KR100982291B1 - System and Method for Managing Customer Ordered Offset-Plan Products using Non-faced Channel and Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a customized offset plan product using a non-face-to-channel channel and a recording medium therefor. The method for setting a target financial product using an offset plan using a non-face-to-face channel according to the present invention is provided through a non-face-to-face channel. Identifying at least one liquid deposit product held by a customer connected to the Internet banking, and providing a user interface for setting the type, amount, and period of financial instruments to be applied to the offset plan among the at least one identified liquid deposit product; And receiving the financial product type information, the amount information, and the period information through the provided user interface, and receiving a preferential loan rate based on the received information when calculating the interest rate for the loan account of the customer. Setting to apply.

Offset Plan

Description

System and Method for Managing Customer Ordered Offset-Plan Products using Non-faced Channel and Recording Medium}

1 is a request for applying a non-face-to-face offset plan for providing a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. It is a figure which shows a processing system.

Figure 2 is a non-face-to-face financial system to provide preferential loan rate through the setting of the financial products to be applied to the offset plan of one or more liquid deposits held by the customer connected through the non-face-to-face channel in accordance with an embodiment of the present invention FIG. 1 is a diagram illustrating the configuration of offset plan application request information stored in the ledger D / B provided in the DBMS.

3 is a non-face-to-face financial system for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. FIG. 1 is a diagram illustrating a configuration of offset plan application request information stored in a database associated with the ledger D / B provided in a DBMS on a PC.

Figure 4 is a banking in a non-face-to-face manner to provide preferential loan rate through the setting of financial products to be applied to the offset plan of one or more liquid deposit products held by the customer connected through a non-face-to-face channel according to another embodiment of the present invention FIG. 1 is a diagram illustrating a configuration of offset plan application request information stored in a DBMS provided in a server.

5A and 5B illustrate a non-face-to-face method for providing a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. FIG. 3 is a diagram illustrating a process of registering offset plan application request information. Referring to FIG.

6A, 6B, and 6C are provided to provide preferential loan interest rates through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to one embodiment of the present invention. The process of registering the offset plan application request information through the face-to-face financial transaction channel.

<Description of main parts of drawing>

100: offset plan application request processing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information verification unit 125: validation unit

130: electronic document generation unit 135: electronic document transmission unit

140: interest rate setting processing unit 145: settlement processing unit

150: information storage unit 155: storage medium

160: electronic document server 165: electronic document receiving unit

170: information generating unit 175: electronic document storage unit

180: electronic document D / B 185: customer terminal

The present invention includes the steps of identifying one or more liquid deposit products held by a customer accessing Internet banking through a non-face-to-face channel, and setting the type, amount, and period of financial products to be applied to the offset plan among the one or more identified liquid deposit products. Providing a user interface for receiving, and receiving the financial product type information, amount information, period information through the provided user interface, and when calculating the interest rate for the customer's loan account, The present invention relates to a method of setting a financial product subject to an offset plan using a non-face-to-face channel including setting a preferential loan rate to be applied based on information.

The development of information and communication technology and the financial industry are converging, providing opportunities to use various types of financial services.

Among them, the Internet, mobile, TV (Television) and ATM (Automatic Teller Machine), which are widely spread around us, are one of the easily accessible non-face-to-face channels, and the number of customers using financial services is increasing day by day. to be.

For these customers, financial services can be easily used, and if detailed information is provided, customer consultation time can be reduced, so that various financial services can be provided, but financial services provided through non-face-to-face channels are practical. Most of them are used in simple fields such as bank transfer and utility bill payment, so it is necessary to provide financial services through more diversified non-face-to-face channels.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is a means for identifying one or more liquid deposit products held by a customer connected to an Internet banking through a non-face-to-face channel, and applying the offset plan among the identified one or more liquid deposit products. Means for providing a user interface for setting a financial product type, amount, and period; means for receiving financial product type information, amount information, and period information through the provided user interface, and a loan account of the customer The present invention provides a system for setting a target financial product to be applied to an offset plan using a non-face-to-face channel including a means for setting a preferential loan rate based on the received information when calculating an interest rate.

In accordance with an embodiment of the present invention, a method of setting a financial product subject to an offset plan using a non-face-to-face channel may include: identifying one or more liquid deposit products held by a customer connected to an Internet banking through a non-face-to-face channel; Providing a user interface for setting the type, amount, and period of financial products to be applied to the offset plan of the product, and receiving the financial product type information, amount information, period information through the provided user interface, And, when calculating the interest rate for the customer's loan account, characterized in that it comprises the step of setting to apply the preferential loan rate based on the received information.

In addition, if the set amount of the deposit of the financial product applied to the offset plan is withdrawn within the set period, characterized in that it comprises the step of setting so that the preferential loan rate is not applied.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described method for setting a financial product to be applied to the offset plan using the non-facing channel.

The system for setting a financial product subject to an offset plan using a non-face-to-face channel according to the present invention includes means for identifying one or more liquid deposit products held by a customer connected to internet banking through a non-face-to-face channel, and the one or more liquid deposits identified. Means for providing a user interface for setting the type, amount, and period of financial products to be applied to the offset plan among the products; and means for receiving financial product type information, amount information, and period information when the financial product type information is input through the provided user interface. And, when calculating the interest rate for the customer's loan account, characterized in that it comprises a means for setting to apply the preferential loan rate based on the received information.

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

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

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

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

1 is a request for applying a non-face-to-face offset plan for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. It is a figure which shows a processing system.

More specifically, FIG. 1 illustrates a financing to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-facing channel to an offset plan application request processing system through a predetermined offset plan application request interface. When providing offset plan application request information including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information to provide preferential loan rate through product setting, the offset plan application request processing The system generates a predetermined offset plan application request electronic document including the provided offset plan application request information, and stores it in a predetermined electronic document storage, and stores the customer information, the liquid deposit product information included in the offset plan application request information, Offset plan application amount information and offset plan application period information As a system configuration for storing in a predetermined storage medium 155, specifically, the electronic document repository is provided on an external system associated with the offset plan application request processing system through a predetermined communication means. will be.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to set up a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel. Various implementation methods for the Offset Plan application request processing system configuration for providing preferential loan rate through it can be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the offset plan application request processing system. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Further, according to the embodiment shown in FIG. 1, the offset plan application request electronic document is illustrated as being generated on the server side on the offset plan application request processing system, but the present invention is not limited thereto. The offset plan application request electronic document may be generated at the terminal side which inputs (or selects) the offset plan application request information and transmits the generated information (eg, the electronic document generation function provided at the server side is provided at the terminal side. Generate the request for the application of the offset plan), and the present invention is not limited thereto.

Hereinafter, by receiving the offset plan application request information from the customer through a predetermined offset plan application request interface on the offset plan application request processing system shown in FIG. 1, a predetermined offset plan application request electronic document is generated to generate a predetermined electronic document. At least one means for storing the document storage and storing the offset plan application request information in a predetermined storage medium 155 and / or a component corresponding to the functional configuration, for convenience, " offset plan application request processing server 100 "

Referring to FIG. 1 according to an embodiment of the present invention, an offset plan is applied for providing preferential loan interest rate by setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. The request processing system is characterized in that it comprises a customer terminal 180 including at least one or more of a client terminal including at least one of a wired terminal and / or a wireless terminal used by the customer, the customer terminal 180 The communication channel is connected to the offset plan application request processing server 100 provided on the offset plan application request processing system through a predetermined network means.

According to an embodiment of the present invention, the customer may request the offset plan application request processing server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. Through the at least one user interface provided by the offset plan application request processing server 100 and through setting the financial product to be applied to the offset plan among one or more liquid deposit products held by the customer connected through the non-facing channel. Inputting (or selecting) offset plan application request information for providing preferential loan interest rate, the client terminal to the offset plan application request processing server 100 provided on the offset plan application request processing system through a predetermined network means It is desirable to transmit.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a communication control network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or User Datagram Protocol / Internet Protocol (UDP / IP), and the TCP / IP or Desktop computer and / or notebook connected to a UDP / IP based communication network, or a home appliance terminal connected to the TCP / IP or UDP / IP based communication network (eg, refrigerator, set-top box, etc.) ), Or at least one kiosk connected to a TCP / IP or UDP / IP based communication network.

