information receiving unit 210 is transmitted from the terminal device in connection with the interface unit 200; Characterized in receiving donation agreement conclusion information.

In addition, the terminal device obtains the image content corresponding to the donation agreement written by the donor through a predetermined image acquisition device on the basis of the user interface, the donation agreement conclusion server through the financial network In response thereto, the image receiving unit 215 receives the image contents corresponding to the donation agreement in association with the interface unit 200.

According to another exemplary embodiment of the present invention, a predetermined storage device provided in (or associated with) the terminal device by acquiring image contents corresponding to the donation agreement prepared by the donor through a predetermined image acquisition device in the terminal device. If the terminal device is stored in the terminal device, the terminal device selects the image content corresponding to the donation agreement written by the donor from the at least one or more image contents stored in the storage device through the user interface and concludes the donation agreement through the financial network. The image receiving unit 215 receives the image content corresponding to the donation agreement in cooperation with the interface unit 200.

According to another exemplary embodiment of the present invention, when the terminal apparatus transmits the image content corresponding to the donation agreement written by the donor and the donation agreement conclusion information corresponding to the donation agreement through the user interface, the information receiver. In operation 210, the image content corresponding to the donation agreement and the donation agreement conclusion information may be received together with the interface unit 200 (for example, the image receiver 215 may be integrated into the information receiver 210). Operation), whereby the present invention is not limited.

Referring to FIG. 2, when the donation agreement conclusion server 100 receives the donation agreement conclusion information transmitted from the terminal device through the information receiver 210, the donation agreement conclusion information is received from the donation bond. Characterized in that it comprises a validity confirmation unit 220 (or validity verification means) for confirming whether the satisfactory validity of concluding the donation agreement for the procurement of public utilities through the securitization.

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirmation unit 220 is the information contained in the donation commitment conclusion information, the donor information (donor personal information, member information, etc.) is the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 220 is an association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information included in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

Referring to FIG. 2, the donation agreement conclusion server 100 receives the image content transmitted from the terminal device through the image receiving unit 215, and the donation agreement conclusion information through the validity confirming unit 220. When the validity is verified, the electronic document generating unit 225 (or electronic document generating means) for generating a predetermined donation agreement conclusion electronic document including the received image content, and the generated donation agreement conclusion electronic document It is characterized in that it comprises an electronic document transmission unit 230 (or electronic document transmission means) for transmitting to the electronic document repository associated with the donation agreement fastening system.

The electronic document generating unit 225 generates a donation agreement conclusion electronic document including the image content received from the terminal device through the image receiving unit 215.

According to an embodiment of the present invention, the electronic document generation unit 225 public image through the fluidization of the donation bonds as it is the image file containing the image content received from the terminal device through the image receiving unit 215 It is advisable to treat it as a donation agreement electronic document that concludes a donation agreement to finance the project.

Alternatively, the electronic document generator 225 may include donor information and donations included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. An image file corresponding to an image content including at least one of contract information, contract period information, and contract conclusion approval information is watermarked, and a donation agreement is provided for procurement of public utility funds through the securitization of donations. It is desirable to create a donation agreement conclusion electronic document to conclude.

According to another exemplary embodiment of the present invention, the electronic document generating unit 225 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 215. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is desirable to create a donation agreement conclusion electronic document that concludes a donation agreement to finance the business.

Alternatively, the electronic document generator 225 may include donor information and donations included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. Generate image contents including at least one of contract information, contract duration information, and contract conclusion approval information by a watermarking method, and include a predetermined document file (eg, PDF (Portable) including the generated image contents. Document format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is advisable to create a donation agreement-contracting electronic document that concludes a donation agreement to fund a public utility. .

According to another embodiment of the present invention, the electronic document generation unit 225 is the image content received from the terminal device through the image receiving unit 215 and the donation received through the information receiving unit 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including contract conclusion information, or an MHT. By generating a web document file, etc.), it is preferable to generate a donation agreement conclusion electronic document that concludes a donation agreement for public utility fund procurement through the liquidation of the donation bonds.

Alternatively, the electronic document generator 225 may include donor information and donations included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. A predetermined document file including image information including at least one of contract information, contract period information, and contract conclusion approval information by a watermarking method, and including the generated image content and the donation contract conclusion information (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). Donation agreement to sign a donation agreement to finance public utility funds through securitization of donation bonds It is desirable to generate a book.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 225, the technical features of generating a donation commitment conclusion electronic document of the image file format or a predetermined document file format, and the donation commitment conclusion Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitter 230 transmits and stores the donation agreement conclusion electronic document generated by the electronic document generation unit 225 to a predetermined electronic document repository associated with the donation agreement conclusion system. .

As shown in FIG. 2, the electronic document repository is connected with a donation agreement execution server 100 on the donation agreement fastening system 100 through a predetermined communication means and an electronic document D / B ( 260, the electronic document transmission unit 230, the electronic document transmission unit 230 via the communication means for the donation commitment fastening electronic document generated by the electronic document generation unit 225 through the communication means It is characterized in that for transmitting.

Here, when the electronic document server 115 and the electronic document D / B 260 is provided outside the donation agreement fastening system, the electronic document server 115 and the electronic document D / B 260 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the electronic document transmission unit 230 is generated by the electronic document generation unit 225 It is possible to store the donation agreement conclusion electronic document in the electronic document D / B 260 corresponding to the electronic document storage on the DBMS provided in the donation agreement conclusion system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 230 is electronic document-related information (for example, donation agreement corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 115 Donor information, or financial institution information for transmitting the donation agreement conclusion document, or electronic document file format information, or the donation agreement conclusion information, etc. The present invention is not limited by this.

Referring to FIG. 2, the donation agreement conclusion server 100 procures the public interest fund through the donation agreement conclusion information received through the information receiving unit 210 through the liquidation of the donation bonds through the validity confirming unit 220. If the validity of the conclusion of the donation agreement for the authentication is authenticated, the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information that has been validated is linked to process a predetermined agreement D And an information storage unit 235 (or information storage means) stored in / B 240.

When the validity of the donation agreement conclusion information is confirmed by the validity confirmation unit 220, the information storage unit 235 is a commitment agreement information and donor agreement information and commitment period information and commitment period information included in the donation agreement conclusion information Characterized in that the processing of the approval information in conjunction with the contract conclusion D / B (240), the contract conclusion D / B 240 is provided in the donation commitment server 100, or the donation commitment server When provided on the network associated with (100), the information storage unit 235 processes the donor information, the donation commitment information, the commitment period information and the agreement conclusion approval information included in the received donation commitment conclusion information It is preferable to store in the contract D / B 240, and when the contract D / B 240 is provided in the DBMS provided on the financial system, the information storage unit 235 is A contributor information and contribution arrangement information and the contract period information and the agreement signed authentication information contained in the Placed subscription agreement signed information through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 2, an electronic device that receives a donation agreement conclusion electronic document from the donation agreement conclusion server 100 provided on the donation agreement conclusion system and stores and manages it in a predetermined electronic document D / B 260. The document server 115 may include an electronic document receiving unit 245 (or an electronic document receiving unit) for receiving a predetermined donation contract conclusion electronic document from the donation contract execution server 100 through a predetermined communication unit, and the received document. An information generation unit 250 (or information generating means) for generating predetermined electronic document management information for storing and managing a donation contract conclusion electronic document in the electronic document D / B 260; And an electronic document storage unit 255 (or electronic document storage means) for linking and processing the donation agreement conclusion electronic document and storing it in a predetermined electronic document D / B 260. .

The electronic document receiving unit 245 may receive a donation agreement conclusion electronic document in the form of an image file or a document file from the donation agreement conclusion server 100 through the communication means.

According to an exemplary embodiment of the present invention, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means includes the image content received by the donation agreement conclusion server 100 from the terminal device. It is preferable to include an image file as it is.

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means is included in the donation agreement conclusion information on the image content received by the donation agreement conclusion server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the donor information, the donation commitment information, the commitment period information and the agreement conclusion approval information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means includes the image content received by the donation agreement conclusion server 100 from the terminal device. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means is a donor included in the donation agreement conclusion information on the image content received by the donation agreement conclusion server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of information, donation agreement information, agreement period information, and agreement conclusion information by watermarking; or EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT).

According to another exemplary embodiment of the present invention, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means and the image content received by the donation agreement conclusion server 100 from the terminal device; A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the donation agreement conclusion information, or an MHT; Web document files, etc.) to be included.

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 245 through the communication means is a donor included in the donation agreement conclusion information on the image content received by the donation agreement conclusion server 100 from the terminal device. Image content including at least one or more of information, donation agreement information, agreement period information, and agreement conclusion approval information, and a predetermined document file (eg, PDF (Portable) including the donation agreement conclusion information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

The information generating unit 250 is a predetermined electronic document unique number (or unique information) to be assigned to the donation commitment conclusion electronic document received through the electronic document receiving unit 245, and through the electronic document receiving unit 245 And generating electronic document management information including electronic document storage date and time information including a date and time at which the donation contract conclusion electronic document was received (or a date and time at which the donation contract conclusion electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 250 refers to the donation agreement conclusion server 100 transmitting the donation agreement conclusion electronic document received through the electronic document receiving unit 245, and the donation agreement It is preferable to identify the financial institution that transmitted the signed electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the donation contract execution server 100 through the electronic document receiving unit 245, the information generating unit 250 receives the receiving information. Electronic document related information (e.g., donor information corresponding to the donation agreement corresponding to the image content, financial institution information transmitting the donation agreement conclusion electronic document, electronic document file format information, or the donation agreement conclusion information, etc.) It is preferable to generate the electronic document management information further comprising.

The electronic document storage unit 255 associates a donation agreement conclusion electronic document received through the electronic document receiving unit 245 with electronic document management information generated through the information generation unit 250 to process a predetermined electronic document D. It stores in / B (260).

According to the exemplary embodiment of the present invention, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 is received by the donation agreement conclusion server 100 from the terminal device. It is preferable to include an image file including one image content as it is.

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 is the donation agreement to the image content received by the donation agreement execution server 100 from the terminal device. It is preferable to include an image file corresponding to an image content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the agreement conclusion information in a watermarking manner. .

According to another exemplary embodiment of the present invention, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 is the donation agreement conclusion server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received image content, or an MHT. Web document files, etc.) to be included.

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 may include the donation agreement to the image content received by the donation agreement execution server 100 from the terminal device. A predetermined document file (eg, PDF (Portable) including image contents including at least one of donor information, donation agreement information, commitment period information, and agreement conclusion approval information included in the conclusion information in a watermarking manner. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to another exemplary embodiment of the present invention, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 is the donation agreement conclusion server 100 by the terminal device. A word including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image contents received from the donation agreement conclusion information. Processor file, or a web document file including MHT).

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 260 by the electronic document storage unit 255 may include the donation agreement to the image content received by the donation agreement execution server 100 from the terminal device. Image files including at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the conclusion information in a watermarking manner, and a predetermined document file including the donation agreement conclusion information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 260 by the electronic document storage unit 255 in association with the donation contract conclusion electronic document is stored in the electronic document D / B 260. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 260 by the electronic document storage unit 255 in association with the donation agreement conclusion electronic document is stored in the donation agreement. It is preferable that the donation agreement is concluded with reference to the donation agreement signing server 100 that sent the electronic document 100 further comprises the financial institution information transmitted the commitment agreement signing electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the donation contract execution server 100, the electronic document storage unit 255 processes the connection with the donation contract conclusion electronic document. The electronic document management information stored in the electronic document D / B 260 transmits the received electronic document related information (for example, donor information in which a donation agreement corresponding to the image content is written, or the donation agreement conclusion electronic document). Financial institution information, electronic document file format information, or the donation agreement conclusion information).

3A and 3B illustrate a process of registering donation agreement conclusion information in a face-to-face manner according to one embodiment of the present invention.

3A and 3B illustrate an employee terminal having a terminal device on a donation contract execution system shown in FIG. 2 at a financial institution branch (or a branch), and the donation contract execution server 100 is a predetermined financial instrument. In the case of having a ledger server (not shown) function in the financial system linked to the employee's terminal through the network, a predetermined donor is authorized to enter into the donor information, the donation agreement information, the contract period information, and the agreement to conclude the donation agreement. When a donation agreement including at least one information is prepared and submitted, a predetermined employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, and makes a donation through a predetermined donation agreement interface. Donation agreement conclusion information corresponding to the donation agreement and agreement When providing the image content obtained from the gold agreement, a predetermined donation agreement conclusion electronic document containing the image content is generated and stored in a predetermined electronic document storage, the donor information and donations included in the donation agreement conclusion information The present invention relates to an implementation method of linking and processing contract information, contract term information, and contract conclusion approval information in a predetermined contract conclusion D / B 240. Specifically, the donation contract through a predetermined image acquisition device in the employee terminal. After acquiring predetermined image content corresponding to the donation agreement conclusion server 100 and transmitting the donation agreement conclusion information corresponding to the donation agreement, it is transmitted to the donation agreement conclusion server 100. It shows an implementation method.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the donation commitment conclusion information from the employee terminal to the donation commitment conclusion server 100 by referring to or modifying the drawings 3a and 3b. It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in Figures 3a and 3b.

For example, in the implementation method illustrated in FIGS. 3A and 3B, the employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, or donation agreement conclusion information corresponding to the donation agreement. Although illustrated as being provided as a user interface for inputting (or selecting) from the donation agreement conclusion server 100, when a predetermined donation agreement conclusion program is provided in the employee terminal, the user interface concludes the donation agreement It does not have to be provided from the server 100, thereby the present invention is not limited.

3A and 3B, the employee terminal shown in FIG. 2 is referred to as a "terminal" for convenience, and the donation agreement fastening server 100 shown in FIG. 2 is referred to as a "server" for convenience, and the employee terminal The donor information, the donation agreement information, the commitment period information and the agreement conclusion approval information transmitted to the donation agreement conclusion server 100 is referred to as "donation agreement conclusion information" for convenience.

Referring to FIGS. 3A and 3B, when a given donor creates and submits a donation agreement including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion information, in order to conclude a donation agreement, The employee terminal shown in 2 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and enters a donation agreement for procurement of public utilities through the liquidation of donation bonds corresponding to the donation agreement. When the user interface is requested (300), the server correspondingly obtains the predetermined image content corresponding to the donation agreement prepared by the donor through the predetermined image acquisition apparatus in the terminal and transmits the user interface to the server. Generate (or extract) (305) and generate (or In step 310, the extracted user interface is transmitted to the terminal and output.

Thereafter, the terminal acquires image content corresponding to the donation agreement through a predetermined image acquisition device based on the user interface (315).

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

Thereafter, the server inputs (or selects) donation agreement conclusion information including at least one donor information corresponding to the donation agreement matching the image content, donation agreement information, agreement period information, and agreement conclusion approval information. A user interface for transmitting to the terminal is generated (or extracted) (330), and the generated (or extracted) user interface is transmitted to the terminal through the financial network and output (330).

Thereafter, the terminal inputs (or selects) donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (340).

If the donation agreement execution information is input (or selected) including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (345), the terminal establishes the financial network. The input (or selected) donation commitment conclusion information is transmitted to the server (350).

Thereafter, the server receives and reads donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the financial network to validate the donation agreement conclusion information. Check (355).

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirmation unit 220 is the information contained in the donation commitment conclusion information, the donor information (donor personal information, member information, etc.) is the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 220 is an association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information included in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

If the validity of the donation agreement conclusion information is not authenticated (360), the server generates a predetermined donation agreement conclusion error information and transmits it to the terminal (365), the donation agreement conclusion corresponding to the donation agreement conclusion information Do not perform the procedure.

On the other hand, if the validity of the donation agreement conclusion information is verified (360), the server generates a predetermined donation agreement conclusion electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server provides an image file including the image content received from the terminal device through the image receiving unit 215 as it is to contribute to the public interest fund through the liquidation of the donation bonds. It is advisable to treat donation agreement signing electronic documents.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And donation agreement for signing a donation agreement for procurement of public utilities through image file corresponding to the image contents including at least one or more information of the agreement approval approval information in a watermarking manner. It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file, or a PDF file) including the image content received from the terminal device through the image receiving unit 215. By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT, etc. It is desirable to create a donation agreement conclusion document that concludes a donation agreement.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And generating image content including at least one or more of the contract conclusion approval information in a watermarking manner, and including a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT, etc. It is desirable to create a donation agreement conclusion document that concludes a donation agreement.

According to another exemplary embodiment of the present invention, the server includes the image content received from the terminal device through the image receiving unit 215 and donation contract conclusion information received through the information receiving unit 210. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a donation agreement conclusion electronic document for signing a donation agreement for the public interest fund procurement through the liquidation of the donation bonds.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And an image content including at least one or more of the contract conclusion approval information in a watermarking manner, and a predetermined document file (eg, PDF (Portable) including the generated image content and the donation contract conclusion information. Document format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). To generate a donation agreement electronic document to enter into a donation agreement for public utility funding It is preferred.

Those skilled in the art to which the present invention pertains include technical features that the server generates a donation agreement conclusion electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation agreement conclusion electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation agreement conclusion electronic document in a predetermined electronic document storage (375).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 260 associated with a server on the donation agreement fastening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated donation commitment fastening electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (260).

Alternatively, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the server corresponds to the generated electronic document archive on the DBMS provided in the donation agreement fastening system. The electronic document D / B 260 can be stored, and the present invention is not limited thereto.

According to the implementation method of the present invention, storing the donation commitment conclusion electronic document in the former advisory vault, the generated donation commitment conclusion electronic document and predetermined electronic document management information as shown in FIG. It is preferable to include storing in the electronic document D / B (260).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation agreement conclusion electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation agreement conclusion electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, donor information in which a donation agreement corresponding to the image content is written, financial institution information transmitting the donation agreement conclusion electronic document, or electronic document file format information). , Or the donation agreement conclusion information and the like).