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

In addition, the offset plan application request processing server 100 connected to the client terminal is selected from among an Internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. Either one and / or a separate web server for the offset plan application request is preferably included.

The network means for connecting the client terminal and the offset plan application request processing server 100 may be a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16 depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the x-based portable Internet and / or IEEE 802.11x-based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the offset plan application request processing server 100, and inputs and / or selects at least one or more information through the user interface to process the offset plan application request. 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 offset plan application request processing server 100, etc.) for transmitting to the server 100 is preferably provided.

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

In the offset plan application request processing system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and connecting the client terminal and the offset plan application request processing server 100 At least one wired and / or wireless communication network applies an offset plan to provide a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. Performs the function of an offset plan application request interface for registering request information.

According to another exemplary embodiment of the present invention, the customer terminal 180, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser ( Wired telephone networks, such as those that further comprise automated teller machines (not shown), including cash dispensers (CDs), and / or public switched telephone networks (PSTN), voice over IP (VoIP) networks Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the offset plan application request processing system as described above, when the customer terminal 180 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automatic device (not shown) and the offset The financial network connecting the plan application request processing server 100 provides a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by the customer connected through the non-face-to-face channel. Performs a function of an offset plan application request interface for registering offset plan application request information, and / or when the customer terminal 180 is the call terminal (not shown), the call terminal (not shown) and the call A wired telephone network and / or a wireless telephone network connecting a terminal (not shown) and the offset plan application request processing server 100 may be contacted by the customer through the non-face-to-face channel. Perform the function of an offset plan application request interface for registering offset plan application request information to provide preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products possessed by the client belonging to the customer; and / or When the customer terminal 180 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or Server) (not shown) and the network connecting the offset plan application request processing server 100 sets a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. It performs the function of the offset plan application request interface for registering the offset plan application request information to provide preferential loan interest rate through.

The storage medium 155 provided on the offset plan application request processing system according to the present invention includes the customer information, the liquid deposit product information, and the offset plan included in the offset plan application request information provided from the customer terminal 180. The application price information and the offset plan application period information are interworked and stored in a predetermined storage medium 155.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the offset plan application request processing system in response to the customer. It is preferable to comprise.

Among the one or more financial products held by the customer, the liquidity deposit product information may be provided with preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by the customer connected through the non-face-to-face channel. It is preferable to include one or more account numbers, account aliases, etc. for liquid deposit products that can be freely withdrawn at any time, such as checking account or ordinary deposit, to be applied to the offset plan.

One or more liquidity financial products held by the customer in order to receive the preferential loan rate through setting a financial product to be applied to the offset plan among the one or more liquid deposit products held by the customer connected through the non-facing channel It is preferable to include the offset plan application period information for a portion (or the total amount) of the deposit for the liquid deposit products to be applied to the offset plan.

One or more liquid financial instruments held by the customer to receive preferential loan interest rate through setting a financial product to be applied to the offset plan among one or more liquid deposit instruments held by the client connected through the non-face-to-face channel It is preferable to include the amount information corresponding to a portion (or all) of the deposit for the liquid deposit products to be applied to the offset plan.

For example, if 10 million won is deposited in a liquid deposit product held by a customer, and 5 million won is applied to the offset plan for 3 months, the 500 held in the loan account of the loan rate of the customer's loan account It is desirable to provide discounts based on 10,000 won.

According to an embodiment of the present invention, the storage medium 155 may be provided in a DBMS on a financial system provided on the offset plan application request processing system (or associated with the offset plan application request processing system). In this case, the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, whereby the present invention is not limited thereto. .

According to another method of the present invention, the storage medium 155 is provided on (or associated with) the offset plan application request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The offset plan application request processing server 100 provided on the offset plan application request processing system according to the present invention is the offset plan application request processing system side component connected to the customer terminal 180 through a predetermined network means. Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the customer terminal 180 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the offset plan application request processing server ( 100 is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or predetermined external access to the external system of the financial system through the Internet banking system. A server (or device) of a server, a program included in the server (or device), and / or an external system on the financial system accessible through the Internet banking server (and / or the server (or device)). Server (or device), and / or a program provided to the outside world on the financial system. The invention is not limited.

According to another embodiment of the present invention, when the customer terminal 180 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the offset plan application request processing server 100 is A predetermined server (or a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or a predetermined server (or accessible to the external system of the financial system through the wireless banking system). Device), a program provided in the server (or device), and / or a server provided in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the offset plan application request processing server 100 may be configured as described above. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on a telebanking system, and / or a program included in the telebanking server, and / or the financial system through the telebanking system Any server (or device) accessible to the outside world of the program, a program included in the server (or device), and / or the accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the offset plan application request processing server 100 Is a predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the TV banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the offset plan application request processing server 100 connects and manages a predetermined communication channel with the customer terminal 180 through the network means 105 (or interface means). It characterized by comprising a.

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

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the offset plan application request processing server 100, the interface unit 105 may use the TCP / IP or UDP / IP protocol. It connects the communication channel with the client terminal on the basis, 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 customer terminal 180 is a financial automation device connected to a predetermined financial network, the interface unit 105 is based on the financial stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip based banking program) provided by the offset plan application request processing server 100, the interface unit 105 may be configured based on the CDMA protocol. It connects a communication channel with a client terminal 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 customer terminal 180 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 105 may include a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 1, the offset plan application request processing server 100 may allow a predetermined client terminal 180 to establish a predetermined communication channel with the offset plan application request processing server 100 through the interface unit 105. In case of connection, a request for applying a predetermined offset plan in the client terminal 180 to provide preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by the customer connected through the non-face-to-face channel. Generate (or extract) at least one user interface for inputting (or selecting) information to be transmitted to the offset plan application request processing server 100, and generating (or extracting) in conjunction with the interface unit 105. The interface providing unit 110 (or interface providing means) for providing the user interface to the customer terminal 180, and is provided through the interface providing unit 110 Information confirmation unit 120 (or information confirmation means) for identifying one or more liquid deposit products held by the customer to be output on the user interface, and the offset plan application request information through the user interface at the customer terminal 180 Is input (or selected) and transmitted, the information receiving unit 115 (or information receiving means) for receiving the offset plan application request information transmitted from the customer terminal 180 in conjunction with the interface unit 105 is provided. Characterized in that made.

The interface provider 110 connects a predetermined communication channel with the offset plan application request processing server 100 through the interface unit 105, and then the offset plan application request processing server. When requesting a user interface for providing a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel (100), the customer terminal (180) Generate at least one user interface for inputting (or selecting) predetermined offset plan application request information to be transmitted to the offset plan application request processing server 100 through the network means, and / or a predetermined database (not shown) Omit), and the generated (or extracted) user interface in conjunction with the interface unit 105 Characterized in that it is provided to the customer terminal 180 through the step, in connection with the information checking unit 120 to identify one or more liquidity financial products held by the customer to be provided through the user interface, It is desirable to provide one or more liquidity financial instruments through the user interface.

According to an embodiment of the present invention, the user interface for inputting (or selecting) predetermined periodic plan application request information in the customer terminal 180 may include one or more liquidity held by a customer connected through the customer terminal 180. It is preferable to include a financial product, and if one or more liquidity financial products held by the customer are not identified, the user interface is preferably not provided.

Here, the liquidity financial products, it is preferable to include at least one or more common deposits, checking account, etc. that can be withdrawn at any time among the financial products held by the customer connected through the customer terminal 180.

According to an embodiment of the present invention, when the customer terminal 180 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 110 includes a browser program provided in the client terminal and / Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a financial automation device connected to a predetermined financial network, the interface providing unit 110 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 105.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided by the user interface, and generate the user interface (eg, ARS based user interface) through the interface unit 105 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the customer terminal 180 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface provider 110 may provide the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105.

According to another exemplary embodiment of the present invention, at least one of inputting (or selecting) predetermined offset plan application request information to the customer terminal 180 to transmit the offset plan application request processing server 100 through the network means. When the predetermined offset plan application request program having the above user interface is provided, the predetermined offset plan application request information is input (or selected) as described above and transmitted to the offset plan application request processing server 100. The interface providing unit 110 for generating (or extracting) a user interface and providing the user interface 180 may be omitted, and the present invention is not limited thereto.

Thereafter, the customer terminal 180 inputs (or selects) offset plan application request information including at least one of the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information through the user interface. And transmits the input (or selected) offset plan application request information to the offset plan application request processing server 100 through the network means, and correspondingly, the information receiving unit 115 transmits the interface unit 105. ) In response to the offset plan application request information transmitted from the customer terminal 180.

According to an embodiment of the present invention, the customer terminal 180 includes the offset information in the offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. The application request processing server 100 generates an OTP code generated through a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator for checking the validity of the offset plan application request information. It is preferable to further include at least one or more to transmit to the offset plan application request processing server 100 through the network means.

According to an embodiment of the present invention, the customer terminal 180 may include at least one offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. Encrypt using an encryption scheme (e.g., symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method), and / or apply the offset plan Preferably, the request information is attached to a predetermined electronic signature and transmitted to the offset plan application request processing server 100 through the network means. For this purpose, the client terminal 180 may include at least one corresponding to the encryption scheme. With a cryptographic key, and / or with a predetermined certificate containing at least one cryptographic key And, and / or when the official certificate is provided on a predetermined IC chip (or IC card), it is preferable that a card reader is provided for checking the official certificate provided on the IC chip (or IC card).

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

Referring to FIG. 1, when the offset plan application request processing server 100 receives the offset plan application request information transmitted from the client terminal 180 through the information receiver 115, the offset plan application request processing server 100 is applied. Validation unit 125 for confirming whether the request information satisfies the validity for providing the preferential loan rate through the setting of the financial product to be applied to the offset plan of the one or more liquid deposits held by the customer connected through the non-face-to-face channel (or Validation means) is characterized in that it comprises a.

According to an embodiment of the present invention, the offset plan application request information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 125 converts the encrypted offset plan application request information into at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received offset plan application request information.

Alternatively, when a predetermined electronic signature is attached to the offset plan application request information, the validity confirming unit 125 checks the electronic signature attached to the offset plan application request information, thereby applying the received offset plan application request information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention pertains check the technical characteristics of various decryption methods for decrypting the encrypted offset plan application request information and the electronic signature attached to the offset plan application request information. Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the offset plan application request information received through the information receiving unit 115 further includes a predetermined password for confirming the validity of the offset plan application request information, the validity confirming unit Preferably, 125 compares and authenticates the password included in the offset plan application request information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received offset plan application request information. Do.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes predetermined security card information for checking the validity of the offset plan application request information, the validity verification unit 125 Compares and authenticates the security card information included in the offset plan application request information with the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received offset plan application request information. desirable.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes a predetermined OTP code for checking the validity of the offset plan application request information, the validity confirming unit 125 Compares and authenticates the received OTP code included in the offset plan application request information with the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, thereby applying the received offset plan application request. It is desirable to authenticate the validity of the information.

According to an embodiment of the present invention, the validation of the offset plan application request information may include at least one ledger matching the offset plan application request information to the ledger D / B on the financial system associated with the offset plan application request processing system. It is preferable to include checking whether the information is registered.

For example, the validity confirming unit 125 may include, among the information included in the offset plan application request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the offset plan application request processing system. It is preferable to include a check that matches the customer ledger stored in the D / B.

In addition, the validity of the offset plan application request information is an account stored in the ledger D / B on the financial system associated with the offset plan application request processing system of the liquid deposit product information of the information contained in the periodic offset plan application request information It is preferable that the check is made to match the ledger, and if it is determined that the match is matched, the method further includes checking whether the owner of the financial account corresponding to the liquidity deposit information is the customer. desirable.

In addition, the validity of the offset plan application request information is the customer ledger stored in the ledger D / B on the financial system associated with the offset plan application request processing system liquidity deposit product information of the information contained in the offset plan application request information It is preferable to include a match with any one of the ledger linked to.

Referring to FIG. 1, when the validity of the offset plan application request information is authenticated through the validity verification unit 125, the offset plan application request processing server 100 corresponds to the received offset plan application request information. An interest rate setting processing unit 140 (or an interest rate setting processing means) for adjusting the offset plan applied amount among the amounts deposited in the liquidity deposit product designated by the customer to the preferential rate for the loan account held by the customer during the offset plan application period; Characterized in that made.

According to the method of the present invention, providing the preferential rate for the loan account of the customer corresponding to the offset plan application request information, the offset plan application amount specified by the customer of the amount deposited in the liquid deposit products specified by the customer It is desirable to provide preferential rates for the customer's loan account based on.

In addition, when providing a preferential interest rate for the loan account of the customer corresponding to the offset plan application request information, in response to the opening of a virtual account of the customer's liquid financial products account as a parent account, the opened virtual The offset plan application amount may be deposited into an account, and the settling process may be set as a periodic financial instrument rather than a liquidity financial instrument.

Alternatively, when providing a preferential interest rate for the customer's loan account corresponding to the offset plan application request information, in response to this, a new financial account connected to the liquidity financial product account of the customer is opened, and the opened The offset plan application amount may be deposited into a new financial account to be set and processed as a periodic financial product rather than a liquidity financial product.

Referring to FIG. 1, the offset plan application request processing server 100 provides the preferential interest rate for the loan account of the customer through the interest rate setting processing unit 140 until an offset plan application period expires. The information confirming unit 120 (or information checking means) for checking whether a portion (or the total amount) of the offset plan applied amount is withdrawn from the amount deposited in, and a portion (or the total amount) of the offset plan applied amount is confirmed. In response to the withdrawal, a settlement processing unit 145 (or settlement processing means) is provided to perform a settlement process for the preferential interest rate provided to the customer's loan account provided to the customer.

The information checking unit 120 provides the preferential interest rate for the customer's loan account through the interest rate setting processing unit 140 before the expiration of the offset plan application period. It is characterized by checking whether a part (or all) is withdrawn.

According to the method of the present invention, whether the part (or the total amount) of the offset plan applied amount of the amount deposited in the liquidity deposit product is withdrawn, the offset plan set by the customer among the amount deposited in the liquidity deposit product It is desirable to confirm whether or not the balance above the applied amount is deposited.

Here, when the amount deposited in the virtual account (or relationally linked financial account) opened according to the offset plan application request among the amounts deposited in the liquidity deposit product is not set to regular, the customer through the liquidity financial product When requesting the withdrawal (or inquiry), it is preferable to provide the sum of the amount deposited in the liquidity financial account and the amount deposited in the virtual account (or relationally linked financial account).

The settlement processing unit 145, when a portion (or the total amount) of the offset plan applied amount is withdrawn through the information confirming unit 120, in response to the preferential interest rate provided to the customer's loan account provided to the customer It is characterized in that the settlement process for.

According to the method of the present invention, the settlement process for the case where a part (or the total amount) of the offset plan application amount is withdrawn within the offset plan application period, the loan account previously provided with the preferential interest rate granted to the customer's loan account It is desirable to adjust the interest rate for.

In addition, loan interest discounted (or exempt) in accordance with the preferential interest rate for the loan account provided in advance may be withdrawn from the customer's liquid financial instrument account.

In addition, loan interest discounted (or exempt) may be adjusted to a premium rate added to the customer's loan account in accordance with the prevailing interest rate for the previously provided loan account.

Referring to FIG. 1, when the validity of the offset plan application request information is authenticated through the validity checker 125, the offset plan application request processing server 100 includes the received offset plan application request information. An electronic document storage unit 130 (or an electronic document generating means) for generating a predetermined offset plan application request electronic document, and an electronic document repository associated with the generated offset plan application request electronic document with the offset plan application request processing system. It characterized in that it comprises an electronic document transmission unit 135 (or electronic document transmission means) for transmitting to.