If the donation agreement conclusion electronic document is stored in the electronic document storage (380), the server processes the donor information included in the donation agreement conclusion information, donation agreement information, agreement period information and agreement conclusion approval information Stored in a predetermined contract D / B (240) (385), a predetermined donation commitment conclusion information (e.g., the details of storing the donation commitment conclusion electronic document in the electronic document storage, or the contract conclusion D / B (240) generates (or extracts) the details of storing the donation commitment conclusion information is transmitted to the terminal (390).

According to one embodiment of the present invention, the contract conclusion D / B 240 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 240 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 240 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided on (or associated with) the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

4A and 4B illustrate a process of registering donation agreement conclusion information in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b are detailed views of an employee terminal provided at a financial institution branch (or a branch office) of the donation contract execution system shown in FIG. 2, and the donation contract execution server 100 is provided with a predetermined finance. In the case of having a ledger server (not shown) function in the financial system linked to the employee's terminal through the network, the donor information, the donation agreement information, the agreement period information and the agreement conclusion approval information for a given donor to make a donation agreement When a donation agreement including at least one is prepared and submitted, a predetermined employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, and a donation agreement through a predetermined donation agreement conclusion interface. Donation agreement conclusion information and the device corresponding to the donation agreement by the signing system When providing the image content obtained from the gold agreement, a predetermined donation agreement conclusion electronic document containing the image content is generated and stored in a predetermined electronic document storage, the donor information and donations included in the donation agreement conclusion information An implementation method of linking the contract information, the contract period information, and the contract conclusion approval information to store in a predetermined contract conclusion D / B 240. Specifically, the donation contract conclusion information corresponding to the donation contract at the employee terminal. After inputting (or selecting) to the donation agreement conclusion server 100, and then obtains the predetermined image content corresponding to the donation agreement through a predetermined image acquisition device and transmits to the donation agreement conclusion server 100 It shows an implementation method.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the donation commitment conclusion information to the donation commitment conclusion server 100 in the employee terminal by referring to or modifying the drawings 4a and 4b. It may be inferred that, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in Figures 4a and 4b.

For example, in the implementation method illustrated in FIGS. 4A and 4B, the employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, or donation agreement conclusion information corresponding to the donation agreement. Although illustrated as being provided as a user interface for inputting (or selecting) from the donation agreement conclusion server 100, when a predetermined donation agreement conclusion program is provided in the employee terminal, the user interface concludes the donation agreement It does not have to be provided from the server 100, thereby the present invention is not limited.

In the following Figures 4a and 4b, the employee terminal shown in FIG. 2 is referred to as "terminal" for convenience, and the donation agreement fastening server 100 shown in FIG. 2 is referred to as "server" for convenience, and said employee terminal The donor information, the donation agreement information, the commitment period information and the agreement conclusion approval information transmitted to the donation agreement conclusion server 100 is referred to as "donation agreement conclusion information" for convenience.

Referring to FIGS. 4A and 4B, when a given donor prepares and submits a donation agreement including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information, in order to conclude a donation agreement, The employee terminal shown in 2 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and enters a donation agreement for procurement of public utilities through the liquidation of donation bonds corresponding to the donation agreement. When requesting a user interface (400), the server correspondingly provides donation agreement conclusion information including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information corresponding to the donation agreement created by the donor. User input to input (or select) and send to the server Generating the face (or extract), and 405, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station 410. The

Thereafter, the terminal inputs (or selects) donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (415).

If the donation agreement execution information is input (or selected) including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (420), the terminal establishes the financial network. The input (or selected) donation commitment conclusion information is transmitted to the server through (425).

Thereafter, the server receives and reads donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the financial network to validate the donation agreement conclusion information. Check (430).

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirmation unit 220 is the information contained in the donation commitment conclusion information, the donor information (donor personal information, member information, etc.) is the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 220 is an association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information included in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

If the validity of the donation agreement conclusion information is not authenticated (435), the server generates a predetermined donation agreement conclusion error information and transmits it to the terminal (440), the donation agreement conclusion corresponding to the donation agreement conclusion information Do not perform the procedure.

On the contrary, if the validity of the donation agreement conclusion information is authenticated (435), the server acquires predetermined image contents corresponding to the donation agreement prepared by the donor through a predetermined image acquisition device and transmits the predetermined image content to the server. The user interface is generated (or extracted) for the user interface 445 and the generated (or extracted) user interface is transmitted to the terminal through the financial network (450).

Thereafter, the terminal acquires image content corresponding to the donation agreement through a predetermined image acquisition device based on the user interface (455).

If image content corresponding to the donation agreement is obtained through the image acquisition device (460), the terminal transmits the acquired image content to the server through the financial network (465).

The server receiving the donation contract conclusion information and the image content from the terminal generates a predetermined donation contract conclusion electronic document including the image content (470).

According to an exemplary embodiment of the present invention, the server provides an image file including the image content received from the terminal device through the image receiving unit 215 as it is to contribute to the public interest fund through the liquidation of the donation bonds. It is advisable to treat donation agreement signing electronic documents.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And donation agreement for signing a donation agreement for procurement of public utilities through image file corresponding to the image contents including at least one or more information of the agreement approval approval information in a watermarking manner. It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 215. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), thereby generating donations for public utility funding through securitization of the donation bonds. It is desirable to generate a donation agreement electronic document for signing an agreement.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And generating image content including at least one or more of the contract conclusion approval information in a watermarking manner, and including a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT, etc. It is desirable to create a donation agreement conclusion document that concludes a donation agreement.

According to another exemplary embodiment of the present invention, the server may include the image content received from the terminal device through the image receiving unit 215 and donation contract conclusion information received through the information receiving unit 210. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a donation agreement conclusion electronic document that concludes a donation agreement for the public interest fund procurement through the liquidation of the donation bonds.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And an image content including at least one or more of the contract conclusion approval information in a watermarking manner, and a predetermined document file (eg, PDF (Portable) including the generated image content and the donation contract conclusion information. Document format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). To generate a donation agreement electronic document to enter into a donation agreement for public utility funding It is preferred.

Those skilled in the art to which the present invention pertains include technical features that the server generates a donation agreement conclusion electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation agreement conclusion electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation agreement conclusion electronic document in a predetermined electronic document storage (475).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 260 associated with a server on the donation agreement fastening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated donation commitment fastening electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (260).

Alternatively, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the server corresponds to the generated electronic document archive on the DBMS provided in the donation agreement fastening system. The electronic document D / B 260 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, storing the donation agreement conclusion electronic document in the electronic document storage, the electronic donation agreement conclusion electronic document and the predetermined electronic document management information in conjunction with the generated electronic document shown in Figure 2 It is preferable to include storing in the document D / B 260.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation agreement conclusion electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation agreement conclusion electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, donor information in which a donation agreement corresponding to the image content is written, financial institution information transmitting the donation agreement conclusion electronic document, or electronic document file format information). , Or the donation agreement conclusion information and the like).

If the donation agreement conclusion electronic document is stored in the electronic document repository (480), the server processes the donor information, the donation agreement information, the agreement period information and the agreement conclusion approval information included in the donation agreement conclusion information Stored in a predetermined contract D / B (240) (485), a predetermined donation commitment conclusion information (e.g., the history of storing the donation commitment conclusion electronic document in the electronic document storage, or the contract conclusion D / B At step 240, details of storing the donation commitment conclusion information) are generated (or extracted) and transmitted to the terminal (490).

According to one embodiment of the present invention, the contract conclusion D / B 240 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 240 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 240 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided on (or associated with) the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

5A and 5B illustrate a process of registering donation agreement conclusion information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, Figures 5a and 5b is an employee terminal equipped with a terminal device on a financial institution branch (or branch office) on the donation contract conclusion system shown in Figure 2, the donation commitment server 100 is a predetermined financial In the case of having a ledger server (not shown) function in the financial system linked to the employee's terminal through the network, the donor information, the donation agreement information, the agreement period information and the agreement conclusion approval information for a given donor to make a donation agreement When a donation agreement including at least one is prepared and submitted, a predetermined employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, and a donation agreement through a predetermined donation agreement conclusion interface. Donation agreement conclusion information and the device corresponding to the donation agreement by the signing system When providing the image content obtained from the gold agreement, a predetermined donation agreement conclusion electronic document containing the image content is generated and stored in a predetermined electronic document storage, the donor information and donations included in the donation agreement conclusion information The present invention relates to an implementation method of linking and processing contract information, contract term information, and contract conclusion approval information in a predetermined contract conclusion D / B 240. Specifically, the donation contract through a predetermined image acquisition device in the employee terminal. The method of acquiring predetermined image content corresponding to the present invention, inputting (or selecting) donation agreement conclusion information corresponding to the donation agreement, and transmitting it to the donation agreement conclusion server 100 is shown.

Those skilled in the art to which the present invention pertains, various implementation methods for registering the donation commitment conclusion information from the employee terminal to the donation commitment conclusion server 100 by referring to or modifying the drawings 5a and 5b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, in the implementation method illustrated in FIGS. 5A and 5B, the employee terminal acquires predetermined image contents corresponding to the donation agreement through a predetermined image acquisition device, or donation agreement conclusion information corresponding to the donation agreement. Although illustrated as being provided as a user interface for inputting (or selecting) from the donation agreement conclusion server 100, when a predetermined donation agreement conclusion program is provided in the employee terminal, the user interface concludes the donation agreement It does not have to be provided from the server 100, thereby the present invention is not limited.

5A and 5B, the employee terminal shown in FIG. 2 is referred to as a “terminal” for convenience, and the donation agreement fastening server 100 shown in FIG. 2 is referred to as a “server” for convenience. The donor information, the donation agreement information, the commitment period information and the agreement conclusion approval information transmitted to the donation agreement conclusion server 100 is referred to as "donation agreement conclusion information" for convenience.

Referring to FIGS. 5A and 5B, when a given donor creates and submits a donation agreement including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion information, in order to make a donation agreement, The employee terminal shown in 2 is connected to the server through a predetermined financial network to connect a predetermined communication channel, and enters a donation agreement for procurement of public utilities through the liquidation of donation bonds corresponding to the donation agreement. Upon requesting a user interface (500), in response, the server inputs (or selects) donation agreement conclusion information corresponding to the donation agreement created by the donor in the terminal, and inputs the donation agreement information to the donation agreement through a predetermined image acquisition device. For acquiring the corresponding predetermined image content and transmitting the same to the server; Generating a user interface (or extract), and 505, and outputs through the financial network transmits the user interface the generated (or extracted) to the mobile station (510).

Thereafter, the terminal inputs (or selects) donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (515).

If the donation agreement execution information is input (or selected) including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the user interface (520), the terminal receives the user interface. In operation 525, image contents corresponding to the donation agreement are obtained through a predetermined image obtaining apparatus.

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

Thereafter, the server receives and reads donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the financial network to validate the donation agreement conclusion information. Check (540).

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirming unit 220 is the information contained in the donation commitment conclusion information, the donor information (donor personal information, member information, etc.) is the ledger on the financial system associated with the donation commitment conclusion system D / It is preferable to include checking whether the match with the customer ledger stored in B.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 220 is an association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information included in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

If the validity of the donation agreement conclusion information is not authenticated (545), the server generates a predetermined donation agreement conclusion error information and transmits it to the terminal (550), the donation agreement conclusion corresponding to the donation agreement conclusion information Do not perform the procedure.

On the other hand, if the validity of the donation agreement conclusion information is authenticated (545), the server generates a predetermined donation agreement conclusion electronic document containing the image content (555).

According to an exemplary embodiment of the present invention, the server provides an image file including the image content received from the terminal device through the image receiving unit 215 as it is to contribute to the public interest fund through the liquidation of the donation bonds. It is advisable to treat donation agreement signing electronic documents.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And donation agreement for signing a donation agreement for procurement of public utilities through image file corresponding to the image contents including at least one or more information of the agreement approval approval information in a watermarking manner. It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the terminal device through the image receiving unit 215. (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) to generate public utility funds through the securitization of the donation claims. It is desirable to create a donation agreement conclusion document that concludes a donation agreement.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And generating image content including at least one or more of the contract conclusion approval information in a watermarking manner, and including a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, or By generating an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT, etc. It is desirable to create a donation agreement conclusion document that concludes a donation agreement.

According to another exemplary embodiment of the present invention, the server may include the image content received from the terminal device through the image receiving unit 215 and donation contract conclusion information received through the information receiving unit 210. Generate a document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate a donation agreement conclusion electronic document that concludes a donation agreement for the public interest fund procurement through the liquidation of the donation bonds.

Alternatively, the server may include donor information, donation agreement information, and contract period information included in donation agreement conclusion information received through the information receiver 210 on the image content received from the terminal device through the image receiver 215. And an image content including at least one or more of the contract conclusion approval information in a watermarking manner, and a predetermined document file (eg, PDF (Portable) including the generated image content and the donation contract conclusion information. Document format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). To generate a donation agreement electronic document to enter into a donation agreement for public utility funding It is preferred.

Those skilled in the art to which the present invention pertains include technical features that the server generates a donation agreement conclusion electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation agreement conclusion electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation agreement conclusion electronic document in a predetermined electronic document storage (560).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 260 associated with a server on the donation agreement fastening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated donation commitment fastening electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (260).

Alternatively, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the server corresponds to the generated electronic document archive on the DBMS provided in the donation agreement fastening system. The electronic document D / B 260 can be stored, and the present invention is not limited thereto.

According to an embodiment of the present invention, storing the donation agreement conclusion electronic document in the electronic document storage, the electronic donation agreement conclusion electronic document and the predetermined electronic document management information in conjunction with the generated electronic document shown in Figure 2 It is preferable to include storing in the document D / B 260.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation agreement conclusion electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation agreement conclusion electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, donor information in which a donation agreement corresponding to the image content is written, financial institution information transmitting the donation agreement conclusion electronic document, or electronic document file format information). , Or the donation agreement conclusion information and the like).

If the donation agreement conclusion electronic document is stored in the electronic document storage room (565), the server performs a process of linking the donor information, donation agreement information, agreement period information and agreement conclusion approval information included in the donation agreement conclusion information Stored in a predetermined contract D / B (240) (570), a predetermined donation commitment conclusion information (e.g., the history of storing the donation commitment conclusion electronic document in the electronic document storage, or the contract conclusion D / B In step 240, the details of storing the donation contract conclusion information) are generated (or extracted) and transmitted to the terminal (575).

According to one embodiment of the present invention, the contract conclusion D / B 240 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 240 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 240 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided on (or associated with) the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

6 is a diagram illustrating a non-face-to-face donation agreement conclusion system for concluding a donation agreement for public utility fund procurement through securitization of donation bonds according to another embodiment of the present invention.

In more detail, FIG. 6 shows at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information for a given donor to conclude the donation agreement with a donation agreement conclusion system through a given donation agreement conclusion interface. When providing the donation agreement conclusion information including the above, the donation agreement conclusion system to generate a predetermined donation agreement conclusion electronic document containing the donation agreement conclusion information provided and stored in a predetermined electronic document storage, the donation agreement conclusion information The present invention relates to a system configuration for linking and processing the donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in a predetermined agreement conclusion D / B 640. Signing of the Donation Agreement through Communications It relates to a method embodiment, which is provided on the external system associated with the system.

Those skilled in the art to which the present invention pertains, various implementation methods for the constitution of the donation agreement fastening system for concluding the donation agreement for public utility fund procurement through the securitization of donation claims by referring to or modifying this figure 6 Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to or modify the drawing 6 to infer an implementation method provided in the DBMS in which the electronic document repository is located in the donation agreement fastening system. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 6, the donation commitment fastening electronic document is illustrated and described as being generated on the server side on the donation commitment fastening system, but the present invention is not limited thereto. The contract conclusion electronic document may be generated on the terminal side that inputs (or selects) the donation contract conclusion information and transmits the information (for example, the electronic document generation function provided on the server side is provided on the terminal side so that the donation contract conclusion electronic document may be generated). Document), by which the present invention is not limited.

Hereinafter, the donation agreement conclusion information is received from the donor through a predetermined donation agreement conclusion interface on the donation agreement conclusion system shown in FIG. 6 to generate a predetermined donation agreement conclusion electronic document, and store it in a predetermined electronic document repository. At least one means for storing the donation contract conclusion information in a predetermined contract conclusion D / B 640 or a component corresponding to a functional configuration is referred to as a "donation contract conclusion server 105" for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a donation agreement conclusion system for concluding a donation agreement for public utility fund procurement through securitization of donation bonds includes at least one wired terminal or a wireless terminal used by a donor. And a contract conclusion terminal comprising at least one client terminal or the like, wherein the contract conclusion terminal is a donation contract conclusion server 105 provided on the donation contract conclusion system through a predetermined network means. ) And the communication channel are connected.

According to an embodiment of the present invention, the donor connects to the donation agreement conclusion server 105 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, Entering (or selecting) donation agreement conclusion information for signing a donation agreement for procurement of a public utility fund through the liquidation of the donation bond through the at least one user interface provided by the donation agreement execution server 105, the client terminal In the transfer through the predetermined network means to the donation commitment fastening server 105 provided on the donation commitment fastening system is preferred.

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

In addition, a wireless terminal connected to the wireless communication network is connected to all terminal devices connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or a mobile Internet based on IEEE 802.16x. General term for all terminal devices or all terminal devices connected to an IEEE 802.11x-based wireless LAN, a Personal Communication System (PCS) or Global System for Mobile (GSM) connected to the CDMA-based (or HSDPA-based) mobile communication network. communications terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smartphone (Smart Phone) or Telematics, or the IEEE A portable Internet terminal connected to an 802.16x based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x based wireless LAN It is preferable to include at least one or more.

In addition, the donation agreement execution server 105 is connected to the client terminal is one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and the network means, or the donation commitment It is preferable to include a separate web server for fastening.

In addition, the network means for connecting the client terminal and the donation agreement execution server 105 may be a CDMA based (or HSDPA based) mobile communication network or IEEE 802.16x based portable Internet according to the type of wireless communication network connected to the client terminal. Or, it is preferable that any one of the IEEE 802.11x-based wireless LAN, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the donation agreement execution server 105, and inputs or selects at least one or more information through the user interface and transmits the data to the donation agreement execution server 105. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and a communication function to communicate with the donation contract execution server 105, etc.) is provided.

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

In the donation agreement fastening system as described above, a client terminal including at least one or more wired terminal or wireless terminal used by the donor, at least one wire communication network connecting the client terminal and the donation agreement fastening server 105 or The wireless communication network performs a function of a donation agreement conclusion interface for the donor to register donation agreement conclusion information in order to conclude the donation agreement.

According to another exemplary embodiment of the present invention, the contract execution terminal may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network), in addition to the client terminal. A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the donation agreement fastening system as described above, when the agreement fastening terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the donation agreement fastening server ( 105) the financial network connecting the donor performs a function of a donation agreement conclusion interface for registering the donation agreement conclusion information for the donor to conclude the donation agreement, or the agreement conclusion terminal is the call terminal (not shown) In this case, a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the donation agreement conclusion server 105 may be used by the donor to conclude the donation agreement. To perform the function of the donation agreement fastening interface for registering a, or the agreement fastening terminal is the gold In the case of a terminal (or server) (not shown) provided in an institution affiliated with an institution, the donation contract conclusion server 105 with the terminal (or server) (not shown) and the terminal (or server) (not shown). The network that connects the donor performs a function of a donation agreement conclusion interface for registering the donation agreement conclusion information to conclude the donation agreement.

The agreement conclusion D / B 640 provided on the donation agreement conclusion system according to the present invention includes the donor information, the donation agreement information, the agreement period information, and the agreement included in the donation agreement conclusion information provided from the agreement conclusion terminal. It is characterized in that the fastening approval information is stored in a predetermined contract fastening D / B (640) by linking.

The donor information includes the donor's personal information (eg, donor's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the donor's member information (eg, the donor has the financial information). By signing up as a financial transaction donor of an institution, the member ID information, or CIF (Customer Information File) number, etc., provided in the customer ledger provided on the financial system associated with the donation agreement conclusion system in response to the donor It is preferable to include at least one.

The donation agreement information is information on the donation agreement content, the estimated donation amount for the donation agreement, and the purpose of donation (for example, small business development, venture company support, senior welfare, hunger child relief, disability welfare, disaster relief, Construction of homeless accommodations, helping boys and girls, helping disadvantaged neighbors, etc., and donation conditions (e.g., a donor for a home run if the donor is a baseball player, or if the donor is a writer, Conditions for donating money, etc.), and donor side association (for example, if the donor is a baseball player association, if the donor is a writer association, etc.) and the like is preferably made.

The commitment period information is information on the donation payment period, and the expiration date of the donation payment (for example, the donation payment expiration date is the end date of the season when the donor is a baseball player who has contracted a certain amount of money per home run as the donation condition). And at least one or more of the donation payment period (eg, the film donation period in which the donor commits a certain ratio to the audience's income as the donation condition, and the donation payment period is a movie screening period).

The agreement conclusion approval information is information to approve the conclusion of the donation agreement, it is preferable to include at least one or more information and the like to agree to pay the donation.

According to an embodiment of the present invention, the contract conclusion D / B 640 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 640 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 640 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided (or linked) on the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

The donation agreement fastening server 105 provided on the donation agreement fastening system according to the present invention is a generic term for the donation agreement fastening system side components connected to the agreement fastening terminal and a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the contract execution terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the donation contract execution server 105 is the Internet banking A predetermined Internet banking server provided on the system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the alien, whereby the present invention is not limited do.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the donation contract execution server 105 is on the wireless banking system. Is a predetermined wireless banking server provided in the program, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the donation contract execution server 105 is on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided in the program, or a program provided in the telebanking server, or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) that is a server (or device), a program included in the server (or device), or an external device on the financial system accessible through the telebanking server (or the server (or device)). Or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the donation contract execution server 105 is the TV banking. A predetermined TV banking server provided on the system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or a target on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to the implementation method of the present invention, the donation commitment server 105 is characterized in that it comprises an interface unit 600 for connecting and managing a predetermined communication channel with the commitment terminal through the network means.

According to an embodiment of the present invention, when the contract execution terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface unit 600 may be connected to the wired communication network or a wireless communication network. Connect a predetermined communication channel with the client terminal based on a defined protocol stack, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. It is desirable to.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 600 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the donation contract execution server 105, the interface unit 600 may be connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a financial automation device connected to a predetermined financial network, the interface unit 600 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 600 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (7ireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 600 connects a communication channel with the client terminal based on the CDMA protocol. A WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (7 wireless markup language) compatible web page or an HTML compatible web page) or information.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the donation contract execution server 105, the interface unit 600 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 600 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 600 provides a communication interface for transmitting and receiving DTMF (Dual Tone MultiFrequency) based information through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the contract execution terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 600 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 6, when the donation agreement server 105 connects a donation agreement server 105 and a predetermined communication channel through a predetermined agreement connection terminal, the donation agreement server, the donation agreement To create (or extract) at least one user interface for inputting (or selecting) predetermined donation contract conclusion information from the contract conclusion terminal to transmit to the donation contract conclusion server 105, and the interface unit An interface providing unit 605 providing the generated (or extracted) user interface to the contract execution terminal in connection with 600, and inputting the donation contract conclusion information from the contract conclusion terminal through the user interface; (Or select) the transmission, the base transmitted from the contract conclusion terminal in connection with the interface unit 600 And an information receiving unit 610 for receiving a fastening arrangement is characterized in that information is made.

The interface providing unit 605 connects the donation agreement fastening server 105 and a predetermined communication channel through the agreement fastening terminal through the interface unit 600, and then the donation to the donation agreement fastening server 105. When a user interface requesting a donation agreement is requested to procure a public utility fund through securitization of bonds, the donation agreement execution server inputs (or selects) predetermined donation agreement conclusion information from the agreement conclusion terminal and the donation agreement conclusion server through the network means. Create at least one user interface to be transmitted to 105, or extract from a predetermined database (not shown), and link the network means with the generated (or extracted) user interface in conjunction with the interface unit 600. It is characterized in that it is provided to the agreement through the terminal.

According to an embodiment of the present invention, when the contract execution terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 605 may be a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 600.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a financial automatic device connected to a predetermined financial network, the interface providing unit 605 may provide a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 600.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 605 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 600.

According to another exemplary embodiment of the present invention, when the contract execution terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 605 may be provided to the call terminal (not shown). Producing (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 600. It is preferable.

According to another exemplary embodiment of the present invention, when the contract termination terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 605 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 600.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined donation agreement conclusion information to the agreement conclusion terminal and transmitting the donation agreement conclusion server 105 through the network means is provided. When a predetermined donation agreement execution program is provided, a user interface for inputting (or selecting) predetermined donation agreement execution information as described above to be transmitted to the donation agreement execution server 105 is generated (or extracted). The interface providing unit 605 provided to the contract termination terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the contract execution terminal inputs (or selects) donation contract conclusion information including at least one of the donor information, the donation contract information, the contract period information, and the contract conclusion approval information through the user interface, and the input (or Select) the donation commitment conclusion information is transmitted to the donation commitment conclusion server 105 through the network means, correspondingly the information receiving unit 610 is transmitted from the agreement conclusion terminal in connection with the interface unit 600; Characterized in that for receiving the donation commitment concluded information.

According to the implementation method of the present invention, the agreement conclusion terminal is the donation agreement conclusion information to the donation agreement conclusion information including at least one or more of the donor information, donation agreement information, commitment period information and agreement conclusion approval information in the donation agreement conclusion server 105 The donation agreement through the network means further comprises at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for confirming the validity of the donation agreement conclusion information It is preferable to transmit to the fastening server 105.

According to an exemplary embodiment of the present invention, the contract execution terminal may include at least one encryption scheme (eg, a symmetric key) for donation contract conclusion information including at least one of the donor information, the donation contract information, the contract period information, and the contract conclusion approval information. Based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) or by attaching a predetermined electronic signature to the donation agreement conclusion information through the network means. It is preferable to transmit to the donation agreement conclusion server 105, for this purpose, the agreement conclusion terminal is provided with at least one encryption key corresponding to the encryption scheme, or predetermined predetermined certificate including at least one encryption key. Equipped with or the official certificate If provided in the definition IC chip (or IC card) it is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation agreement conclusion information, and the technical features of attaching a predetermined electronic signature to the donation agreement conclusion information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 6, when the donation agreement conclusion information is received from the donation agreement termination information transmitted from the agreement conclusion terminal through the information receiver 610, the donation agreement conclusion information is received from the donation agreement conclusion information. Characterized in that it comprises a validity check unit 620 to determine whether to meet the validity of the conclusion of the donation agreement for the procurement of public utilities through the securitization of the.

According to an embodiment of the present invention, the donation commitment conclusion information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the validation unit 620 is one or more decryption methods (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted donation commitment conclusion information corresponding to the encryption method Envelope-based decryption scheme, or key exchange-based decryption scheme, etc.), it is desirable to authenticate the validity of the received donation commitment conclusion information.

Alternatively, when a predetermined electronic signature is attached to the donation agreement conclusion information, the validity verification unit 620 checks the electronic signature attached to the donation agreement conclusion information, thereby validating the validity of the received donation agreement conclusion information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted donation agreement conclusion information, and technical features for confirming an electronic signature attached to the donation agreement conclusion information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the donation agreement conclusion information received through the information receiving unit 610 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the donation agreement conclusion information, the validity confirmation unit 620 ) Compares and authenticates the password received included in the donation agreement conclusion information and the password provided corresponding to the donor on the DBMS, thereby authenticating the validity of the received donation agreement conclusion information.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined security card information for confirming the validity of the donation agreement conclusion information, the validity confirmation unit 620 is the It is preferable to authenticate the validity of the received donation agreement conclusion information by comparing and authenticating the received security card information included in the donation agreement conclusion information with the security card information provided corresponding to the donor on the DBMS.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined OTP code for confirming the validity of the donation agreement conclusion information, the validity confirmation unit 620 is the donation By comparing and authenticating the received OTP code included in the contract conclusion information and the OTP code generated based on predetermined OTP generation information provided corresponding to the donor on the DBMS, the validity of the received donation contract conclusion information is verified. It is desirable to authenticate.

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirming unit 620 may include, among the information included in the donation agreement conclusion information, the donor information (donor personal information, member information, etc.) of the ledger on the financial system associated with the donation agreement conclusion system D / B It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 620 is the association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information contained in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

Referring to FIG. 6, when the donation agreement conclusion server 105 validates the donation agreement conclusion information through the validity confirming unit 620, a donation agreement including the received donation agreement conclusion information is provided. And an electronic document generator 625 for generating a contract electronic document, and an electronic document transmitter 630 for transmitting the generated donation contract contract electronic document to an electronic document repository associated with the donation contract contract system. It features.

The electronic document generating unit 625 generates a donation agreement conclusion electronic document including the donation agreement conclusion information received from the agreement conclusion terminal through the information receiving unit 610.

According to an exemplary embodiment of the present invention, the electronic document generator 625 may include donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiver 610. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. Word processor files, or web document files including MHT), it is preferable to treat the donation agreement electronic document to enter into a donation agreement for the procurement of public utility funds through the liquidation of the donation claims.

Alternatively, the electronic document generation unit 625 may include at least one donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiving unit 610. After generating content and including at least one or more of the donor information, the donation commitment information, the commitment period information and the agreement conclusion approval information included in the donation commitment conclusion information in the document content, the watermarking method; Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Donation agreement for financing public utilities through the securitization of donation bonds. It is desirable to process the donation agreement to be signed.

Alternatively, the electronic document generation unit 625 may include at least one donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiving unit 610. Procurement of public utility funds through the creation of content and an image file including image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory) For this purpose, it is desirable to treat the donation agreement as an electronic document.

Alternatively, the electronic document generation unit 625 may include at least one donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiving unit 610. Donor information, donation agreement information, and contract period included in the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that generates content and captures the document content. After including at least one of the information and the agreement approval information in a watermarking (Watermarking) method, the donation to the public interest fund through the liquidation of the donation bonds an image file containing the image content including the watermarking Donation agreement to conclude the agreement It is desirable to treat as an electronic document It is.

According to another exemplary embodiment of the present invention, the electronic document generating unit 625 may grant donor information, donation agreement information, agreement period information, and agreement conclusion agreement included in the donation agreement conclusion information received through the information receiving unit 610. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is treated as a donation agreement signing electronic document that concludes a donation agreement for financing public utilities through securitization. Preferable.

Alternatively, the electronic document generation unit 625 may include at least one donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiving unit 610. Donor information, donation agreement information, and contract period included in the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that generates content and captures the document content. A document file (eg, a Portable Document Format (PDF) file) generating image content including at least one of information and contract conclusion approval information in a watermarking manner, and including the image content including the watermarking; , Or at least one EDI (Electronic Data Interchange) file, or HWP / DOC. By creating a web page file, and so on) that include the word-processor file, or MHT, it is preferably treated with a subscription agreement signed electronic document signing a subscription agreement for public services financed through fluidization of the contributions bonds.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 may include donor information, donation agreement information, agreement period information, and agreement included in the donation agreement conclusion information received through the information receiver 610. Generate document content including at least one conclusion approval information, and include image content (eg, image content generated by capturing the document content on a memory) and the donation commitment conclusion information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) By creating a donation agreement to enter into a donation agreement for the procurement of public utility funds through the securitization of the donation claims; It is preferred to handle electronically.

Alternatively, the electronic document generation unit 625 may include at least one donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the donation agreement conclusion information received through the information receiving unit 610. Donor information, donation agreement information, and contract period included in the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that generates content and captures the document content. A document file (eg, PDF) that generates image content including at least one of information and contract conclusion approval information by a watermarking method, and includes the watermarking image content and the donation contract conclusion information; (Portable Document Format) files, or EDI (Electronic Data Interchange) files, or HWP / DOC By generating a word processor file including at least one or the like, or a web document file including an MHT), and processing the donation agreement as an electronic document for signing a donation agreement for financing public utilities through the liquidation of the donation claims. It is desirable to.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 625 generates a donation commitment conclusion electronic document of the image file format or a predetermined document file format, and the donation commitment conclusion Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 630 transmits and stores the donation agreement conclusion electronic document generated by the electronic document generation unit 625 to a predetermined electronic document repository associated with the donation agreement conclusion system. .

As shown in FIG. 6, the electronic document repository is connected with a donation agreement execution server 105 on the donation agreement execution system and a predetermined electronic document server 115 and an electronic document D / B ( When provided to the outside, including the 660, the electronic document transmission unit 630 is the electronic document server 115 through the communication means for the donation commitment fastening electronic document generated by the electronic document generation unit 625 It is characterized in that for transmitting.

Here, when the electronic document server 115 and the electronic document D / B 660 is provided outside the donation commitment fastening system, the electronic document server 115 and the electronic document D / B 660 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the electronic document transmitting unit 630 is generated by the electronic document generating unit 625. It is possible to store the donation agreement fastening electronic document in the electronic document D / B 660 corresponding to the electronic document storage on the DBMS provided in the donation agreement fastening system, whereby the present invention is not limited.

According to the method of the present invention, the electronic document transmission unit 630 inputs electronic document related information (for example, the donation contract conclusion information) for generating predetermined electronic document management information in the electronic document server 115 ( Optionally, the donor information, or financial institution information for transmitting the donation agreement conclusion document, or the electronic document file format information, or the donation agreement conclusion information, etc.) may be transmitted to the electronic document repository. The present invention is not limited thereto.

Referring to FIG. 6, the donation agreement conclusion server 105 procures the public interest fund through the donation agreement conclusion information received through the information receiving unit 610 through the liquidation of the donation bond through the validity checking unit 620. If the validity of the conclusion of the donation agreement for the authentication is authenticated, the donor information, the donation agreement information, the agreement period information and the agreement conclusion approval information included in the donation agreement conclusion information of the validity is confirmed and linked to a predetermined agreement conclusion D / It is characterized by comprising an information storage unit 635 to be stored in the B (640).

When the validity of the donation agreement conclusion information is confirmed by the validity confirming unit 620, the information storage unit 635 concludes a donor information, a donation agreement information, a contract period information, and an agreement period included in the donation agreement conclusion information. Characterized in that the connection information is stored in the contract conclusion D / B (640), the contract conclusion D / B (640) is provided in the donation commitment server 105, or the donation commitment server When provided on the network associated with 105, the information storage unit 635 processes the donor information, the donation commitment information, the commitment period information and the agreement conclusion approval information included in the received donation agreement conclusion information by It is preferable to store the contract in the D / B 640. When the contract in the D / B 640 is provided in the DBMS provided on the financial system, the information storage unit 635 A contributor information and contribution arrangement information and the contract period information and the agreement signed authentication information contained in the Placed subscription agreement signed information through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 6, an electronic device that receives a donation agreement conclusion electronic document from the donation agreement conclusion server 105 provided on the donation agreement conclusion system and stores and manages it in a predetermined electronic document D / B 660. The document server 115 may include an electronic document receiver 645 for receiving a predetermined donation agreement conclusion electronic document from the donation agreement conclusion server 105 through a predetermined communication means, and the received donation agreement conclusion electronic document. An information generation unit 650 for generating predetermined electronic document management information for storing and managing in the electronic document D / B 660, and the electronic document management information and the donation agreement conclusion electronic document in a cooperative process for a predetermined electronic document. And an electronic document storage unit 655 to store the document D / B 660.

The electronic document receiving unit 645 may receive a donation agreement conclusion electronic document in the form of an image file or a document file from the donation agreement conclusion server 105 through the communication means.