The electronic document generating unit 130 generates an offset plan application request electronic document including the offset plan application request information received from the customer terminal 180 through the information receiving unit 115.

According to an exemplary embodiment of the present invention, the electronic document generation unit 130 may include customer information included in the offset plan application request information received through the information receiving unit 115, liquidity deposit product information, offset plan application amount information, Generate document content including at least one offset plan application period information, and include a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the document content. Preferential loans through setting financial instruments to be applied to an offset plan among one or more liquid deposit instruments held by a customer accessing the non-face-to-face channel through a word processor file including at least one or a web document file including an MHT) It is preferable to process the electronic document of the request to apply the offset plan to provide interest rates.

Alternatively, the electronic document generation unit 130 may include at least customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received through the information receiving unit 115. Generate at least one document content including at least one document information, and at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request 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. A word processor file including the above, or a web document file including the MHT, etc.) held by the customer connected through the non-facing channel. Of the above liquidity deposits, it is preferable to process the request for applying the offset plan to provide preferential loan interest rate through the setting of the financial product to be applied to the offset plan.

Alternatively, the electronic document generation unit 130 may include at least customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received through the information receiving unit 115. Create image content including one or more and access an image file including image content captured by capturing the document content (eg, image content generated by capturing the document content on a memory) through the non-facing channel. One or more liquidity deposits held by a customer should be treated as an electronic request for an offset plan to provide preferential loan interest rates by setting up financial instruments to be applied to the offset plan.

Alternatively, the electronic document generation unit 130 may include at least customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received through the information receiving unit 115. Customer information included in the offset plan application request information in the document content including one or more document contents, the image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory); After including at least one or more information of liquidity deposit product information, offset plan application amount information, offset plan application period information by the watermarking method, and the image file including the image content including the watermarking in the non-facing channel Set up financial instruments to apply to the offset plan among one or more liquid deposit instruments held by customers connected through The process is preferably applied to offset plan requested electronic documents for preferential lending provided by.

According to another exemplary embodiment of the present invention, the electronic document generation unit 130 includes customer information, liquidity deposit product information, and offset plan application amount information included in the offset plan application request information received through the information receiving unit 115. And generating document content including at least one offset plan application period information and including 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) By setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel For loans it is preferable to handle the offset Covered request electronic documents for the interest rate offered.

Alternatively, the electronic document generation unit 130 may include at least customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received through the information receiving unit 115. Customer information included in the offset plan application request information in the document content including one or more document contents, the image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory); A document file including image content including at least one of liquidity deposit product information, offset plan application amount information, and offset plan application period information by a watermarking method, and the image content including the watermarking. (For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC). By generating a word processor file including one or more, or a web document file including the MHT, etc.), by setting a financial product to be applied to the offset plan of one or more liquid deposits held by the customer connected through the non-facing channel It is advisable to process the electronic documents with the request for applying the offset plan to provide preferential loan interest rates.

According to another exemplary embodiment of the present invention, the electronic document generation unit 130 includes customer information, liquidity deposit product information, and offset plan application amount included in the offset plan application request information received through the information receiving unit 115. Generating document content including at least one information and information about an offset plan application period, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the offset plan. A predetermined document file including application request information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or MHT). By creating a web document file, etc.), an offset of one or more liquid deposit products held by a customer connected through the non-facing channel. It is preferable that the offset process Covered request electronic documents for preferential lending provided through financial instruments set up to apply to.

Alternatively, the electronic document generation unit 130 may include at least customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received through the information receiving unit 115. Customer information included in the offset plan application request information in the document content including one or more document contents, the image content captured by capturing the document content (for example, image content generated by capturing the document content on a memory); Generate image content including at least one of liquidity deposit product information, offset plan application amount information, and offset plan application period information by a watermarking method, and apply the image content and the offset plan including the watermarking. Document file containing request information (e.g., Portable Document Format (PDF) file, or EDI (Electronic Data Inter) change) file, or a word processing file including at least one of HWP / DOC, or a web document file including MHT), so that one or more liquid deposits held by a customer connected through the non-facing channel are generated. It is preferable to process the request as an electronic document for requesting the application of an offset plan to provide preferential loan interest rate through setting a financial product to be applied to the offset plan.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 130 and the technical features to generate an electronic application of the offset plan application of the image file format and / or a predetermined document file format, and Since the technical features of the file format for the image file and / or the document file corresponding to the offset plan application request electronic document will be understood, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 135 transmits and stores the offset plan application request electronic document generated by the electronic document generation unit 130 to a predetermined electronic document repository associated with the offset plan application request processing system. It features.

As shown in FIG. 1, the electronic document repository is a predetermined electronic document server 160 and an electronic document linked to the offset plan application request processing server 100 on the offset plan application request processing system through a predetermined communication means. When provided to the outside including the D / B (180), the electronic document transmission unit 135 transmits the offset plan application request electronic document generated by the electronic document generation unit 130 through the communication means Characterized in that the transmission to the electronic document server (160).

In this case, when the electronic document server 160 and the electronic document D / B 180 are provided outside the offset plan application request processing system, the electronic document server 160 and the electronic document D / B 180 are provided. ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the offset plan application request processing system, the electronic document transmitting unit 135 is generated by the electronic document generating unit 130. The offset plan application request electronic document can be stored in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the offset plan application request processing system, and the present invention is not limited thereto. .

According to an embodiment of the present invention, the electronic document transmission unit 135 inputs electronic document related information (eg, the offset plan application request information) for generating predetermined electronic document management information in the electronic document server 160. (Optional) customer information transmitted, and / or financial institution information transmitting the offset plan application request electronic document, and / or electronic document file format information, and / or the offset plan application request information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 1, the offset plan application request processing server 100 accesses the offset plan application request information received through the information acceptor 115 through the non-facing channel through the validity checker 125. If the validity for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer is authenticated, the customer information and liquid deposit included in the validated offset plan application request information And an information storage unit 150 (or information storage means) for linking the product information, the offset plan application amount information, and the offset plan application period information to a predetermined storage medium 155.

When the validity of the offset plan application request information is confirmed by the validity confirming unit 125, the information storage unit 150 applies customer information, liquidity deposit product information, and offset plan application included in the offset plan application request information. The amount information and the offset plan application period information are co-processed and stored in the storage medium 155, and the storage medium 155 is provided in the offset plan application request processing server 100 or the offset plan. When provided on the network associated with the application request processing server 100, the information storage unit 150, customer information included in the received offset plan application request information, liquidity deposit product information, offset plan application amount information, Offset plan application period information is preferably linked to the storage medium 155 and stored in the storage medium 155, when the storage medium 155 is provided in a DBMS provided on the financial system, The information storage unit 150 stores the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information included in the received offset plan application request information through an external system on the financial system. In addition, it is desirable to store in a DBMS provided on the financial system.

Referring to FIG. 1, a predetermined offset plan application request electronic document is received from the offset plan application request processing server 100 provided on the offset plan application request processing system to a predetermined electronic document D / B 180. The electronic document server 160 storing and managing the electronic document receiving unit 165 (or electronic document) receives a predetermined offset plan application request electronic document from the offset plan application request processing server 100 through a predetermined communication means. Receiving means) and an information generating unit 170 (or information generating means) for generating predetermined electronic document management information for storing and managing the received offset plan application request electronic document in the electronic document D / B 180. And an electronic document storage unit 175 (or electronic document storage means) for linking the electronic document management information and the offset plan application request electronic document and storing the electronic document management information in a predetermined electronic document D / B 180. Iru It is characterized by falling.

The electronic document receiving unit 165 may receive an offset plan application request electronic document in the form of an image file and / or a document file from the offset plan application request processing server 100 through the communication means.

According to an embodiment of the present invention, the offset plan application request electronic document received by the electronic document receiving unit 165 through the communication means is received by the offset plan application request processing server 100 from the customer terminal 180. Document files (eg, Portable Document Format (PDF)) containing document contents including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in one offset plan application request 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 offset plan application request received by the electronic document receiving unit 165 through the communication means may be applied to the offset plan application request information received by the offset plan application request processing server 100 from the customer terminal 180. Customer information included in the offset plan application request information, liquidity deposit product information, and offset plan application to document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. After including at least one or more information of the amount of money information, offset plan application period information in a watermarking method, a document file (for example, a PDF (Portable Document Format) file, or EDI) containing the document content including the watermarking (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or including the MHT It comprises a text file, etc.) is preferred.

Alternatively, the offset plan application request information received by the electronic document receiver 165 through the communication means is offset plan application request information received by the offset plan application request processing server 100 from the customer terminal 180. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the information. Preferably an image file containing one image content).

Alternatively, the offset plan application request received by the electronic document receiving unit 165 through the communication means may be applied to the offset plan application request information received by the offset plan application request processing server 100 from the customer terminal 180. Image content that captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. Image information) including at least one or more of customer information included in the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information by a watermarking method. It is preferable to include an image file including the image content including the marking.

According to another embodiment of the present invention, the offset plan application request electronic document received by the electronic document receiving unit 165 through the communication means is the offset plan application request processing server 100 from the customer terminal 180 Image content capturing document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request 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 offset plan application request received by the electronic document receiving unit 165 through the communication means may be applied to the offset plan application request information received by the offset plan application request processing server 100 from the customer terminal 180. Image content that captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. Image content) including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information in a watermarking manner. A document file (eg, Portable Document) that includes an image content that is generated and includes the watermarking. nt Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the offset plan application request electronic document received by the electronic document receiving unit 165 through the communication means is the offset plan application request processing server 100 is the customer terminal 180 Image content capturing document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received from the application (eg, the A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) including document content captured by the image on the memory and generated by the offset plan application request information. And a word processor file including at least one or the like, or a web document file including the MHT). The.

Alternatively, the offset plan application request received by the electronic document receiving unit 165 through the communication means may be applied to the offset plan application request information received by the offset plan application request processing server 100 from the customer terminal 180. Image content that captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. Image content) including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information in a watermarking manner. Generating and including the image content including the watermarking and the offset plan application request 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 make.

The information generating unit 170 uses a predetermined electronic document unique number (or unique information) to be assigned to the offset plan application request electronic document received through the electronic document receiving unit 165 and through the electronic document receiving unit 165. And generating electronic document management information including electronic document storage date and time information including a date and time at which the offset plan application request electronic document was received (or a date and time at which the offset plan application request electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the offset plan application request processing server 100 transmitting the offset plan application request electronic document received through the electronic document receiving unit 165. It is preferable to check the financial institution that has transmitted the offset plan application request electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 165 further receives a predetermined electronic document related information from the offset plan application request processing server 100, the information generating unit 170 is Customer information transmitted by inputting (selecting) the received electronic document-related information (eg, the offset plan application request information), and / or financial institution information transmitting the offset plan application request electronic document, and / or electronic document file. It is preferable to generate the electronic document management information further including format information, and / or the offset plan application request information.

The electronic document storage unit 175 processes the electronic document management information generated by the information generating unit 170 and the offset plan application request electronic document received through the electronic document receiving unit 165 to a predetermined electronic document. It is characterized in that the storage in the D / B (180).

According to an embodiment of the present invention, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is the offset plan application request processing server 100 is the customer Document file including document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received from the terminal 180 (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received from the customer terminal 180 by the offset plan application request processing server 100. Customer information included in the offset plan application request information and liquid deposit in document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information After including at least one or more information of the product information, the offset plan application amount information, the offset plan application period information by the watermarking method, and a document file containing the document content including the watermarking (for example, PDF (Portable Document) Format file, or an EDI file, a word processor file including at least one or more, such as HWP / DOC, or including an MHT Web document files).

Alternatively, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received from the customer terminal 180 by the offset plan application request processing server 100. Image content (eg, the document content) which captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information. It is preferably made to include an image file (including image content generated by capturing on the memory).

Alternatively, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received from the customer terminal 180 by the offset plan application request processing server 100. Image content (eg, the document content) which captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information. Watermarking method of at least one of customer information included in the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information in image content captured and generated on a memory; After the inclusion, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the offset plan application request processing server 100 stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the offset plan application request processing server 100. Image capturing document contents including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received from the client terminal 180. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing content (e.g., image content generated by capturing the document content on a memory) And at least one word processor file or at least one web document file including the MHT.

Alternatively, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received from the customer terminal 180 by the offset plan application request processing server 100. Image content (eg, the document content) which captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information. Watermarking method of at least one of customer information included in the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information in image content captured and generated on a memory; A document file including image content including the watermarking and generating the image content including the watermark (eg, PDF) ment Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, etc., or web document file including MHT).

According to another exemplary embodiment of the present invention, the offset plan application request processing electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the offset plan application request processing server 100. Capturing document contents including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information received from the client terminal 180. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including an image content (e.g., image content generated by capturing the document content on a memory) and the offset plan application request information. ), A word processor file including at least one of HWP / DOC, or a web document file including MHT). It is.

Alternatively, the offset plan application request electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may be received from the customer terminal 180 by the offset plan application request processing server 100. Image content (eg, the document content) which captures document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request information. Watermarking method of at least one of customer information included in the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information in image content captured and generated on a memory; Generating image content including the image content and including the watermarking image content and the offset plan application request 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 make.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the offset plan application request electronic document is applied to the offset plan application. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the request electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the offset plan application request electronic document is stored in the offset plan. Preferably, the offset plan application request processing server 100 that transmits the application request electronic document may further include financial institution information that transmits the offset plan application request electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the offset plan application request processing server 100, the electronic document storage unit 175 may be connected to the offset plan application request electronic document. Electronic document management information stored in the electronic document D / B 180 in association with each other may include customer information transmitted by inputting (selecting) the received electronic document related information (eg, the offset plan application request information), and / Or financial institution information for transmitting the offset plan application request electronic document, and / or electronic document file format information, and / or the offset plan application request information.

Figure 2 is a non-face-to-face financial system to provide preferential loan rate through the setting of financial products to be applied to the offset plan of one or more liquid deposits held by the customer connected through a non-face-to-face channel according to an embodiment of the present invention FIG. 1 is a diagram illustrating the configuration of offset plan application request information stored in the ledger D / B 200 provided in the DBMS.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 155 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. An information structure for an implementation method of storing the offset plan application request information including the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information is shown in the technical field to which the present invention pertains. Those skilled in the art will be able to infer various information construction methods for storing the offset plan application request information in the ledger D / B 200 by referring to and / or modifying the present invention. It includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 2, the offset plan application request information provided through the offset plan application request processing system shown in FIG. 1 is stored in the form of additional information added to the account ledger. The at least one customer information, liquidity deposit product information, offset plan application amount information, offset plan application period information is characterized by comprising at least one.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the offset plan application request processing system in response to the customer. It is preferable to comprise.

The liquidity deposit product information is offset among one or more financial products held by the customer in order to receive preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-facing channel. It is desirable to include one or more account numbers, account aliases, etc. for liquidity deposits that are freely withdrawable at any time, such as checking accounts or ordinary deposits, to be applied to the plan.

One or more liquidity financial products held by the customer in order to receive the preferential loan rate through setting a financial product to be applied to the offset plan among the one or more liquid deposit products held by the customer connected through the non-facing channel It is preferable to include the offset plan application period information for a portion (or the total amount) of the deposit for the liquid deposit products to be applied to the offset plan.

One or more liquid financial instruments held by the customer to receive preferential loan interest rate through setting a financial product to be applied to the offset plan among one or more liquid deposit instruments held by the client connected through the non-face-to-face channel It is preferable to include the amount information corresponding to a portion (or all) of the deposit for the liquid deposit products to be applied to the offset plan.