According to the exemplary embodiment of the present invention, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means, the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal; A document file (eg, a Portable Document Format (PDF) file, or an Electronic Data Interchange (EDI) file) containing document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion information included in the document. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means is a donation information and donation included in the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. Water the donor information, the donation agreement information, the commitment agreement information, the agreement period information, and the agreement approval information included in the donation agreement conclusion information into document contents including at least one of the agreement information, the agreement period information, and the agreement conclusion approval information. At least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking after being included in a watermarking method. Including word processing files, web document files containing MHT, etc.) From being bait it is preferred.

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means is a donation information and donation included in the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of the agreement information, the agreement period information, and the agreement conclusion approval information. It is preferable to make it.

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means is a donation information and donation included in the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. To the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of the contract information, the contract period information, and the contract conclusion approval information. After including at least one or more information of the included donor information, donation commitment information, commitment period information and agreement conclusion approval information by a watermarking method, and comprises an image file including the image content including the watermarking It is preferable.

According to another exemplary embodiment of the present invention, the donation agreement fastening electronic document received by the electronic document receiving unit 645 through the communication means is a donation agreement fastening that the donation agreement fastening server 105 receives from the agreement fastening terminal. Image content capturing document content including at least one or more of donor information included in the information, donation agreement information, agreement period information, and agreement conclusion information (eg, image content generated by capturing the document content on a memory). A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means is a donation information and donation included in the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. To the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of the contract information, the contract period information, and the contract conclusion approval information. A document including image information including at least one of included donor information, donation agreement information, agreement period information, and agreement conclusion approval information by a watermarking method, and including the image content including the watermarking; Files (e.g., Portable Document Format (PDF) files, or EDI (Electron) ic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the donation agreement fastening electronic document received by the electronic document receiving unit 645 through the communication means is a donation agreement that the donation agreement fastening server 105 received from the agreement fastening terminal. Image content capturing document content including at least one of donor information, donation agreement information, contract period information, and contract conclusion approval information included in the conclusion information (eg, an image generated by capturing the document content on a memory). A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the contents and the donation agreement conclusion information; Or a web document file including the MHT).

Alternatively, the donation agreement conclusion electronic document received by the electronic document receiving unit 645 through the communication means is a donation information and donation included in the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. To the donation agreement conclusion information to the image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of the contract information, the contract period information, and the contract conclusion approval information. Generating image content including at least one of included donor information, donation agreement information, agreement period information, and agreement conclusion information by watermarking, and the image content including the watermarking and the donation agreement Document file containing fastening information (e.g. PDF (Portable Do) cument Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT).

The information generating unit 650 is a predetermined electronic document unique number (or unique information) to be assigned to the donation commitment conclusion electronic document received through the electronic document receiving unit 645, and through the electronic document receiving unit 645 And generating electronic document management information including electronic document storage date and time information including a date and time at which the donation contract conclusion electronic document was received (or a date and time at which the donation contract conclusion electronic document was stored).

According to the exemplary embodiment of the present invention, the information generation unit 650 refers to the donation agreement conclusion server 105 which transmitted the donation agreement conclusion electronic document received through the electronic document receiver 645 and the donation agreement. It is preferable to identify the financial institution that transmitted the signed electronic document and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 645 further receives a predetermined electronic document-related information from the donation agreement conclusion server 105, the information generating unit 650 is the reception Electronic document related information (e.g., donor information transmitted by inputting (selecting) the donation agreement execution information, or financial institution information transmitting the donation agreement agreement electronic document, electronic document file format information, or the donation agreement agreement) It is preferable to generate electronic document management information further including information).

The electronic document storage unit 655 associates a donation agreement conclusion electronic document received through the electronic document receiving unit 645 with electronic document management information generated through the information generating unit 650 to process a predetermined electronic document D. / B 660 characterized in that the storage.

According to the exemplary embodiment of the present invention, the donation agreement fastening electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 is the donation agreement fastening server 105 from the agreement fastening terminal. A document file (eg, a Portable Document Format (PDF) file, or EDI) containing document content including at least one or more of donor information, donation agreement information, commitment period information, and agreement approval information included in the received donation agreement conclusion information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 is the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. Document content that includes at least one of donor information, donation agreement information, agreement period information, and agreement conclusion information included in the donor information, donation agreement information, agreement period information, agreement agreement approval information included in the donation agreement conclusion information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or A word processor file including at least one HWP / DOC, or a web document file including an MHT) It is preferable to make.

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 may be included in the donation agreement conclusion information received from the agreement conclusion terminal by the donation agreement conclusion server 105. Image content (eg, image content generated by capturing the document content on the memory) which captures document content including at least one of included donor information, donation agreement information, agreement period information, and agreement conclusion information. It is preferable to include an image file to include.

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 is the donation agreement conclusion information received by the donation agreement conclusion server 105 from the agreement conclusion terminal. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the information. After including at least one or more of the donor information, the donation commitment information, the commitment period information and the agreement conclusion approval information included in the donation agreement conclusion information in a watermarking method, and includes the image content including the watermarking It is preferable to include an image file.

According to another exemplary embodiment of the present invention, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 is the donation agreement conclusion server 105 is the agreement conclusion terminal Image content (e.g., the document content is captured on the memory) that captures document content including at least one of donor information, donation agreement information, agreement period information, and agreement agreement approval information included in donation agreement conclusion information received from A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, or a word processor file including at least one HWP / DOC, etc.) including captured and generated image content; or Web document file including MHT).

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 may be included in the donation agreement conclusion information received from the agreement conclusion terminal by the donation agreement conclusion server 105. To image content (eg, image content generated by capturing the document content on a memory) including document information including at least one of included donor information, donation agreement information, agreement period information, and agreement conclusion information. Generating image contents including at least one of donor information included in the donation agreement conclusion information, donation agreement information, agreement period information, and agreement conclusion approval information by a watermarking method, and including the watermarking Document files containing image content (eg, Portable Document Format (PDF) files, or EDI (Electr) onic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the donation agreement fastening electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 is the donation agreement fastening server 105 fastening the agreement. Image content capturing document content including at least one of donor information included in donation agreement conclusion information received from the terminal, donation agreement information, agreement period information, and agreement agreement approval information (eg, the document content is stored in memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) including image content captured and generated on the webpage and the donation agreement conclusion information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the donation agreement conclusion electronic document stored in the electronic document D / B 660 by the electronic document storage unit 655 may be included in the donation agreement conclusion information received from the agreement conclusion terminal by the donation agreement conclusion server 105. To image content (eg, image content generated by capturing the document content on a memory) including document information including at least one of included donor information, donation agreement information, agreement period information, and agreement conclusion information. Generating image contents including at least one of donor information included in the donation agreement conclusion information, donation agreement information, agreement period information, and agreement conclusion approval information by a watermarking method, and including the watermarking Document files (eg, PDF (Portable D) containing image contents and the donation agreement conclusion information. ocument Format file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 660 by the electronic document storage unit 655 in association with the donation contract conclusion electronic document is stored in the electronic document D / B 660. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 660 by processing the electronic document storage unit 655 in association with the donation contract conclusion electronic document is entered into the donation commitment contract. The donation agreement conclusion server that sent the electronic document is preferably made of a financial institution further includes the information sent to the donation agreement conclusion electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the donation contract execution server 105, the electronic document storage unit 655 processes the connection with the donation contract conclusion electronic document. The electronic document management information stored in the electronic document D / B 660 includes donor information transmitted by inputting (selecting) the received electronic document related information (for example, the donation agreement conclusion information, or the donation agreement conclusion electronic). Financial institution information for transmitting a document, electronic document file format information, or the donation agreement conclusion information, etc.).

7A and 7B illustrate a process of registering donation agreement conclusion information in a non-face-to-face manner to conclude a donation agreement according to one embodiment of the present invention.

In more detail, FIGS. 7A and 7B illustrate a contract terminal on the donation contract conclusion system shown in FIG. 6, wherein the client terminal is a client terminal, and the donation contract server 105 is accessible to a client terminal through a predetermined network means. In the case of having a server function, a donor contract conclusion information including a donor information, donation commitment information, commitment period information and agreement conclusion approval information through a client terminal for a predetermined donor to conclude the donation commitment Providing a donation agreement conclusion electronic document containing the provided donation agreement conclusion information in the donation agreement conclusion system, and stores in a predetermined electronic document storage, and the donor information included in the donation agreement conclusion information Donation agreement information and commitment period information, As an embodiment of the present invention relates to a method of storing agreement agreement approval information in a predetermined agreement agreement D / B 640, and those skilled in the art to which the present invention pertains, refer to FIGS. 7A and 7B. Alternatively, the present invention may infer various implementation methods for registering the donation agreement conclusion information from the client terminal to the donation agreement conclusion server 105 by modifying the present invention. And not limited to the embodiment shown in Figure 7b.

For example, in the implementation method illustrated in FIGS. 7A and 7B, the donation agreement execution server 105 provides a user interface for the client terminal to input (or select) the donation agreement execution information through a predetermined web page. Although illustrated as being provided, when the client terminal is provided with a predetermined donation agreement execution program, the user interface may not be provided from the donation agreement execution server 105, whereby the present invention is not limited. .

Hereinafter, in FIG. 7A and FIG. 7B, the client terminal shown in FIG. 6 is referred to as a “terminal” for convenience, and the donation contract execution server 105 shown in FIG. 6 is referred to as a “server” for convenience. The donor information, the donation agreement information, the commitment period information and the agreement conclusion approval information transmitted to the donation agreement conclusion server 105 is referred to as "donation agreement conclusion information" for convenience.

7A and 7B, when the client terminal illustrated in FIG. 6 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Access to the server through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN) to connect a predetermined communication channel, and the public interest through the securitization of the donation bonds. When requesting a web page including a user interface for signing a donation agreement for financing business finance (700), in response, the server provides at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information. A user interface for inputting (or selecting) donation agreement conclusion information including the above information and transmitting the same to the server; A web page including the web page is generated (or extracted) (705), and the web page including the generated (or extracted) user interface is transmitted to the terminal and output (710) through the network means.

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the donation agreement conclusion information registration procedure, and the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) donation agreement conclusion information including at least one or more donor information, donation agreement information, agreement period information, and agreement conclusion approval information through the user interface included in the web page (715).

If the terminal inputs (or selects) donation agreement information including donor information, donation agreement information, agreement period information, and agreement conclusion approval information through the user interface (720), the terminal establishes the communication channel. The inputted (or selected) donor information, donation agreement information, agreement period information, and agreement conclusion approval information are transmitted to the server (725).

According to an embodiment of the present invention, the terminal is effective on the donation agreement conclusion information in the server to the donation agreement conclusion information including at least one of the donor information, donation commitment information, commitment period information and agreement conclusion approval information Preferably, at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or attach a predetermined electronic signature to the donation agreement conclusion information to the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. When equipped with an IC chip (or IC card), It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption scheme (eg, based on a symmetric key) for donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information. An encryption method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC is provided with at least one encryption key corresponding to, or with a predetermined certificate including at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card). Card reader to check the accredited certificate on the chip (or IC card) Is provided is preferable.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation agreement conclusion information, and the technical features of attaching a predetermined electronic signature to the donation agreement conclusion information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the communication channel to confirm the validity of the donation agreement conclusion information (730).

According to an embodiment of the present invention, the donation commitment conclusion information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted with the at least one decryption method (eg, symmetric key based decryption method, public key based decryption method, or electronic envelope based decryption method) corresponding to the encrypted method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received donation commitment conclusion information.

Alternatively, when a predetermined electronic signature is attached to the donation agreement conclusion information, the server may verify the validity of the received donation agreement conclusion information by checking the electronic signature attached to the donation agreement conclusion information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted donation agreement conclusion information, and technical features for confirming an electronic signature attached to the donation agreement conclusion information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the donation agreement conclusion information received through the information receiving unit 610 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the donation agreement conclusion information, the server is the donation agreement It is preferable to authenticate the validity of the received donation commitment conclusion information by comparing and authenticating the received password included in the conclusion information with the password provided corresponding to the donor on the DBMS.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined security card information for confirming the validity of the donation agreement conclusion information, the server to the donation agreement conclusion information Comparing and authenticating the received security card information and the security card information provided corresponding to the donor on the DBMS, it is preferable to authenticate the validity of the received donation commitment conclusion information.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined OTP code for confirming the validity of the donation agreement conclusion information, the server is included in the donation agreement conclusion information. It is preferable to authenticate the validity of the received donation commitment conclusion information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the donor on the DBMS. .

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirming unit 620 may include, among the information included in the donation agreement conclusion information, the donor information (donor personal information, member information, etc.) of the ledger on the financial system associated with the donation agreement conclusion system D / B It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 620 is the association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information contained in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

If the validity of the donation agreement conclusion information is not authenticated (735), the server generates a web page containing a predetermined donation agreement conclusion error information and transmits it to the terminal (740), the donation agreement conclusion information Do not perform the corresponding donation commitment process.

On the other hand, when the validity of the donation agreement conclusion information is authenticated (735), the server includes at least one donor information including the donation agreement conclusion information, donation agreement information, agreement period information and agreement conclusion approval information The document content is generated (745), and a predetermined donation agreement conclusion electronic document including the document content is generated (750).

According to an exemplary embodiment of the present invention, the server generates document contents including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably treated as a donation agreement signing electronic document which concludes a donation agreement for the procurement of public utility funds through the liquidation of the donation claims.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and the donation agreement to the document content. A document file including document contents including the watermarking after including at least one of donor information, donation agreement information, contract duration information, and contract conclusion approval information included in the conclusion information in a watermarking manner; For example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT, etc.) Donation agreement electronic document to enter into a donation agreement for public utility funding through To treatment it is preferred.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. An image file containing an image content (e.g., image content generated by capturing the document content on a memory) is processed as a donation agreement electronic document which concludes a donation agreement for public utility funding through the liquidation of the donation bond. It is desirable to.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content (Capture ) At least one of donor information included in the donation agreement conclusion information, donation agreement information, agreement period information, and agreement conclusion approval information in the image content (eg, image content generated by capturing the document content on a memory). After including by the watermarking (Watermarking) method, the image file containing the image content including the watermarking is processed into a donation agreement conclusion electronic document that concludes the donation agreement for the procurement of public utilities through the liquidation of the donation claims It is preferable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange), or a word processing file including at least one of HWP / DOC, or a web document file including MHT) to sign a donation agreement for public utility funding through the securitization of the donation claims. It is desirable to treat the donation agreement to an electronic document.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. Water at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information into an image content (eg, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file containing at least one DOC, or the like, or an MHT By creating a file such as a Web document) is preferably treated with a subscription agreement signed electronic document signing a subscription agreement for public services financed through fluidization of the contributions bonds.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. A predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) and the donation agreement conclusion information; Public service through the liquidation of the donation claims by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to treat it as a donation agreement electronic document that concludes a donation agreement for financing. .

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. Water at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information into an image content (eg, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file including the watermarking image content and the donation agreement conclusion information. ) Word or Word that contains at least one file, such as HWP / DOC By creating a file processor, or the web document file, and so on) containing the MHT, it is preferably treated with a subscription agreement signed electronic document signing a subscription agreement for public services financed through fluidization of the contributions bonds.

Those skilled in the art to which the present invention pertains include technical features that the server generates a donation agreement conclusion electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation agreement conclusion electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation agreement conclusion electronic document in a predetermined electronic document storage (755).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 660 linked with a server on the donation agreement fastening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated donation commitment fastening electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (660).

Alternatively, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the server corresponds to the generated electronic document archive on the DBMS provided in the donation agreement fastening system. It is possible to store in the electronic document D / B (660), whereby the present invention is not limited.

According to the implementation method of the present invention, storing the donation commitment conclusion electronic document in the former advisory document storage, as shown in FIG. 6 by linking the generated donation commitment conclusion electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (660).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation agreement conclusion electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation agreement conclusion electronic document.

In addition, the electronic document management information may include information related to a predetermined electronic document (for example, donor information transmitted by inputting (selecting) the donation agreement conclusion information, or financial institution information transmitting the donation agreement conclusion electronic document, or an electronic document). File format information, or the donation agreement conclusion information).

If the donation agreement conclusion electronic document is stored in the electronic document storage (760), the server processes the donor information included in the donation agreement conclusion information, donation agreement information, agreement period information and agreement conclusion approval information Stored in a predetermined contract D / B (640) (765), predetermined donation commitment details information (e.g., the details of storing the donation commitment electronic documents in the electronic document storage, or the contract signed D / B (640) generates (or extracts) the details of storing the donation commitment conclusion information and transmits to the terminal (770).

According to an embodiment of the present invention, the contract conclusion D / B 640 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 640 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 640 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided (or linked) on the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

8A, 8B, and 8C are diagrams illustrating a process of registering donation agreement conclusion information through a non-face-to-face financial transaction channel to conclude a donation agreement according to one embodiment of the present invention.

In more detail, FIGS. 8A, 8B, and 8C are examples of the case where the donation agreement execution system shown in FIG. 6 is realized through an Internet banking system among non-face-to-face financial transaction channels (that is, the donation agreement execution shown in FIG. 6). In the case where the donation agreement execution server 105 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet, etc.) and performs a predetermined donor authentication procedure. After performing, when the client terminal transmits a predetermined donation agreement conclusion information for concluding a donation agreement for procurement of public interest fund through the liquidation of donation bonds to the internet banking server, the received donation agreement at the internet banking server. Generate a predetermined donation agreement conclusion electronic document containing the conclusion information to secure a predetermined electronic document. It is stored in the office, the donor information included in the donation agreement conclusion information, the donation agreement information, commitment period information and agreement conclusion approval information to process and store in a predetermined agreement conclusion D / B (640) As those skilled in the art to which the present invention pertains, various examples of registering the donation agreement conclusion information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawings 8a, 8b, and 8c. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 8A, 8B, and 8C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Nets Cape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 8A, 8B and 8C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering donation agreement conclusion information between the client terminal and the Internet banking server based on a browser program is illustrated, those of ordinary skill in the art to which the present invention pertains include Referring to or modifying an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 8A, 8B, and 8C, the client terminal and the Internet banking are based on a predetermined internet banking program mounted on the client terminal. Between servers Although an implementation method of connecting an internet banking-based financial transaction channel for registration of donation agreement conclusion information may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 8a, 8b and 8c, telebanking The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of donation agreement conclusion information, but the present invention may provide a telebanking system or a wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future proposed non-face-to-face banking systems, and the technical configuration of the present invention is illustrated in FIGS. 8A, 8B and 8C. It is by no means limited to Internet banking.