For example, if 10 million won is deposited in a liquid deposit product held by a customer, and 5 million won is applied to the offset plan for 3 months, the 5 million won deposited in the loan account of the loan account held by the customer It is desirable to provide a discount based on this.

According to another exemplary embodiment of the present invention, the offset plan application request information may be stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3 is a non-face-to-face financial system for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. The figure shows the configuration of the offset plan application request information stored in the database associated with the ledger D / B 200 provided in the DBMS on the.

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 155 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 200 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 and transmit the offset plan application request information to a predetermined database with the ledger D / B 200. It will be possible to infer various information construction methods for storing by linking, but the present invention includes all the implementation methods inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the offset plan application request information is not easily stored in the ledger information of the ledger D / B 200 on the DBMS provided on the financial system (for example, the policy of the financial institution DBMS If it is not easy to change the ledger D / B (200) of the ledger, or the system expansion is not easy due to the nature of the financial system), request information to apply the offset plan to a predetermined database instead of the ledger D / B (200) And an implementation method of storing the database in association with the ledger D / B 200.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system according to the intention of the person skilled in the art, and / or It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information included in the offset plan application request information. The plan application request information may further include a CIF number corresponding to the ledger information in the offset plan application request information so as to be linked to the ledger D / B 200.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the offset plan application request processing system in response to the customer. It is preferable to comprise.

The liquidity deposit product information is offset among one or more financial products held by the customer in order to receive preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-facing channel. It is desirable to include one or more account numbers, account aliases, etc. for liquidity deposits that are freely withdrawable at any time, such as checking accounts or ordinary deposits, to be applied to the plan.

One or more liquidity financial products held by the customer in order to receive the preferential loan rate through setting a financial product to be applied to the offset plan among the one or more liquid deposit products held by the customer connected through the non-facing channel It is preferable to include the offset plan application period information for a portion (or the total amount) of the deposit for the liquid deposit products to be applied to the offset plan.

One or more liquidity financings held by the customer in order to receive preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a client connected through the non-face-to-face channel It is preferable to include the amount information corresponding to a portion (or the total amount) of the deposit for the liquid deposit products to be applied to the offset plan of the product.

For example, if 10 million won is deposited in a liquid deposit product held by a customer, and 5 million won is applied to the offset plan for 3 months, the 5 million won deposited in the loan account of the loan account held by the customer It is desirable to provide a discount based on this.

4 is a non-face-to-face banking scheme for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to another embodiment of the present invention. FIG. 1 is a diagram illustrating a configuration of offset plan application request information stored in a DBMS provided in a server.

In more detail, FIG. 4 illustrates a predetermined banking system in which the storage medium 155 shown in FIG. 1 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment of the present invention provided in the DBMS provided in the server, those skilled in the art to which the present invention pertains, the present invention is provided with at least one banking server by referring to and / or modifying the figure 4 It is possible to infer a method of constructing information on offset plan application request information stored in a predetermined DBMS, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information included in the offset plan application request information. Characterized in that.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, etc. included in the customer ledger provided on the financial system associated with the offset plan application request processing system in response to the customer. It is preferable to comprise.

The liquidity deposit product information is offset among one or more financial products held by the customer in order to receive preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-facing channel. It is desirable to include one or more account numbers, account aliases, etc. for liquidity deposits that are freely withdrawable at any time, such as checking accounts or ordinary deposits, to be applied to the plan.

One or more liquidity financial products held by the customer in order to receive the preferential loan rate through setting a financial product to be applied to the offset plan among the one or more liquid deposit products held by the customer connected through the non-facing channel It is preferable to include the offset plan application period information for a portion (or the total amount) of the deposit for the liquid deposit products to be applied to the offset plan.

One or more liquid financial instruments held by the customer to receive preferential loan interest rate through setting a financial product to be applied to the offset plan among one or more liquid deposit instruments held by the client connected through the non-face-to-face channel It is preferable to include the amount information corresponding to a portion (or all) of the deposit for the liquid deposit products to be applied to the offset plan.

For example, if 10 million won is deposited in a liquid deposit product held by a customer, and 5 million won is applied to the offset plan for 3 months, the 5 million won deposited in the loan account of the loan account held by the customer It is desirable to provide a discount based on this.

5A and 5B are provided in a non-face-to-face manner in order to provide preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to an embodiment of the present invention. FIG. 3 is a diagram illustrating a process of registering offset plan application request information. Referring to FIG.

In more detail, FIGS. 5A and 5B show that the client terminal 180 on the offset plan application request processing system shown in FIG. 1 is a client terminal, and the offset plan application request processing server 100 is connected through a predetermined network means. In the case where the client terminal has an accessible web server function, a preferential loan rate is provided by setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. In order to provide offset plan application request information including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information through the client terminal, in the offset plan application request processing system, The predetermined offset plan application request electronic document including the provided offset plan application request information. The storage medium 155 is generated and stored in a predetermined electronic document repository, and the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information included in the offset plan application request information are linked and processed. The present invention relates to an embodiment of the present invention, and those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 5a and 5b, and apply the offset plan application request processing server in the client terminal. Although various implementation methods for registering the offset plan application request information may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 5A and 5B. No.

For example, in the implementation method illustrated in FIGS. 5A and 5B, a web may be provided by the offset plan application request processing server 100 to provide a user interface for the client terminal to input (or select) the offset plan application request information. Although illustrated as being provided through a page, when the client terminal is provided with a predetermined offset plan application request program, the user interface may not be provided from the offset plan application request processing server 100, thereby. The present invention is not limited.

5A and 5B, the client terminal shown in FIG. 1 is referred to as a "terminal" for convenience, and the offset plan application request processing server 100 shown in FIG. 1 is referred to as a "server" for convenience. The customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information transmitted from the client terminal to the offset plan application request processing server 100 are referred to as "offset plan application request information" for convenience.

Referring to FIGS. 5A and 5B, the client terminal shown in FIG. 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and the client terminal is wireless In case of a terminal, a predetermined communication channel is connected by accessing the server through a CDMA based (and / or HSDPA based) mobile communication network, and / or an IEEE 802.16x based portable Internet, and / or an IEEE 802.11x based wireless LAN. And requesting a web page including a user interface for providing a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-facing channel (500). Correspondingly, the server includes at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. Check the liquidity of financial products held by the customer to be provided with the user interface to enter (or select) a three Covered request information (502).

According to an embodiment of the present invention, the user interface for inputting (or selecting) predetermined periodic plan application request information in the customer terminal 180 may include one or more liquidity held by a customer connected through the customer terminal 180. It is preferable to include a financial product, and if one or more liquidity financial products held by the customer are not identified, the user interface is preferably not provided.

Here, the liquidity financial products, it is preferable to include at least one or more common deposits, checking account, etc. that can be withdrawn at any time among the financial products held by the customer connected through the customer terminal 180.

If the customer does not have a liquidity financial product (503), the server preferential loan rate through setting the financial product to apply to the offset plan of one or more liquid deposit products held by the customer connected through the non-face-to-face channel The customer is notified that he did not have a liquid deposit product available (504).

On the other hand, when the customer has at least one liquidity financial product (503), the server is applied to the offset plan including at least one of the customer information, liquidity deposit product information, offset plan application amount information, offset plan application period information Generating (or extracting) a web page including a user interface for inputting (or selecting) request information to the server (505) and including the generated (or extracted) user interface via the network means; The web page is transmitted to the terminal and output (510).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the offset plan application request information processing procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) offset plan application request information including at least one or more customer information, liquidity deposit product information, offset plan application amount information, and offset plan inter container information through a user interface included in the web page. (515).

If the terminal inputs (or selects) offset plan application request information including the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information through the user interface (520), the terminal is input. In operation 525, the inputted (or selected) customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information are transmitted to the server through the communication channel.