In the following FIGS. 8A, 8B, and 8C, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the donation contract execution server 105 is referred to as a "server" for convenience.

8A and 8B and 8C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (800a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (805a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server, (or extracted) and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (825a), or if the terminal does not need to load or update the Internet banking security module (815a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (830a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the donation commitment conclusion information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one or more encryption methods (or encryption algorithms), the terminal confirms the electronic signature or a predetermined counterpart corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of donation agreement conclusion information in the terminal. Attach or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) using the donor's official certificate mounted in the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking donor authentication procedure through the browser program (835a).

According to an exemplary embodiment of the present invention, the internet banking donor authentication process may be performed by the donor through the terminal through predetermined Internet banking-based donor authentication data (eg, an ID / PW or donor number registered by the donor in the internet banking application process). When the input (or generated) is transmitted to the server, the server comprises authenticating a donor connected through the terminal as an internet banking donor based on the donor authentication data, wherein the donor authentication is performed. The data is preferably transmitted through the digital signature or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the internet banking donor authentication process may be performed by the donor through the terminal through predetermined Internet banking-based donor authentication data (eg, an ID / PW or donor number registered by the donor in the internet banking application process). Etc.) and input (or create) and transmit the data to the authentication server, and the donor connected through the terminal is authenticated as an internet banking donor based on the donor authentication data, and the result is provided to the server. In this case, the donor authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Subsequently, the terminal inputs (or generates) predetermined donor authentication data according to the request, transmits the electronic signature or encryption through the security module to the server (or the authentication server), and requests Internet banking donor authentication (840a). The server (or authentication server) authenticates a donor connected through the terminal as an internet banking donor for non-face-to-face financial transactions based on the donor authentication data received from the terminal (845a).

If the Internet banking donor authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking donor authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined donation agreement conclusion information for signing a donation agreement for procurement of public utility funds through the liquidation of donation bonds from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for signing a donation agreement for procurement of public utility funds through the internet banking-based financial transaction channel through the liquidation of the donation bond (800b), the terminal responds thereto. The server may include a web page including a user interface for inputting (or selecting) donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information, and transmitting the information to the server. And generate (or extract) 805b, and transmit and output a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (810b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) donation agreement conclusion information including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information in the terminal. It is preferable to include, or in order to verify the validity of the Internet banking donor who requests to register the donation agreement conclusion information, a predetermined password or security card information (for example, to the security card issued to the donor during the Internet banking application process Printed security card information) or one time password (eg, one-time password generated by an OTP authenticator (or OTP certification program) provided to a donor by a financial institution during the Internet banking application process (or after an internet banking application)). It further comprises a user interface for inputting Is recommended.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the donation agreement conclusion information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information through the donation agreement conclusion interface (815b).

If the terminal enters (or selects) donation agreement information including donor information, donation agreement information, agreement period information, and agreement conclusion approval information through the user interface (820b), the terminal receives the financial transaction channel. The input (or selection) through the donation commitment conclusion information is transmitted to the server (825b).

According to an embodiment of the present invention, the terminal validates the donation agreement conclusion information in the server to the donation agreement conclusion information including at least one of the donor information, donation agreement information, agreement period information and agreement conclusion approval information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or attach a predetermined electronic signature to the donation agreement conclusion information to the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption method, or a predetermined certificate including at least one encryption key, or the certificate is predetermined. If the IC chip (or IC card) It is equipped with a card reader for identifying the certificate provided in the IC chip (or IC card) is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for donation agreement conclusion information including at least one of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) Card reader to check the accredited certificate on the IC card Is provided is preferable.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation agreement conclusion information, and the technical features of attaching a predetermined electronic signature to the donation agreement conclusion information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the donation agreement conclusion information through the financial transaction channel to confirm the validity of the donation agreement conclusion information (830b).

According to an embodiment of the present invention, the donation commitment conclusion information is at least one encryption method (for example, symmetric key based encryption, or public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted with the at least one decryption method (eg, symmetric key based decryption method, public key based decryption method, or electronic envelope based decryption method) corresponding to the encrypted method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received donation commitment conclusion information.

Alternatively, when a predetermined electronic signature is attached to the donation agreement conclusion information, the server may verify the validity of the received donation agreement conclusion information by checking the electronic signature attached to the donation agreement conclusion information. .

Those skilled in the art to which the present invention pertains include technical features of various decryption methods for decrypting the encrypted donation agreement conclusion information, and technical features for confirming the electronic signature attached to the donation agreement conclusion information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the donation agreement conclusion information received through the information receiving unit 610 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the donation agreement conclusion information, the server is the donation agreement It is preferable to authenticate the validity of the received donation commitment conclusion information by comparing and authenticating the received password included in the conclusion information with the password provided corresponding to the donor on the DBMS.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined security card information for confirming the validity of the donation agreement conclusion information, the server to the donation agreement conclusion information Comparing and authenticating the received security card information and the security card information provided corresponding to the donor on the DBMS, it is preferable to authenticate the validity of the received donation commitment conclusion information.

Alternatively, when the donation agreement conclusion information received through the information receiving unit 610 further includes a predetermined OTP code for confirming the validity of the donation agreement conclusion information, the server is included in the donation agreement conclusion information. It is preferable to authenticate the validity of the received donation commitment conclusion information by comparing and authenticating the received OTP code and the OTP code generated based on predetermined OTP generation information provided corresponding to the donor on the DBMS. .

According to the implementation method of the present invention, the validation of the donation commitment conclusion information is registered at least one or more ledger information matching the donation commitment conclusion information in the ledger D / B on the financial system associated with the donation commitment conclusion system It is preferable to include checking whether there is.

For example, the validity confirming unit 620 may include, among the information included in the donation agreement conclusion information, the donor information (donor personal information, member information, etc.) of the ledger on the financial system associated with the donation agreement conclusion system D / B It is preferably made to include matching with the customer ledger stored in.

In addition, the validation of the donation commitment conclusion information is confirmed on the donor side association server through the donor side association server corresponding to the system provided in the predetermined donor side association belonging to the donor commitment included in the donation commitment conclusion information It is preferable that the D / B includes at least one or more of checking whether at least one member information matching the donation agreement conclusion information is registered.

For example, the validity confirmation unit 620 is the association D on the donor side association server, the donor information (donor personal information, or member information, etc.) of the information contained in the donation commitment conclusion information associated with the donation commitment conclusion system It is preferable to include at least one or more checks to match the member information stored in / B.

If the validity of the donation agreement conclusion information is not authenticated (835b), the server generates a web page including predetermined information registration error information and transmits it to the terminal (840b) and corresponds to the donation agreement conclusion information. Don't follow the donation agreement process.

On the other hand, if the validity of the donation agreement conclusion information is authenticated (835b), the server includes at least one donor information including the donation agreement conclusion information, donation agreement information, agreement period information and agreement conclusion approval information including Generate document content (845b), and generate a predetermined donation agreement conclusion electronic document including the document content (850c).

According to an exemplary embodiment of the present invention, the server generates document contents including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably treated as a donation agreement signing electronic document which concludes a donation agreement for the procurement of public utility funds through the liquidation of the donation claims.

Alternatively, the server generates document content including at least one donor information, donation agreement information, commitment period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and concludes the donation agreement with the document content. Document files including document contents including the watermarking after including at least one of donor information included in the information, donation agreement information, agreement period information, and agreement conclusion approval information in a watermarking manner. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). As a donation agreement electronic document that concludes a donation agreement for public utility funding through It is preferable to process.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. An image file containing an image content (e.g., image content generated by capturing the document content on a memory) is processed as a donation agreement electronic document which concludes a donation agreement for public utility funding through the liquidation of the donation bond. It is desirable to.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. Water at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information into an image content (eg, image content generated by capturing the document content on a memory). After including the watermarking method, the image file including the image content including the watermarking is treated as a donation agreement signing electronic document that concludes a donation agreement for procurement of public utilities through the liquidation of the donation bond. desirable.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (e.g., a portable document format) file) including image content (eg, image content generated by capturing the document content on a memory) that captures the document content. Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), thereby making a donation agreement for the procurement of public utilities through the securitization of the donation claims. It is desirable to treat the donation agreement to conclude the electronic document.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. Water at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information into an image content (eg, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. A word processor file containing at least one DOC, or the like, or an MHT By creating a file such as a Web document) is preferably treated with a subscription agreement signed electronic document signing a subscription agreement for public services financed through fluidization of the contributions bonds.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information. A predetermined document file (eg, Portable Document Format (PDF)) including image content (eg, image content generated by capturing the document content on a memory) and the donation agreement conclusion information; File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like. It is advisable to treat it as a donation agreement electronic document that concludes a donation agreement for procurement. .

Alternatively, the server generates document content including at least one of donor information, donation agreement information, agreement period information, and agreement conclusion approval information included in the received donation agreement conclusion information, and captures the document content. Water at least one or more of the donor information, the donation agreement information, the agreement period information, and the agreement conclusion approval information included in the donation agreement conclusion information into an image content (eg, image content generated by capturing the document content on a memory). Generate image content including a watermarking method, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file including the watermarking image content and the donation agreement conclusion information. ) Word, or Word containing at least one file, such as HWP / DOC By generating a processor file or a web document file including the MHT), it is preferable to process the donation agreement conclusion electronic document that concludes the donation agreement for the public interest fund procurement through the liquidation of the donation bond.

Those skilled in the art to which the present invention pertains include technical features that the server generates a donation agreement conclusion electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation agreement conclusion electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation agreement conclusion electronic document in a predetermined electronic document storage (855c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 115 and an electronic document D / B 660 linked with a server on the donation agreement fastening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated donation commitment fastening electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (660).

Alternatively, when the electronic document storage is provided on the DBMS provided in the donation agreement fastening system, the server corresponds to the generated electronic document archive on the DBMS provided in the donation agreement fastening system. It is possible to store in the electronic document D / B (660), whereby the present invention is not limited.

According to the implementation method of the present invention, storing the donation commitment fastening electronic document in the electronic document storage, the electronic donation commitment fastening electronic document and the predetermined electronic document management information in conjunction with the process shown in Figure 6 It is preferable to include storing in the document D / B (660).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation agreement conclusion electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation agreement conclusion electronic document.

In addition, the electronic document management information may include information related to a predetermined electronic document (for example, donor information transmitted by inputting (selecting) the donation agreement conclusion information, or financial institution information transmitting the donation agreement conclusion electronic document, or an electronic document). File format information, or the donation agreement conclusion information).

If the donation agreement conclusion electronic document is stored in the electronic document repository (860c), the server performs a process of linking the donor information, donation agreement information, agreement period information and agreement conclusion approval information included in the donation agreement conclusion information. Stored in a predetermined contract D / B (640) (865c), a predetermined donation commitment details information (e.g., the history of storing the donation commitment conclusion electronic document in the electronic document storage, or the contract conclusion D / B) In 640, the details of storing the donation contract conclusion information) are generated (or extracted) and transmitted to the terminal (870c).

According to an embodiment of the present invention, the contract conclusion D / B 640 is preferably provided in a DBMS on a financial system provided on the donation contract conclusion system (or associated with the donation contract conclusion system), In this case, the contract conclusion D / B 640 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, the contract conclusion D / B 640 is an Internet banking system, or a telebanking system, or a wireless banking system, or a TV provided (or linked) on the donation contract conclusion system. It is possible to be provided in the DBMS on at least one banking system of the banking system, whereby the present invention is not limited.

9 is a diagram illustrating a donation bond issuing system for issuing a donation bond for public utility fund procurement through the securitization of the donation bond according to another embodiment of the present invention.

More specifically, FIG. 9 shows a donation bond including at least one donor information, a donation agreement information, a contract period information, a contract conclusion approval information, and a bond issue amount information through a predetermined donation bond issuing interface at a predetermined employee terminal. When the issuance information is provided to the financial institution, the financial institution issues a donation bond for public utility fund procurement through the liquidation of the donation bond based on the donation bond issuing information, and wants to purchase the donation bond issued. The present invention relates to a system configuration for selling the donation bond to the purchaser when there is a predetermined purchaser, and storing bond issuance information for managing the issued or purchased donation bond in a predetermined storage medium 950. Those of ordinary skill in the art, By referring to or modifying 9, various implementation methods for the construction of a donation bond issuing system for issuing donation bonds for the purpose of procuring public utility funds through the securitization of donation bonds may be inferred. It 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 or modify the drawing 9 to construct a donation bond issuing system that omits the method of storing the donation bond issuing electronic document in the electronic document storage. It may be inferred, and also in the case where the donation bond issuing electronic document is stored in the electronic document storage, in addition to the implementation method shown in FIG. 9, the electronic document storage is provided in a DBMS located in the donation bond issuing system. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the donation bond issuing electronic document is illustrated and described as being generated on the server side on the donation bond issuing system, but the present invention is not limited thereto. The bond issuing electronic document may be generated on the terminal side which inputs (or selects) the donation bond issuing information and transmits it. Document), by which the present invention is not limited.

Hereinafter, the donation bond issuing information is provided from the employee terminal through a predetermined donation bond issuing interface on the donation bond issuing system shown in FIG. 9 so that the employee issues the donation bond, and the corresponding predetermined bond is issued. A component corresponding to at least one or more means or functional configurations for generating a donation bond issuing electronic document and storing it in a predetermined electronic document repository is referred to as " donation bond issuing server 110 " for convenience.

Referring to this figure 9 according to the method of the present invention, a donation bond issuing system for making a donation bond for the procurement of public utility funds through the securitization of the donation bond is provided at at least one financial institution branch (or branch) And a terminal device including an employee terminal, and the terminal device is connected to a donation bond issuing server 110 provided on the donation bond issuing system through a predetermined financial network.

According to an exemplary embodiment of the present invention, a predetermined employee issues a donor information, a donation agreement information, a contract period information, and an agreement through a predetermined employee terminal to issue a donation bond for public utility fund procurement through the securitization of the donation bond. Enter (or select) donation bond issuance information including at least one of the conclusion approval information and the bond issuance amount information, and in response, the employee terminal transmits donation bond issuance information to the donation bond issuing system through the financial network. It is preferable to transmit to the donation bond issuing server 110 provided.

Here, the employee terminal preferably comprises a financial terminal used by the employee of the branch (or branch) of the financial institution, donation bond issuing server 110 is connected to the employee terminal is provided on the predetermined financial system It is preferable to include a server (eg, ledger server, etc.), the financial network connecting the employee terminal and the donation bond issuing server 110 is a communication channel between the employee terminal and the donation bond issuing server 110 It is preferable that the connection network comprises a connection network.

In the donation bond issuing system as described above, the employee terminal used by the employee and the financial network connecting the employee terminal and the donation bond issuing server 110 provides the employee with the funding of the public interest through the liquidation of the donation bonds. To perform the function of the donation bond issuing interface for registering donation bond issuing information.

The storage medium 950 provided on the donation bond issuing system according to the present invention includes the donor information, the donation agreement information, the agreement period information, the agreement conclusion approval information, and the like included in the donation bond issuing information provided from the terminal device. And bond issue information including at least one of donation bond amount information and bond purchase customer information.

The donor information includes personal information of the donor (e.g., donor's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the donor's member information (e.g., the donor has the financial information). In accordance with the donation member of the institution, in response to the donor, at least member ID information, or CIF (Customer Information File (CIF) number, etc.) included in the customer ledger provided on the financial system associated with the donation agreement conclusion system, etc. It is preferable to include one or more.

The donation agreement information is information on the donation agreement content, the estimated donation amount for the donation agreement, and the purpose of donation (for example, small business development, venture company support, senior welfare, hunger child relief, disability welfare, disaster relief, Construction of homeless accommodations, helping boys and girls, helping disadvantaged neighbors, etc., and donation conditions (e.g., a donor for a home run if the donor is a baseball player, or if the donor is a writer, Conditions for donating money, etc.), and donor side association (for example, if the donor is a baseball player association, if the donor is a writer association, etc.) and the like is preferably made.

The commitment period information is information on the donation payment period, and the expiration date of the donation payment (for example, the donation payment expiration date is the end date of the season when the donor is a baseball player who has contracted a certain amount of money per home run as the donation condition). And the donation payment period (e.g., in the case of a film book in which the donor has committed a certain ratio to the income of the audience as the donation condition, the donation payment period is a movie screening period, etc.). .

The agreement conclusion approval information is information to approve the conclusion of the donation agreement, it is preferable to include at least one or more information that agrees to pay the donation.

Preferably, the donation bond amount information includes at least one piece of information on an amount calculated and analyzed by the employee based on the donor information, the donation agreement information, and the contract period information when the donation bond issuance information is input.

The bond purchase customer information is information on the buyer of the issued donation bond, the personal information of the bond buyer (for example, the name of the buyer, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., member ID information provided in a customer ledger provided on the financial system associated with the donation agreement concluding system in response to the purchaser as the purchaser joins the issuer purchase member of the financial institution; or And CIF (Customer Information File (CIF) number).