According to an embodiment of the present invention, the terminal applies the offset plan to the offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. At least one or more of a predetermined password and / or security card information for confirming validity of the request information and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like. It is desirable to send to the server.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one encryption scheme) for offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or to the offset plan application request information. Preferably, a predetermined electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. A predetermined certification certificate, and / or the certification certificate includes a predetermined IC chip ( Preferably, if provided in the IC card), which is provided with the IC chip (or a card reader for identifying the certificate provided in the IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one encryption scheme) for offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method). To this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate In the case of an IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

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

Thereafter, the server receives and reads the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information through the communication channel, and confirms the validity of the offset plan application request information (530). .

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

Alternatively, when a predetermined electronic signature is attached to the offset plan application request information, the server verifies the validity of the received offset plan application request information by checking the electronic signature attached to the offset plan application request information. It is preferable.

Those skilled in the art to which the present invention pertains may include technical features of various decryption schemes for decrypting the encrypted offset plan application request information, and technology for identifying an electronic signature attached to the offset plan application request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the offset plan application request information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the offset plan application request information, the server may It is preferable to authenticate the validity of the received offset plan application request information by comparing and authenticating the received password included in the offset plan application request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes predetermined security card information for checking the validity of the offset plan application request information, the server applies the offset plan. It is preferable to authenticate the validity of the received offset plan application request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes a predetermined OTP code for checking the validity of the offset plan application request information, the server requests the offset plan application request. The validity of the received offset plan application request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity check of the offset plan application request information may be performed by matching the offset plan application request information to the ledger D / B 200 on the financial system associated with the offset plan application request processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the offset plan application request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the offset plan application request processing system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the offset plan application request information is the ledger D / B (200) on the financial system in which the liquidity deposit product information of the information contained in the periodic offset plan application request information associated with the offset plan application request processing system It is preferable to include whether it is matched with the account ledger stored in, and if it is confirmed that the match, and correspondingly further including whether to check whether the owner of the financial account corresponding to the liquidity deposit product information is the customer; It is preferable to make.

In addition, the validity check of the offset plan application request information is the liquidity deposit product information of the information contained in the offset plan application request information to the ledger D / B (200) on the financial system associated with the offset plan application request processing system It is preferable to include a match with any one of the account ledger associated with the stored customer ledger.

If the validity of the offset plan application request information is not authenticated (535), the server generates a webpage including predetermined offset plan application error information and transmits the webpage to the terminal (540), and the offset plan is applied. The offset plan application request processing corresponding to the request information is not performed.

On the other hand, if the validity of the offset plan application request information is authenticated (535), the server sets the preferential rate for the customer's loan account corresponding to the offset plan application request information (537).

According to the implementation method of the present invention, the offer of preferential interest rate for the loan account of the customer corresponding to the offset plan application request information, the offset plan application amount specified by the customer of the amount deposited in the liquid deposit products specified by the customer It is desirable to provide a preferential rate for the customer's loan account based on.

In addition, when providing a preferential interest rate for the loan account of the customer corresponding to the offset plan application request information, in response to the opening of a virtual account of the customer's liquid financial products account as a parent account, the opened virtual The offset plan application amount may be deposited into an account, and the settling process may be set as a periodic financial instrument rather than a liquidity financial instrument.

Alternatively, when providing a preferential interest rate for the customer's loan account corresponding to the offset plan application request information, in response to this, a new financial account connected to the liquidity financial product account of the customer is opened, and the opened The offset plan application amount may be deposited into a new financial account to be set and processed as a periodic financial product rather than a liquidity financial product.

Thereafter, the server generates predetermined document content including at least one or more customer information including the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information (545), In operation 550, a predetermined offset plan application request electronic document including the document content is generated.

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request 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. (E.g., a web document file, etc.), which is processed as an offset plan request electronic document for providing preferential loan interest rate by setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. It is preferable.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. The watermarking method includes at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request 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. Files, etc.) to an offset plan of one or more liquid deposits held by a customer who accesses the non-facing channel. It is preferable to process the request as an electronic document requesting the application of an offset plan to provide preferential loan interest rates by setting the financial product to be applied.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. An image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) to an offset plan of one or more liquid deposit products held by a customer connected through the non-facing channel. It is preferable to process the request as an electronic document requesting the application of an offset plan to provide preferential loan interest rates by setting the financial product to be applied.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. Customer information, liquidity deposit product information, offset plan applied amount information, and offset plan included in the offset plan application request information in the captured image content (for example, image content generated by capturing the document content on a memory). Among the one or more liquid deposits held by the customer accessing an image file including the image content including the watermarking through the non-facing channel after including at least one or more information of the application period information in a watermarking method Offer to provide preferential loan rate by setting financial products to be applied to offset plan It is preferable to process the set plan application electronic document.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request 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 HWP / DOC, or a web document file including MHT). Offset plan to provide preferential loan rate through setting financial products to be applied to offset plan among the above liquidity deposit products It is desirable to process a request, the electronic document.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. The customer information included in the offset plan application request information, the liquidity deposit product information, the offset plan application amount information, and the offset into the captured image content (for example, the image content generated by capturing the document content on a memory). Generating an image content including at least one or more information of plan application period information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking, or A word processor including at least one Electronic Data Interchange (EDI) file or HWP / DOC Work, or a web document file including MHT), and an offset for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. It is advisable to process the request form electronically.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information. A predetermined document file (eg, an image content generated by capturing the document content on the memory) and the offset plan application request information generated by generating the document content and capturing the document content 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; Preferential through setting financial instruments to be applied to the offset plan among one or more liquid deposit instruments held by customers connected via It is treated as offsets Covered requested electronic document for output rates offered are preferred.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. Customer information, liquidity deposit product information, offset plan applied amount information, and offset plan included in the offset plan application request information in the captured image content (for example, image content generated by capturing the document content on a memory). Create a document content including at least one or more information of the application period information by a watermarking method, and a document file (for example, PDF (Portable) that includes the image content and the offset plan application request information including the watermarking; At least one Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file. Preferential loans by setting financial instruments to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel by generating a word processor file or a web document file including MHT). It is preferable to process the electronic document of the request to apply the offset plan to provide interest rates.

Those skilled in the art to which the present invention pertains include technical features that the server generates an offset plan application request electronic document in an image file format and / or a predetermined document file format, and the offset plan application request electronic document. The technical features of the file format for the image file and / or document file corresponding to the will be familiar, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated offset plan application request electronic document in a predetermined electronic document storage (555).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the offset plan application request processing system through predetermined communication means. In the case of being provided outside, the server transmits the generated offset application request electronic document to the electronic document server 160 through the communication means and stores the electronic document in the electronic document D / B 180. Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the offset plan application request processing system, the server may display the generated offset plan application request electronic document on the DBMS provided in the offset plan application request processing system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the offset plan application request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated offset plan application request electronic document with predetermined electronic document management information. It is preferably made to include in the electronic document D / B (180).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the offset plan application request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the offset plan application request electronic document.

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

If the offset plan application request electronic document is stored in the electronic document repository (560), the server is applied to the customer information, liquidity deposit product information, offset plan application amount information, offset plan application included in the offset plan application request information And process the period information in association with the predetermined storage medium 155 and store it in the predetermined storage medium 155 (step 565), and specify offset plan application processing history information (for example, the offset plan application electronic document stored in the electronic document repository); And / or generates and / or extracts details of storing the offset plan application request information in the storage medium 155 and transmits the generated information to the terminal (570).

According to an embodiment of the present invention, the storage medium 155 may be provided in a DBMS on a financial system provided on the offset plan application request processing system (or associated with the offset plan application request processing system). In this case, the storage medium 155 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200. The present invention is not limited.

According to another method of the present invention, the storage medium 155 is provided on (or associated with) the offset plan application request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server checks whether the amount deposited in the liquidity financial account is less than the offset plan applied amount (575).

According to the method of the present invention, whether the part (or the total amount) of the offset plan applied amount of the amount deposited in the liquid deposit product is withdrawn, the offset set by the customer among the amount deposited in the liquid deposit product It is advisable to check whether there is a balance above the plan application amount.