According to an embodiment of the present invention, the storage medium 950 is preferably provided in a DBMS on a financial system provided on the donation bond issuing system (or associated with the donation bond issuing system). The storage medium 950 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 950 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the donation bond issuing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The donation bond issuing server 110 provided on the donation bond issuing system according to the present invention is a generic term for the donation bond issuing system side component connected to the terminal apparatus through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

When the terminal device is an employee terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the donation bond issuing server 110 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is an employee terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the donation bond issuing server 110 is connected to the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the donation bond issuing server 110 is located on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the donation bond issuing server 110 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the donation bond issuing server 110 is provided with an interface unit 900 (or interface means) for connecting and managing a predetermined communication channel with the terminal apparatus through the network means. It features.

According to an embodiment of the present invention, when the terminal device is a staff terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 900 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a predetermined communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the employee terminal.

For example, when the employee terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 900 connects a communication channel with the employee terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the employee terminal is provided with a communication program (eg, an internet banking program) provided by the donation bond issuing server 110, the interface unit 900 may be connected to the employee terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 900 may be configured with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is an employee terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 900 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a staff terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the staff terminal.

For example, when the employee terminal is equipped with a browser program corresponding to a WAP (10ireless Application Protocol) or a ME (Mobile Explorer) protocol, the interface unit 900 connects a communication channel with the employee terminal based on the CDMA protocol. A WAP / ME protocol defined in the browser program provides a communication interface for transmitting and receiving a web page (eg, a WML (10-ireless Markup Language) compatible web page or an HTML compatible web page) or information.

Alternatively, when the employee terminal is provided with a communication program (eg, IC chip-based banking program) provided by the donation bond issuing server 110, the interface unit 900 is the employee terminal based on the CDMA protocol And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 900 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 900 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 900 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

9, the donation bond issuing server 110 is connected to the donation bond issuing server 110 through the interface unit 900 when a predetermined terminal device connects a predetermined communication channel. Generate (or extract) at least one user interface for inputting (or selecting) predetermined donation bond issuing information from the terminal device to transmit to the donation bond issuing server 110 for procurement of public utility funds through securitization; An interface providing unit 905 (or interface providing means) for providing the terminal device with the generated (or extracted) user interface in association with the interface unit 900, and the terminal device through the user interface. When the donation bond issuance information is input (or selected) and transmitted, the donation bond issuance information is transmitted to the terminal device in association with the interface unit 900. The transmission of the donation emitter bond issue information it receives is characterized by comprising an information receiving unit 910 (or an information receiving means).

The interface providing unit 905 connects the donation bond issuing server 110 and a predetermined communication channel through the interface unit 900, and then the donation bond to the donation bond issuing server 110. When requesting a user interface for public utility fund procurement through securitization, the terminal apparatus inputs (or selects) predetermined donation bond issuing information and transmits it to the donation bond issuing server 110 through the network means. Generating at least one user interface or extracting from a predetermined database (not shown), and providing the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 900; It is characterized by.

According to an embodiment of the present invention, if the terminal device is a staff terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 905 is provided as a browser program or a communication program provided in the staff terminal. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the user terminal with the generated (or extracted) user interface through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automatic device connected to a predetermined financial network, the interface providing unit 905 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 900.

According to another embodiment of the present invention, if the terminal device is a staff terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 905 is a browser program or a communication program provided in the staff terminal It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the user interface generated (or extracted) to the employee terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 905 may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 900. Do.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 905 is provided to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 900.

According to another exemplary embodiment of the present invention, the terminal apparatus includes at least one user interface for inputting (or selecting) predetermined donation bond issuing information to the donation bond issuing server 110 through the network means. When a predetermined information registration program is provided, the terminal apparatus is generated (or extracted) a user interface for inputting (or selecting) predetermined donation bond issuing information and transmitting it to the donation bond issuing server 110 as described above. The interface providing unit 905 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus inputs (or selects) donation bond issuing information including at least one of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issue amount information through the user interface, The input (or selected) donation bond issuing information is transmitted to the donation bond issuing server 110 through the network means, and correspondingly, the information receiving unit 910 is connected to the interface unit 900 in response to the terminal. And receive the donation bond issuing information transmitted from the device.

The donor information includes the donor's personal information (eg, donor's name, social security number, address, phone number, mobile phone number, e-mail address, etc.) and the donor's member information (eg, the donor has the financial information). In accordance with the donation member of the institution, in response to the donor, at least member ID information, or CIF (Customer Information File (CIF) number, etc.) included in the customer ledger provided on the financial system associated with the donation agreement conclusion system, etc. It is preferable to include one or more.

The donation agreement information is information on the donation agreement content, the estimated donation amount for the donation agreement, and the purpose of donation (for example, small business development, venture company support, senior welfare, hunger child relief, disability welfare, disaster relief, Construction of homeless accommodations, helping boys and girls, helping disadvantaged neighbors, etc., and donation conditions (e.g., a donor for a home run if the donor is a baseball player, or if the donor is a writer, Conditions for donating money, etc.), and donor side association (for example, if the donor is a baseball player association, if the donor is a writer association, etc.) and the like is preferably made.

The commitment period information is information on the donation payment period, and the expiration date of the donation payment (for example, the donation payment expiration date is the end date of the season when the donor is a baseball player who has contracted a certain amount of money per home run as the donation condition). And at least one or more of the donation payment period (eg, the film donation period in which the donor commits a certain ratio to the audience's income as the donation condition, and the donation payment period is a movie screening period).

The agreement conclusion approval information is information to approve the conclusion of the donation agreement, it is preferable to include at least one or more information that agrees to pay the donation.

Preferably, the donation bond amount information includes at least one piece of information on an amount calculated and analyzed by the employee based on the donor information, the donation agreement information, and the contract period information when the donation bond issuance information is input.

According to an embodiment of the present invention, the terminal apparatus may include the donor bond issuing server in the donation bond issuing information including at least one of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issue amount information. The network means further comprises at least one or more, such as a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the donation bond issuing information at 110). It is preferable to transmit to the donation bond issuing server 110 through.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method for donation bond issuing information including at least one or more of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issue amount information. For example, the network may be encrypted using a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or by attaching a predetermined electronic signature to the donation bond issuing information. It is preferable to transmit to the donation bond issuing server 110 through a means, and for this purpose, the terminal apparatus has at least one encryption key corresponding to the encryption scheme, or includes a predetermined at least one encryption key. Have an accredited certificate or It is an instrument having a case, the card to verify the certificate provided in the IC chip (or IC card) reader provided in a predetermined IC chip (or IC card) is preferred.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation bond issuing information and the technical features of attaching a predetermined electronic signature to the donation bond issuing information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, if the donation bond issuing server 110 receives the donation bond issuing information transmitted from the terminal device through the information receiving unit 910, the received donation bond issuing information is stored in the donation bond. Characterized in that it comprises a validity confirmation unit 915 (or validity verification means) for confirming whether to satisfy the validity for issuing donation bonds for the public utility financing through securitization.

According to an embodiment of the present invention, the donation bond issuance information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted, the validator 915 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted donation bond issuing information corresponding to the encryption method; Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received donation bond issuing information.

Alternatively, when a predetermined electronic signature is attached to the donation bond issuing information, the validity verification unit 915 confirms the validity of the received donation bond issuing information by checking the electronic signature attached to the donation bond issuing information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted donation bond issuing information, and technical features for confirming an electronic signature attached to the donation bond issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the validation of the donation bond issuing information is at least one ledger information matching the donation bond issuing information is registered in the ledger D / B on the financial system associated with the donation bond issuing system is registered; It is preferable to include checking whether there is.

For example, the validation of the donation bond issuance information may be performed by checking the donor information (donor personal information or member information, etc.) among the information included in the donation bond issuing information. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the validity confirmation of the donation bond issuing information is the donor information included in the commitment conclusion D / B 945 provided in the donation agreement conclusion system shown in Figures 2 and 6 and donation agreement information and commitment period information and It is preferable that the agreement conclusion approval information is made to check whether the donor information included in the donation bond issuance information and donation agreement information, agreement period information and agreement conclusion approval information match each other.

Referring to FIG. 9, when the donation bond issuing server 110 authenticates the validity of the donation bond issuing information through the validity verification unit 915, a predetermined donation bond including the received donation bond issuing information. An electronic document generation unit 920 (or an electronic document generation means) for generating an issued electronic document, and an electronic document transmission unit for transmitting the generated donation bond issuing electronic document to an electronic document repository associated with the donation bond issuing system ( 925 (or an electronic document transmission means).

The electronic document generating unit 920 generates a donation bond issuing electronic document including the donation bond issuing information received from the terminal device through the information receiving unit 910.

According to an exemplary embodiment of the present invention, the electronic document generation unit 920 may include donor information, donation agreement information, commitment period information, and contract conclusion approval information included in donation bond issuance information received through the information receiver 910. And document content including at least one bond issuance amount information, and includes a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. A word processor file including at least one or a web document file including an MHT), etc.) is preferably processed as a donation bond issuing electronic document for public utility fund procurement through the securitization of the donation bond.

Alternatively, the electronic document generation unit 920 may include at least donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issue amount information included in the donation bond issuance information received through the information receiving unit 910. Generating document content including one or more, and watermarking at least one or more of the donor information, the donation agreement information, the contract period information, the agreement conclusion approval information, and the bond issue amount information included in the donation bond issuing information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. A word processor file, or a web document file containing an MHT). It is treated as a donation bond issue electronic documents for public projects financed are preferred.

Alternatively, the electronic document generation unit 920 may include at least donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issue amount information included in the donation bond issuance information received through the information receiving unit 910. Creating an image content including one or more, and an image file containing the image content (eg, the image content generated by capturing the document content on the memory) by capturing the document content through the fluidization of the donation claims It is preferable to treat it as an electronic document for issuing donation bonds for public utility financing.

Alternatively, the electronic document generation unit 920 may include at least donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issue amount information included in the donation bond issuance information received through the information receiving unit 910. Donor information and donations included in the donation bond issuance information are generated in the image content (eg, image content generated by capturing the document content on a memory) that generates one or more document contents, and captures the document contents. After including at least one of contract information, contract term information, contract approval information, and bond issuance information in a watermarking manner, an image file including the image content including the watermark is included in the donation claims. Donation bond issuance electronic document for public utility financing through securitization It is preferable to process.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 approves the donor information, the donation agreement information, the contract period information, and the contract conclusion included in the donation bond issuance information received through the information receiver 910. A predetermined content including document content including at least one information and bond issuance information, and image content (eg, image content generated by capturing the document content on a memory); By generating a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) In this regard, it is recommended that the donation bond is issued as an electronic document for donation of public utility funds through the securitization of the donation bond. It is.

Alternatively, the electronic document generation unit 920 may include at least donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issue amount information included in the donation bond issuance information received through the information receiving unit 910. Donor information and donations included in the donation bond issuance information are generated in the image content (eg, image content generated by capturing the document content on a memory) that generates one or more document contents, and captures the document contents. A document file that generates image content including at least one or more of contract information, contract period information, contract approval information, and bond issuance information by watermarking, and includes the image content including the watermarking. For example, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file. , Or a word processor file including at least one HWP / DOC, or a web document file including an MHT), and the like, and process it as an electronic document for issuing donation bonds for procurement of public utility funds through the liquidation of the donation bonds. It is desirable to.

According to another exemplary embodiment of the present invention, the electronic document generation unit 920 concludes an agreement with donor information, donation agreement information, agreement period information included in donation bond issuance information received through the information receiving unit 910. Generating document content including at least one of approval information and bond issuance information, and image content (eg, image content generated by capturing the document content on a memory) and the donation bond; A predetermined document file including publication information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web including an MHT. By issuing donation bonds for public utility financing through the securitization of the donation bonds Advice is preferred to process each other.

Alternatively, the electronic document generation unit 920 may include at least donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issue amount information included in the donation bond issuance information received through the information receiving unit 910. Donor information and donations included in the donation bond issuance information are generated in the image content (eg, image content generated by capturing the document content on a memory) that generates one or more document contents, and captures the document contents. Generating image content including at least one or more of contract information, contract term information, contract approval information, and bond issuance information by watermarking, and issuing the image content and the donation bond including the watermarking; A document file containing information (e.g., a Portable Document Format (PDF) file, or (EDI), a word processor file including at least one or more HWP / DOC, or a web document file including the MHT) to generate public utility funds through the securitization of the donation claims It is advisable to treat donation bonds as electronic documents.

Those skilled in the art to which the present invention pertains include the technical features of the electronic document generating unit 920 for generating a donation bond issuing electronic document in an image file format or a predetermined document file format, and issuing the donation bond. Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 925 transmits and stores the donation bond issuing electronic document generated by the electronic document generating unit 920 to a predetermined electronic document repository associated with the donation bond issuing system. .

As shown in FIG. 9, the electronic document repository is connected with the donation bond issuing server 110 on the donation bond issuing system 110 through a predetermined communication means and a predetermined electronic document server 115 and the electronic document D / B ( 120, the electronic document transmission unit 925 transmits the donation bond issuance electronic document generated by the electronic document generation unit 920 through the communication means to the electronic document server 115. It is characterized in that for transmitting.

Here, when the electronic document server 115 and the electronic document D / B (120) is provided outside the donation bond issuing system, the electronic document server 115 and the electronic document D / B (120) It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the donation bond issuing system, the electronic document transmitting unit 925 is generated by the electronic document generating unit 920. It is possible to store the donation bond issuing electronic document in the electronic document D / B 120 corresponding to the electronic document storage on the DBMS provided in the donation bond issuing system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 925 inputs electronic document related information (eg, the donation bond issuing information) for generating predetermined electronic document management information in the electronic document server 115. (Optional) transmitting the information to the electronic document repository further including donor information transmitted, or financial institution information transmitting the donation bond issuing electronic document, or electronic document file format information, or the donation bond issuing information, and the like. It is possible, and the invention is not limited thereby.

Referring to FIG. 9, the donation bond issuing server 110 procures the public interest fund through the donation bond issuance information received through the information receiving unit 910 through the liquidation of the donation bonds through the validity checking unit 915. When the validity of the issuance of the donation bond for the authentication is authenticated, the donation bond based on the donor information, the donation agreement information, the contract period information, the contract execution approval information, and the bond issue amount information included in the validated donation bond issuing information. An information generating unit 930 (or information generating means) for generating information, and a donation bond issuing unit 935 (or donation bond issuing means) for issuing a donation bond in the name of the donor including the donation bond information. Characterized in that made.

Here, the donation bond information preferably comprises at least one bond number and a bond expiration date corresponding to the donation bond issued based on the donation bond issuing information.

The donation bond issuing unit 935 is connected to the financial system, based on the donation bond issuing information is characterized in that for issuing a predetermined donation bond for the procurement of public utilities through the liquidation of the donation bonds.

According to one embodiment of the present invention, the donation bond is preferably made to include the bond issuing amount information included in the donation bond issuance information as a face value.

According to another exemplary embodiment of the present invention, the donation bond may be issued to include bond issue amount information included in the donation bond issuing information at a face value of at least two divided amounts, whereby the present invention It is not limited.

Those skilled in the art to which the present invention pertains, since the donation bond issuer 935 will be familiar with the technical features of the process of issuing a given donation bond, a detailed description thereof will be omitted for convenience. do.

When the donation bond issuing server 110 and the financial system exist in the same system according to an embodiment of the present invention, the donation bond issuing unit 935 is connected to the financial system in the ledger D / B in the donation It is desirable to create a predetermined ledger containing the bond information.

According to another exemplary embodiment of the present invention, when the donation bond issuing server 110 and the financial system exist on another system connected through a predetermined communication means, the donation bond issuing unit 935 is provided with a predetermined communication means. Through the external system on the financial system through it is preferable to request the ledger D / B on the other financial system to create a predetermined account ledger containing the donation bond information.

Referring to FIG. 9, the donation bond issuing server 110 procures the public interest fund through the donation bond issuance information received through the information receiving unit 910 through the liquidation of the donation bonds through the validity checking unit 915. When the validity for the authentication is authenticated, the donor information, the donation commitment information, the commitment period information, the agreement conclusion approval information, the donation bond amount information and the bond purchase customer information included in the donation bond issuance information is validated and included And an information storage unit 940 (or information storage means) for storing the bond issuance information in a predetermined storage medium 950.

When the validity confirmation unit 915 confirms the validity of the donation bond issuing information, the information storage unit 940 is the donor information, donation commitment information, commitment period information and commitment included in the donation bond issuing information And storing bond issuance information including at least one of approval approval information, donation bond amount information, and bond purchase customer information in the storage medium 950.

According to an embodiment of the present invention, when the storage medium 950 is provided in the donation bond issuing server 110 or on the network associated with the donation bond issuing server 110, the information storage unit ( 940 may include bond issuance information including at least one of the donor information, the donation agreement information, the contract period information, the contract execution approval information, the donation bond amount information, and the bond purchase customer information included in the received donation bond issuing information. It is preferable to store in the storage medium 950.

According to another exemplary embodiment of the present invention, when the storage medium 950 is provided in a DBMS provided on a financial system, the information storage unit 940 may include the donor information included in the received donation bond issuing information. The bond issuance information including at least one of donation agreement information, agreement period information, agreement approval approval information, donation bond amount information, and bond purchase customer information is provided to the information system through the external system in the financial system and is provided on the financial system. It is desirable to store in a DBMS.

Referring to FIG. 9, an electronic device that receives a donation bond issuing electronic document from the donation bond issuing server 110 provided on the donation bond issuing system and stores and manages it in a predetermined electronic document D / B 120. The document server 115 may include an electronic document receiver 955 (or an electronic document receiving means) for receiving a predetermined donation bond issuing electronic document from the donation bond issuing server 110 through a predetermined communication means, and the received document. An information generation unit 960 (or information generating means) for generating predetermined electronic document management information for storing and managing a donation bond issuing electronic document in the electronic document D / B 120; and the electronic document management information; And an electronic document storage unit 965 (or electronic document storage means) for linking and processing the donation bond issuing electronic document and storing it in a predetermined electronic document D / B 120. .

The electronic document receiving unit 955 may receive a donation bond issuing electronic document in the form of an image file or a document file from the donation bond issuing server 110 through the communication means.

According to the exemplary embodiment of the present invention, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is based on the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Document files (e.g., Portable Document Format (PDF) files, or EDI (Electronic) containing document content including at least one of included donor information, donation agreement information, agreement term information, agreement conclusion approval information, and bond issuance information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is a donor information and donation agreement included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Document content that includes at least one of information, contract term information, contract approval information, and bond issuance information, the donor information included in the donation bond issuance information, the donation contract information, contract term information, contract conclusion information, and bond issuance information. After including at least one or more information of the amount information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) file) Or a word processor file including at least one HWP / DOC, or MHT. Be made, including also the web document file) is preferred.

Alternatively, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is a donor information and donation agreement included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content captured (e.g., image content generated by capturing the document content on a memory) including document content including at least one of information, contract term information, contract approval information, and bond issuance information. It is preferable to include an image file.

Alternatively, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is a donor information and donation agreement included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. The donation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information, contract term information, contract approval information, and bond issuance information. Image contents including the watermarking after including at least one information of the donor information, the donation commitment information, the commitment period information, the agreement conclusion approval information and the bond issuance information included in the bond issuance information, the watermarking method; It is desirable to include an image file containing It is.

According to another exemplary embodiment of the present invention, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content (e.g., capturing the document content on the memory by capturing document content including at least one of donor information, donation agreement information, agreement term information, agreement conclusion approval information, and bond issuance information included in the A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document file, etc.).

Alternatively, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is a donor information and donation agreement included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. The donation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information, contract term information, contract approval information, and bond issuance information. Generating image contents including at least one of donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issuance information included in the bond issuing information by a watermarking method; Document file containing the content of the embedded image (eg, PDF (P ortable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, a donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means issuing a donation bond received by the donation bond issuing server 110 from the terminal device. Image content capturing document content including at least one of donor information included in the information, donation agreement information, agreement term information, agreement approval information, and bond issuance information (eg, the document content on a memory). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the captured image content) and the donation bond issuing information. Word processing file, or a web document file including MHT). All.

Alternatively, the donation bond issuing electronic document received by the electronic document receiving unit 955 through the communication means is a donor information and donation agreement included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. The donation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information, contract term information, contract approval information, and bond issuance information. Generating image contents including at least one of donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issuance information included in the bond issuing information by a watermarking method; The image content and the donation bond issuance information A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

The information generating unit 960 is a predetermined electronic document unique number (or unique information) to be assigned to the donation bond issuing electronic document received through the electronic document receiving unit 955, and through the electronic document receiving unit 955 And generating electronic document management information including electronic document storage date and time information including a date and time at which a donation bond issuing electronic document was received (or a date and time at which the donation bond issuing electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 960 refers to the donation bond issuing server 110 that has transmitted the donation bond issuing electronic document received through the electronic document receiving unit 955 and the donation bond. It is preferable to identify the financial institution that has sent the issued electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the donation bond issuing server 110 through the electronic document receiving unit 955, the information generating unit 960 receives the received information. Electronic document related information (e.g., donor information transmitted by inputting (selecting) the donation bond issuing information, or financial institution information transmitting the donation bond issuing electronic document, electronic document file format information, or issuing the donation bond); It is preferable to generate the electronic document management information further including information).

The electronic document storage unit 965 associates a donation bond issuing electronic document received through the electronic document receiving unit 955 with electronic document management information generated through the information generating unit 960 to process a predetermined electronic document D. / B 120, characterized in that the storage.

According to an exemplary embodiment of the present invention, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is received by the donation bond issuing server 110 from the terminal device. Document files (e.g., Portable Document Format (PDF) including document contents including at least one of donor information, donation agreement information, contract term information, contract conclusion information, and bond issuance information included in a donation bond issuance information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

Alternatively, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. The donor information included in the donation bond issuing information, the donation agreement information, the term of the agreement, and the agreement, in document content including at least one donor information, donation agreement information, agreement term information, agreement conclusion information, and bond issuance information. After including at least one or more information of the execution approval information and bond issuance information in a watermarking method, a document file (eg, a PDF (Portable Document Format) file, or EDI) containing document content including the watermarking (Electronic Data Interchange) file, or a word processor file including at least one of HWP / DOC, etc., or MHT It comprises a web page file, and so on), including preferred.

Alternatively, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one donor information, donation agreement information, agreement term information, agreement conclusion approval information, and bond issuance information It is preferable to include an image file (including image content).

Alternatively, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one donor information, donation agreement information, agreement term information, agreement conclusion approval information, and bond issuance information Image content) including at least one of donor information included in the donation bond issuing information, donation agreement information, contract period information, contract conclusion approval information, and bond issuance information in a watermarking manner; Including an image file containing image content with markings. Preferable.

According to another exemplary embodiment of the present invention, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is the donation bond issuing server 110 from the terminal device. Image content capturing document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information (eg, the document). Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content (e.g., generated by capturing the document content on a memory), which captures document content including at least one donor information, donation agreement information, contract term information, contract conclusion information, and bond issuance information Image content including at least one of donor information included in the donation bond issuing information, donation agreement information, contract period information, contract conclusion approval information, and bond issuance information in a watermarking method. A document file containing the image content including the watermarking (eg, PD); A portable document format (F) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is the donation bond issuing server 110 by the terminal device. Image content capturing document content including at least one of donor information included in donation bond issuance information received from the donation bond information, donation agreement information, contract term information, contract conclusion approval information, and bond issue amount information (eg, the Image contents generated by capturing document contents on a memory, and predetermined document files (for example, Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc.) including the donation bond issuing information. A word processor file including at least one or a web document file including an MHT). The.

Alternatively, the donation bond issuing electronic document stored in the electronic document D / B 120 by the electronic document storage unit 965 is included in the donation bond issuing information received by the donation bond issuing server 110 from the terminal device. Image content (e.g., generated by capturing the document content on a memory) that captures document content including at least one donor information, donation agreement information, agreement term information, agreement conclusion approval information, and bond issuance information Image content) including donor information included in the donation bond issuing information, donation agreement information, contract period information, contract conclusion approval information, and bond issuance information in a watermarking manner. And generating image content including the watermarking and the donation bond issuing information. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to comprise.

According to the method of the present invention, the electronic document management information stored in the electronic document D / B 120 by the electronic document storage unit 965 in association with the donation bond issuing electronic document is the donation bond issuing electron. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 120 in association with the donation bond issuing electronic document and stored in the electronic document D / B 120 is issued by the donation bond. The donation bond issuing server 110 which has transmitted the electronic document is preferably made to further include the financial institution information transmitting the donation bond issuing electronic document confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the donation bond issuing server 110, the electronic document storage unit 965 processes the link with the donation bond issuing electronic document. The electronic document management information stored in the electronic document D / B 120 may include donor information transmitted by inputting (selecting) the donation bond issuing information (for example, the donation bond issuing information) or the donation bond issuing electronic. Financial institution information for transmitting a document, electronic document file format information, or donation bond issuing information, etc.).

According to the present invention, the donation bond is characterized in that it is sold and liquidated to at least one or more bond purchase customers through a predetermined donation bond transaction server (or donation bond liquidation means).

10A and 10B are diagrams illustrating a process of issuing donation bonds for public utility fund procurement through the liquidation of donation bonds in a non-face-to-face manner according to one embodiment of the present invention.

10A and 10B illustrate a financial system in which a terminal device on a donation bond issuing system shown in FIG. 9 is an employee terminal, and the donation bond issuing server 110 is associated with an employee terminal through a predetermined network means. In the case of having the above ledger server (not shown) function, a predetermined employee issues donor information and donation agreement information and agreement through the employee terminal to issue a donation bond for public utility fund procurement through the liquidation of donation bonds. When providing donation bond issuance information including at least one of period information, agreement conclusion approval information, and bond issuance information, the donor information, donation agreement information, contract duration information, agreement conclusion approval information, and bond are provided by the donation bond issuing system. Donation bond issuance information that includes at least one On the contrary, the present invention relates to a method for issuing and processing the donation bond for public utility fund procurement through the securitization of the donation bond, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIGS. 10A and 10B. Although various implementation methods for registering the donation bond issuance information with the donation bond issuing server 110 in the employee terminal by reference or modification may be inferred, the present invention includes all the execution methods inferred from this figure. It is not limited to the implementation method shown in 10a and FIG. 10b.

For example, although the implementation method shown in FIGS. 10A and 10B includes a process of generating a predetermined electronic document corresponding to the donation bond issuing information and storing the electronic document in an electronic document repository, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, the implementation method shown in FIGS. 10A and 10B is provided through a predetermined web page provided by the donation bond issuing server 110 to provide a user interface for the employee terminal to input (or select) the donation bond issuing information. Although illustrated as being provided, when the employee terminal is provided with a predetermined information registration program, the user interface may not be provided from the donation bond issuing server 110, and the present invention is not limited thereto.

In the following Figures 10a and 10b, the employee terminal shown in Figure 9 is referred to as "terminal" for convenience, and the donation bond issuing server 110 shown in Figure 9 is referred to as "server" for convenience and said employee terminal In the donor bond issuing server 110, the donor information, donation agreement information, commitment period information, agreement conclusion approval information and bond issuance information is referred to as "donation bond issuing information" for convenience.

10A and 10B, when the employee terminal illustrated in FIG. 9 is a predetermined network means (eg, when the employee terminal is a wired terminal, a TCP / IP based wired communication network, and the employee terminal is a wireless terminal) Through a CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.16x-based portable Internet, or an IEEE 802.11x-based wireless LAN, to connect to a predetermined communication channel, and through the liquidation of the donation bonds. When requesting a web page including a user interface for public utility funding (1000), the server correspondingly includes at least one of the donor information, the donation agreement information, the agreement period information, the agreement conclusion approval information, and the bond issue amount information. A web page including a user interface for inputting (or selecting) donation bond issuance information including the above information and transmitting the same to the server; It generates (or extracts) 1005 and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the network means (1010).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the donation bond issuance information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) donation bond issuance information including at least one or more donor information, donation agreement information, agreement period information, agreement conclusion approval information, and bond issuance information through a user interface included in the web page. (1015).

If the terminal inputs (or selects) donation information including donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issue amount information through the user interface (1020), the terminal In operation 1025, the donor information, the donation agreement information, the agreement period information, the agreement conclusion approval information, and the bond issue amount information inputted through the communication channel are transmitted to the server.

According to an embodiment of the present invention, the terminal issues the donation bond at the server to the donation bond issuing information including at least one of the donor information, the donation agreement information, the contract period information, the contract conclusion approval information, and the bond issuance information. Transmitting at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator to confirm the validity of the information to the server through the network means. desirable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, donation bond issuing information including at least one or more of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issuance information). , A symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or the like, or attach a predetermined electronic signature to the donation bond issuing information. It is preferable to transmit to the server through means, for which the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or The authorized certificate is a predetermined IC chip (or IC car) E), if provided in the card, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, donation bond issuing information including at least one or more of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issuance information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, check the official certificate provided in the IC chip (or IC card). It is preferably provided with a card reader for.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation bond issuing information and the technical features of attaching a predetermined electronic signature to the donation bond issuing information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issue amount information through the communication channel to confirm the validity of the donation bond issue information (1030). .

According to an embodiment of the present invention, the donation bond issuance information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted with the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange-based decryption scheme) to authenticate validity of the received donation bond issuing information.

Alternatively, when a predetermined electronic signature is attached to the donation bond issuing information, the server may verify the validity of the received donation bond issuing information by checking the electronic signature attached to the donation bond issuing information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted donation bond issuing information, and technical features for confirming an electronic signature attached to the donation bond issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the validation of the donation bond issuing information is at least one ledger information matching the donation bond issuing information is registered in the ledger D / B on the financial system associated with the donation bond issuing system is registered; It is preferable to include checking whether there is.

For example, the validation of the donation bond issuance information may be performed by checking the donor information (donor personal information or member information, etc.) among the information included in the donation bond issuing information. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the confirmation of the validity of the donation bond issuance information is the donor information included in the commitment agreement D / B 945 provided in the donation agreement conclusion system shown in Figures 2 and 6 It is preferable that the agreement conclusion approval information is made to check whether the donor information included in the donation bond issuance information and donation agreement information, agreement period information and agreement conclusion approval information match each other.

If the validity of the donation bond issuance information is not authenticated (1035), the server generates a web page including a predetermined donation bond error information and transmits it to the terminal (1040), and performs the donation bond issuing procedure. I never do that.

On the other hand, if the validity of the donation bond issuance information is authenticated (1035), the server at least one or more donor information, the donation commitment information, commitment period information, agreement conclusion approval information and bond issuance amount information including the donation bond issuance information Generates predetermined document content including 1045 and generates a predetermined donation bond issuing electronic document including the document content (1050).

According to an exemplary embodiment of the present invention, the server may include at least one document information including donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issue amount information included in the received donation bond issuing information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document files, etc.) is preferably processed as a donation bond issuing electronic document for public utility fund procurement through the securitization of the donation bonds.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The watermarking method may include at least one of donor information included in the donation bond issuance information, donation agreement information, contract period information, agreement conclusion approval information, and bond issue amount information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the document content, or a web document including the MHT. Donations for public utility funding through the securitization of donation bonds; Volume is preferably treated with issuing the electronic document.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. Processing an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a donation bond issuing electronic document for procurement of public utility fund through the liquidation of the donation bond. It is desirable to.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). After issuing at least one or more of the amount of information issued by the watermarking (Watermarking) method, issuing a donation bond for procurement of public utility funds through the liquidation of the donation bonds an image file containing the image content including the watermarking electronic It is preferable to process the document.

According to another exemplary embodiment of the present invention, the server may include at least one document including donor information, donation agreement information, contract period information, contract execution approval information, and bond issue amount information included in the received donation bond issuing information. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is advisable to treat donation bonds as electronic documents.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). Generate image content including at least one or more of the issued amount information in a watermarking manner, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) including the image content including the watermarking. (Electronic Data Interchange) files, or at least one or more HWP / DOC By creating a file such as a Web document) comprising a word processing file, or MHT that is preferably treated with a subscription bond issue the electronic document for public services financed through fluidization of the contributions bonds.

According to another exemplary embodiment of the present invention, the server includes at least one of donor information, donation agreement information, contract period information, contract conclusion approval information, and bond issue amount information included in the received donation bond issuing information. A predetermined document file (eg, PDF) including document content generated, image content (eg, image content generated by capturing the document content on a memory) and the donation bond issuance information, which is captured by the document content. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or a web document file including the MHT, etc.) It is advisable to treat the donation bonds as electronic documents for financing public utility funds.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). A document file (for example, a PDF (Portable Document) generating image content including at least one or more of the issued amount information in a watermarking manner) and including the watermarking image content and the donation bond issuing information. Format file, or Electronic Data Interchange (EDI) file, or HW Generating a word processor file including at least one of P / DOC, or a web document file including an MHT), and processing the donation bond as an electronic document for issuing donation bonds for public utility funding through the liquidation of the donation bonds. It is preferable.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a donation bond issuing electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation bond issuing electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation bond issuing electronic document in a predetermined electronic document storage (1055).

As shown in FIG. 9, the electronic document repository includes an electronic document D / B 120 and a predetermined electronic document server 115 associated with a server on the donation bond issuing system through predetermined communication means. When provided with, the server preferably transmits the generated donation bond issuing electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (120).

Or, when the electronic document storage is provided on a DBMS provided in the donation bond issuing system, the server corresponds to the electronic document storage on the DBMS provided in the donation bond issuing system. It is possible to store in the electronic document D / B (120), whereby the present invention is not limited.

According to the method of the present invention, storing the donation bond issuing electronic document in the electronic document storage, the electronic donation bond issuing electronic document and the predetermined electronic document management information in conjunction with the process shown in Figure 9 It is preferable to include storing in the document D / B (120).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation bond issuing electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation bond issuance electronic document.

In addition, the electronic document management information may include information related to a predetermined electronic document (for example, donor information transmitted by inputting (selecting) the donation bond issuing information, or financial institution information transmitting the donation bond issuing electronic document, or an electronic document). File format information, or the donation bond issuing information).

If the donation bond issuing electronic document is stored in the electronic document storage (1060), the server is the donor information, the donation commitment information, the commitment period information, the agreement conclusion approval information and the bond issuing amount information included in the donation bond issuing information The donation bond information is generated based on 1010.

Here, the donation bond information preferably comprises a bond number and an interest rate information corresponding to the donation bond issued based on the donation bond issuing information, if the donation bond includes a savings attribute, a predetermined subscription It is preferable to further include the period, payment date and time and payment amount information.

Subsequently, the server includes the donation bond information based on the donor information, the donation agreement information, the contract period information, the contract conclusion approval information, and the bond issue amount information included in the donation bond issuing information in association with the financial system. The donor bond in the donor's name is issued and processed (1070).

According to an embodiment of the present invention, the server generates a customer ledger including donor information included in donation bond issuance information in association with the financial system (or checks a customer ledger that is matched with the donor information and is provided. ), By generating predetermined account ledger information including the donation bond information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the donation bond issuing information. It is characterized by issuing a predetermined donation bond for financing public utilities through securitization.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the donation bond information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the donation bond information.

When a given donor bond transaction server sells the issued bond to a predetermined bond purchaser, the server provides the donor information, the donation agreement information, the contract period information, the agreement conclusion approval information, and the donation included in the donation bond issuing information. The bond amount information and the predetermined bond purchase customer information corresponding to the bond sale are stored in the predetermined storage medium 950 in operation 1075.

According to an exemplary embodiment of the present invention, when the storage medium 950 is provided in the server or on a network associated with the server, the server may include the donor information included in the received donation bond issuing information. Preferably, the storage medium 950 stores bond issuance information including at least one of donation agreement information, agreement period information, agreement conclusion approval information, donation bond amount information, and bond purchase customer information.

According to another exemplary embodiment of the present invention, when the storage medium 950 is provided in a DBMS provided on a financial system, the server may include the donor information and the donation agreement information and the agreement included in the received donation bond issuing information. Providing bond issuance information including at least one of period information, contract approval approval information, donation bond amount information, and bond purchase customer information to the information system through the external system of the financial system and storing it in a DBMS provided on the financial system. desirable.

Thereafter, the server issues predetermined donation bond issuance information (for example, the donation bond issuing history, or a history of storing the donation bond issuing electronic document in the electronic document storage, or issuing the donation bond in the storage medium 950). The information storing the information) is generated (or extracted) and transmitted to the terminal (1080).

According to an embodiment of the present invention, the storage medium 950 is preferably provided in a DBMS on a financial system provided on the donation bond issuing system (or associated with the donation bond issuing system). The storage medium 950 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 950 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the donation bond issuing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

11A, 11B, and 11C are diagrams illustrating a process of issuing donation bonds for public utility fund procurement through securitization of donation bonds according to one embodiment of the present invention.

11a, 11b, and 11c, the donation bond issuance system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the donation bond issuance shown in FIG. 9). In the case where the donation bond issuing server 110 on the system is an Internet banking server, the employee terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet, etc.) and performs a predetermined customer authentication procedure. After performing, the employee terminal transmits predetermined donation bond issuance information to the internet banking server to issue a donation bond for public utility fund procurement through the liquidation of the donation bond, and the donor information in the internet banking server. And at least one of the donation agreement information, the agreement period information, the agreement conclusion approval information, and the bond issue amount information. The present invention relates to a method of issuing and processing the donation bond for public utility fund procurement through the liquidation of the donation bond based on the donation bond issuing information included in the present invention. Although various implementation methods of registering the donation bond issuance information through other types of non-face-to-face financial transaction channels may be inferred by referring to or modifying the figures 11a, 11b, and 11c, the present invention provides all the inferred implementations. A method is included, and the present invention is not limited to the embodiment shown in FIGS. 11A, 11B, and 11C.

That is, when the user accesses the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the employee terminal in FIGS. 11A, 11B, and 11C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering donation bond issuance information between the employee terminal and the Internet banking server based on the program is illustrated, the person having ordinary knowledge in the technical field to which the present invention belongs, The employee terminal and the Internet banking server based on a predetermined internet banking program mounted on the employee terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 11A, 11B, and 11C. Donation Bond Issuance Information Between It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for registration, but the present invention includes the provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains to, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 11a, 11b and 11c, telebanking The system or other banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registration of donation bond issuance information, but the present invention may provide a telebanking system or a wireless system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future non-face-to-channel banking systems, and the technical configuration of the present invention is illustrated in FIGS. 11A, 11B and 11C. It is never limited to banking.

In addition, although the embodiment illustrated in FIGS. 11A, 11B, and 11C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

11A, 11B, and 11C, the employee terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the donation bond issuing server 110 is referred to as a "server" for convenience.

11A, 11B, and 11C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server connects the terminal and the server through the browser. Communication channel (1105a), wherein a communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be mounted or updated in the terminal (1115a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1120a.

If the terminal does not need to install or update the latest version of the security module for internet banking (1125a), or if the terminal does not need to load or update the security module for internet banking (1115a), the server is mounted on the terminal. By activating the security module for internet banking, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130a), where the security channel for Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registration of donation bond issuance information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of donation bond issuance information in the terminal. Attach or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1135a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1140a). In operation 1145a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an Internet banking-based financial transaction channel (1160a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined donation bond issuance information for procurement of public utility funds through the liquidation of donation bonds from the terminal to the server.

Subsequently, when the terminal requests a webpage including a user interface for procurement of public utility funds through the liquidation of the donation bond through the internet banking-based financial transaction channel (1100b), the server correspondingly Web page including a user interface for inputting (or selecting) donation bond issuance information including at least one of donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issue amount information to the server. (1105b), and transmits and outputs a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1110b).

According to an embodiment of the present invention, the web page inputs (or selects) donation bond issuing information including at least one of donor information, donation agreement information, contract period information, contract conclusion approval information, and bond issue amount information in the terminal. It is preferable to include a user interface to the customer, or in order to verify the validity of the Internet banking customer requesting to register the donation bond issuance information, the predetermined password or security card information (for example, to the customer during the Internet banking application process) Security card information printed on the issued security card) or OTP (One Time Password) (e.g., through the Internet banking application process (or after an internet banking application) through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution Generated one-time password) It is preferred to also.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the donation bond issuance information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) donation bond issuing information including at least one of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issue amount information through the donation bond issuing interface ( 1115b).

If the terminal inputs (or selects) donation information including donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issuance information through the user interface (1120b), the terminal Transmits the input (or selected) donation bond issuance information to the server through the financial transaction channel (1125b).

According to an embodiment of the present invention, the terminal issues the donation bond at the server to the donation bond issuing information including at least one of the donor information, the donation agreement information, the contract period information, the contract conclusion approval information, and the bond issuance information. Transmitting at least one or more of a predetermined password or security card information or an OTP code generated through a predetermined one time password (OTP) generator to confirm the validity of the information to the server through the network means. desirable.

According to an embodiment of the present invention, the terminal may include at least one encryption method for donation bond issuing information including at least one or more of the donor information, the donation commitment information, the contract period information, the contract conclusion approval information, and the bond issuance information. For example, the network may be encrypted using a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, or by attaching a predetermined electronic signature to the donation bond issuing information. It is preferable to transmit to the server through means, for which the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined public certificate including at least one encryption key, or The authorized certificate is a predetermined IC chip (or IC car) E), if provided in the card, it is preferable that a card reader for checking the official certificate provided on the IC chip (or IC card) is provided.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, donation bond issuing information including at least one or more of the donor information, the donation contract information, the contract period information, the contract conclusion approval information, and the bond issuance information). , Symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like, and transmits to the server through the network means. Is provided with at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is provided on a predetermined IC chip (or IC card) In this case, check the official certificate provided in the IC chip (or IC card). It is preferably provided with a card reader for.

Those skilled in the art to which the present invention pertains know the technical features of various encryption schemes for encrypting the donation bond issuing information and the technical features of attaching a predetermined electronic signature to the donation bond issuing information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the donation bond issuing information through the financial transaction channel to confirm the validity of the donation bond issuing information (1130b).

According to an embodiment of the present invention, the donation bond issuance information is at least one encryption method (for example, symmetric key based encryption, public key based encryption, electronic envelope based encryption, key exchange based encryption, etc.) Is encrypted with the at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange-based decryption scheme) to authenticate validity of the received donation bond issuing information.

Alternatively, when a predetermined electronic signature is attached to the donation bond issuing information, the server may verify the validity of the received donation bond issuing information by checking the electronic signature attached to the donation bond issuing information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted donation bond issuing information, and technical features for confirming an electronic signature attached to the donation bond issuing information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the donation bond issuance information received through the information receiving unit 910 according to the method of the present invention further includes a predetermined password for confirming the validity of the donation bond issuing information, the server is the donation bond It is preferable to authenticate the validity of the received donation bond issuing information by comparing and authenticating a password included in the issuance information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the donation bond issuance information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the donation bond issuing information, the server may include the donation bond issuing information. It is preferable to authenticate the validity of the received donation bond issuing information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the donation bond issuance information received through the information receiving unit 910 further includes a predetermined OTP code for confirming the validity of the donation bond issuing information, the server is included in the donation bond issuing information. And verify the validity of the received donation bond issuing information by comparing and authenticating the received OTP code with the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. .

According to the method of the present invention, the validation of the donation bond issuing information is at least one ledger information matching the donation bond issuing information is registered in the ledger D / B on the financial system associated with the donation bond issuing system is registered; It is preferable to include checking whether there is.

For example, the validation of the donation bond issuance information may be performed by checking the customer information (customer personal information or member information, etc.) among the information included in the donation bond issuing information. It is desirable to include verifying that it matches the customer ledger stored in / B.

In addition, the confirmation of the validity of the donation bond issuance information is the donor information included in the commitment agreement D / B 945 provided in the donation agreement conclusion system shown in Figures 2 and 6 It is preferable that the agreement conclusion approval information is made to check whether the donor information included in the donation bond issuance information and donation agreement information, agreement period information and agreement conclusion approval information match each other.

If the validity of the donation bond issuance information is not authenticated (1135b), the server generates a web page including a predetermined donation bond error information and transmits it to the terminal (1140b), and performs the donation bond issuing procedure. I never do that.

On the other hand, if the validity of the donation bond issuing information is authenticated (1135b), the server includes at least one donor information, the donation agreement information, the contract period information, the contract conclusion approval information, and the bond issuing amount information including the donation bond issuing information. Generates predetermined document content including 1145b, and generates a predetermined donation bond issuing electronic document including the document content (1150c).

According to an exemplary embodiment of the present invention, the server may include at least one document information including donor information, donation agreement information, contract term information, contract conclusion approval information, and bond issue amount information included in the received donation bond issuing information. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document files, etc.) is preferably processed as a donation bond issuing electronic document for public utility fund procurement through the securitization of the donation bonds.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The watermarking method may include at least one of donor information included in the donation bond issuance information, donation agreement information, contract period information, agreement conclusion approval information, and bond issue amount information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the document content, or a web document including the MHT. Donations for public utility funding through the securitization of donation bonds; Volume is preferably treated with issuing the electronic document.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. Processing an image file including captured image content (eg, image content generated by capturing the document content on a memory) into a donation bond issuing electronic document for procurement of public utility fund through the liquidation of the donation bond. It is desirable to.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). After issuing at least one or more of the amount of information issued by the watermarking (Watermarking) method, issuing a donation bond for procurement of public utility funds through the liquidation of the donation bonds an image file containing the image content including the watermarking electronic It is preferable to process the document.

According to another exemplary embodiment of the present invention, the server may include at least one document including donor information, donation agreement information, contract period information, contract execution approval information, and bond issue amount information included in the received donation bond issuing information. A predetermined document file (eg, a Portable Document Format (PDF) file) including content that generates content and captures image content (eg, image content generated by capturing the document content on a memory). Or EDI (Electronic Data Interchange) files, word processor files including at least one or more of HWP / DOC, or web document files including MHT), thereby procuring public utilities through the liquidation of the donation claims. It is advisable to treat the donation bonds as electronic documents.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). Generate image content including at least one or more of the issued amount information in a watermarking manner, and include a document file (for example, a PDF (Portable Document Format) file, or EDI) including the image content including the watermarking. (Electronic Data Interchange) files, or at least one or more HWP / DOC By creating a file such as a Web document) comprising a word processing file, or MHT that is preferably treated with a subscription bond issue the electronic document for public services financed through fluidization of the contributions bonds.

According to another exemplary embodiment of the present invention, the server includes at least one of donor information, donation agreement information, contract period information, contract conclusion approval information, and bond issue amount information included in the received donation bond issuing information. A predetermined document file (eg, PDF) including document content generated, image content (eg, image content generated by capturing the document content on a memory) and the donation bond issuance information, which is captured by the document content. (Portable Document Format) files, EDI (Electronic Data Interchange) files, word processor files including at least one or more HWP / DOC, or a web document file including the MHT, etc.) It is advisable to treat the donation bonds as electronic documents for financing public utility funds.

Alternatively, the server generates document content including at least one of donor information, donation agreement information, commitment period information, agreement conclusion approval information, and bond issuance information included in the received donation bond issuing information, and the document content. The donor information included in the donation bond issuing information, the donation agreement information, the commitment period information, the agreement conclusion approval information, and the bond into the image content captured (e.g., the image content generated by capturing the document content on the memory). A document file (eg, PDF (Portable) is generated that generates image content including at least one or more information of the issued amount information by a watermarking method and includes the watermarking image content and the donation bond issuance information. Document Format (EDI) files, or Electronic Data Interchange (EDI) files, or H By generating a word processor file including at least one of WP / DOC, a web document file including MHT, etc. desirable.

Those skilled in the art to which the present invention pertains can include technical features that cause the server to generate a donation bond issuing electronic document in an image file format or a predetermined document file format, and an image corresponding to the donation bond issuing electronic document. Since you will be familiar with the technical features of the file format for files or document files, the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated donation bond issuing electronic document in a predetermined electronic document storage (1155c).

As shown in FIG. 9, the electronic document repository includes an electronic document D / B 120 and a predetermined electronic document server 115 associated with a server on the donation bond issuing system through predetermined communication means. When provided with, the server preferably transmits the generated donation bond issuing electronic document to the electronic document server 115 through the communication means to store in the electronic document D / B (120).

Or, when the electronic document storage is provided on a DBMS provided in the donation bond issuing system, the server corresponds to the electronic document storage on the DBMS provided in the donation bond issuing system. It is possible to store in the electronic document D / B (120), whereby the present invention is not limited.

According to the method of the present invention, storing the donation bond issuing electronic document in the electronic document storage, the electronic donation bond issuing electronic document and the predetermined electronic document management information in conjunction with the process shown in Figure 9 It is preferable to include storing in the document D / B (120).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the donation bond issuing electronic document and the electronic document storage date and time information.

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the donation bond issuance electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the donation bond issuing information), financial institution information transmitting the donation bond issuing electronic document, or electronic document. File format information, or the donation bond issuing information).

If the donation bond issuing electronic document is stored in the electronic document storage (1160c), the server is the donor information, the donation commitment information, the commitment period information, the agreement conclusion approval information and the bond issuance amount information included in the donation bond issuing information The donation bond information is generated based on 1165c.

Here, the donation bond information preferably comprises an account number and an interest rate information corresponding to the donation bond issued based on the donation bond issuing information, if the donation bond includes a savings attribute, a predetermined subscription It is preferable to further include the period, payment date and time and payment amount information.

Subsequently, the server includes the donation bond information based on the donor information, the donation agreement information, the contract period information, the contract conclusion approval information, and the bond issue amount information included in the donation bond issuing information in association with the financial system. A donation bond under the customer's name is issued and processed (1170c).

According to an embodiment of the present invention, the server generates a customer ledger including donor information included in donation bond issuance information in association with the financial system (or checks a customer ledger that is matched with the donor information. And generating predetermined account ledger information including the donation bond information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the donation bond issuing information. It is characterized by issuing a predetermined donation bond for the procurement of public utility funds through the liquidation of.

According to an embodiment of the present invention, when the server and the financial system exist in the same system, the server generates a predetermined ledger including the donation bond information in the ledger D / B in association with the financial system. It is preferable.

According to another exemplary embodiment of the present invention, when the server and the financial system exist on another system connected through a predetermined communication means, the server may transmit the other server through an external system on the financial system through a predetermined communication means. It is preferable to request the ledger D / B on the financial system to generate a predetermined ledger including the donation bond information.

Thereafter, the server generates bond issuance information including at least one of the donor information, the donation agreement information, the commitment period information, the agreement conclusion approval information, the donation bond amount information, and the bond purchase customer information included in the donation bond issuing information. And store in a predetermined storage medium 950 (1175c).

According to an exemplary embodiment of the present invention, when the storage medium 950 is provided in the server or on a network associated with the server, the server may include the donor information included in the received donation bond issuing information. Preferably, the storage medium 950 stores bond issuance information including at least one of donation agreement information, agreement period information, agreement conclusion approval information, donation bond amount information, and bond purchase customer information.

According to another exemplary embodiment of the present invention, when the storage medium 950 is provided in a DBMS provided on a financial system, the server may include the donor information and the donation agreement information and the agreement included in the received donation bond issuing information. Providing bond issuance information including at least one of period information, contract approval approval information, donation bond amount information, and bond purchase customer information to the information system through the external system of the financial system and storing it in a DBMS provided on the financial system. desirable.

Thereafter, the server issues predetermined donation bond issuance information (for example, the donation bond issuing history, or a history of storing the donation bond issuing electronic document in the electronic document storage, or issuing the donation bond in the storage medium 950). The information storing the information) is generated (or extracted) and transmitted to the terminal (1180c).

According to an embodiment of the present invention, the storage medium 950 is preferably provided in a DBMS on a financial system provided on the donation bond issuing system (or associated with the donation bond issuing system). The storage medium 950 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 950 is an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the donation bond issuing system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

According to the present invention, a marketing effect can be expected due to the application of the original donation method through the donation bond liquidation, there is an advantage to promote the donation culture through the donation bond liquidization.

According to the present invention, the financial institution is able to recover the principal through donation bonds, there is an advantage that can enjoy the effect of enhancing the social image without any loss.

Claims (5)

Receiving a predetermined donor information, a donation agreement information, and a contract period information at a predetermined information receiving means when a predetermined donation agreement is concluded with a predetermined donor; Storing the donor information, the donation contract information, and the contract period information in a predetermined storage medium in a predetermined information storage means; Issuing a predetermined donation bond including the donation commitment information and the bond issuing amount information in a predetermined donation bond generating means when the donation commitment information and the bond issuance information are transmitted from a predetermined employee terminal; And And selling the donation bond in a predetermined donation bond securitization means to procure the funds corresponding to the bond issuance amount. The method of claim 1, And generating a donation agreement conclusion electronic document including the donor information, the donation agreement information, and the contract period information in a predetermined electronic document generating means and storing the donation agreement conclusion electronic document in a predetermined electronic document D / B. How to operate a bond. The method of claim 1, A donation bond operation, characterized in that it further comprises the step of generating a donation bond issuing electronic document including the donation commitment information and bond issuance information in a predetermined electronic document generation means and storing in a predetermined electronic document D / B Way. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Information receiving means for receiving predetermined donor information, donation agreement information, and contract period information when a predetermined donation agreement is concluded with a predetermined donor; Information storage means for storing the donor information, the donation contract information, and the contract period information in a predetermined storage medium; Donation bond generation means for issuing a donation agreement information and bond issuance amount information from a predetermined employee terminal, and issuing a predetermined donation bond including the donation agreement information and bond issuance amount information; And And a donation bond liquidation means for selling the donation bond to procure funds corresponding to the bond issuance amount.

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