Here, when the amount deposited in the virtual account (or relationally linked financial account) opened according to the offset plan application request among the amounts deposited in the liquidity deposit product is not set to regular, the customer through the liquidity financial product When requesting the withdrawal (or inquiry), it is preferable to provide the sum of the amount deposited in the liquidity financial account and the amount deposited in the virtual account (or relationally linked financial account).

If the deposit deposited in the liquidity financial account is less than the offset plan applied amount (580), the server processes the preferential rate provided through the customer's loan account (585).

According to the method of the present invention, the settlement process for the case where a part (or the total amount) of the offset plan application amount is withdrawn within the offset plan application period, the loan account previously provided with the preferential interest rate granted to the customer's loan account It is desirable to adjust the interest rate for.

In addition, loan interest discounted (or exempt) may be withdrawn from the customer's liquid financial instrument account in accordance with the preferential interest rate for the previously provided loan account.

In addition, loan interest discounted (or exempt) may be adjusted to a premium rate added to the customer's loan account in accordance with the prevailing interest rate for the previously provided loan account.

On the other hand, if the deposit deposited in the liquidity financial account is more than the offset plan applied amount (580), the server checks whether the offset plan application period expires (590).

If the offset plan application period does not expire (599), the server repeats the process of checking the amount of money deposited in the liquidity financial account.

6A, 6B, and 6C are provided to provide preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through a non-face-to-face channel according to one embodiment of the present invention. The process of registering the offset plan application request information through the face-to-face financial transaction channel.

6A, 6B, and 6C show the offset plan application request processing system shown in FIG. 1 when the system is implemented through an internet banking system among non-face-to-face financial transaction channels (that is, the offset shown in FIG. 1). In the case where the offset plan application request processing server 100 on the plan application request processing system is an Internet banking server, the client terminal is connected to the Internet through a TCP / IP or UDP / IP based network (for example, the Internet). After accessing a banking server and performing a predetermined customer authentication procedure, the client terminal provides a preferential loan rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a client connected through a non-face-to-face channel. When the predetermined offset plan application request information is transmitted to the Internet banking server, the received offset from the Internet banking server Generates a predetermined offset plan application request electronic document including the LAN application request information and stores it in a predetermined electronic document repository, and the customer information, liquidity deposit product information, and offset plan application amount information included in the offset plan application request information. The present invention relates to an implementation method of linking and processing offset plan application period information in a predetermined storage medium 155. Those skilled in the art to which the present invention pertains may have the following figures 6a, 6b and 6c. Although various implementation methods for registering the offset plan application request information through other types of non-face-to-face financial transaction channels may be inferred by referring to and / or modified, the present invention includes all implementation methods inferred from the above. It is not limited to the implementation method shown in FIG. 6A, FIG. 6B, and FIG. 6C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 6A, 6B, and 6C, Although an implementation method of connecting an internet banking-based financial transaction channel for processing an offset plan application request information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 6A, 6B, and 6C. Terminal and Internet Banking Book Although it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for processing an offset plan application request information therebetween, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figures 6a, 6b and 6c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method for connecting a non-face-to-face channel-based financial transaction channel for processing an offset plan application request information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 6A, 6B, and 6C.

6A, 6B, and 6C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the offset plan application request processing server 100 is referred to as " server "

6A and 6B and 6C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP or UDP / IP based network (600a), the server correspondingly Liquidity held by the customer to be provided together through a user interface for inputting (or selecting) offset plan application information including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. The financial instrument is identified (602a).

According to an embodiment of the present invention, the user interface for inputting (or selecting) predetermined periodic plan application request information in the customer terminal 180 may include one or more liquidity held by a customer connected through the customer terminal 180. It is preferable to include a financial product, and if one or more liquidity financial products held by the customer are not identified, the user interface is preferably not provided.

Here, the liquidity financial products, it is preferable to include at least one or more common deposits, checking account, etc. that can be withdrawn at any time among the financial products held by the customer connected through the customer terminal 180.

If the customer does not have a liquidity financial product (603a), the server preferential loan rate through setting the financial product to apply to the offset plan of one or more liquid deposit products held by the customer connected through the non-face-to-face channel The customer is notified that he did not have a liquid deposit product available (604a).

On the other hand, when the customer has at least one liquidity financial product (603a), the server connects the communication channel between the terminal and the server through the browser (605a), where the communication channel is the terminal in the server Generates (or extracts) a predetermined web page and transmits it to the terminal at the request of a browser program provided in the terminal, and inputs (or based on a predetermined user interface included in the web page) a browser program provided in the terminal. It means that a predetermined communication session is allocated to receive at least one or more information (or data).

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (610a).

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

If a predetermined security module is to be mounted and / or updated in the terminal (615a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (620a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (625a), or if the terminal does not need to load and / or update the security module for internet banking (615a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (630a), where the Internet banking The secure channel refers to an electronic signature attached to a predetermined digital signature and / or to at least one of information (or data) included in a web page to be provided to the terminal from the server. (And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or a decoding algorithm) corresponding to the rhythm), and the terminal may provide the server with the offset plan application request information processing. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication process through the browser program (635a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 640a, the server (and / or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for a non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (645a).

If the Internet banking customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), 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 (650a), 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 (660a), where the Internet banking based A financial transaction channel is a request for applying a predetermined offset plan to provide preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a client connected to the server through the non-face-to-face channel. Refers to a communication channel through which information can be transmitted and registered.

Thereafter, the terminal provides a preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquidity deposit products held by a customer connected to the server through the non-face-to-face channel through an internet banking-based financial transaction channel. When requesting a web page including an interface (600b), the server corresponding to the offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, offset plan application period information Generate (or extract) a web page including a user interface for inputting (or selecting) and transmitting it to the server (605b), and the generated (or extracted) user interface via the internet banking-based financial transaction channel. The web page including the transmission is output to the terminal (610b).

According to an embodiment of the present invention, the webpage inputs (or selects) offset plan application request information including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information in the terminal. And / or predetermined password and / or security card information (e.g., internet banking) to verify the validity of the Internet banking customer requesting to register the offset plan application request information. The security card information printed on the security card issued to the customer during the application process and / or the OTP (One Time Password) (e.g., after the internet banking application process (or after the internet banking application) Or a one-time password (generated via OTP authentication program) It is preferred to also.

In addition, the process of transmitting and / or outputting the web page to the terminal is preferably performed at least once according to the offset plan application request information processing procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information through the offset plan application request interface. 615b.

If the terminal inputs (or selects) offset plan application request information including the customer information, the liquidity deposit product information, the offset plan application amount information, and the offset plan application period information through the user interface (620b), the terminal is input. 625b transmits the input (or selected) offset plan application request information to the server through the financial transaction channel.

According to an embodiment of the present invention, the terminal applies the offset plan to the offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. At least one or more of a predetermined password and / or security card information for confirming validity of the request information and / or an OTP code generated through a predetermined one time password (OTP) generator, and the like. It is desirable to send to the server.

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one encryption scheme) for offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. , A symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method), and / or to the offset plan application request information. Preferably, a predetermined electronic signature is attached and transmitted to the server through the network means. For this purpose, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. A predetermined certification certificate, and / or the certification certificate includes a predetermined IC chip ( Preferably, if provided in the IC card), which is provided with the IC chip (or a card reader for identifying the certificate provided in the IC card).

According to an exemplary embodiment of the present invention, the terminal may include at least one encryption scheme (eg, at least one encryption scheme) for offset plan application request information including at least one of the customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information. , Symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method). To this end, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined certificate containing at least one encryption key, and / or the certificate In the case of an IC chip (or IC card), the official certificate provided in the IC chip (or IC card) It is preferable that a card reader for checking is provided.

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

Thereafter, the server receives and reads the offset plan application request information through the financial transaction channel and checks the validity of the offset plan application request information (630b).

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

Alternatively, when a predetermined electronic signature is attached to the offset plan application request information, the server verifies the validity of the received offset plan application request information by checking the electronic signature attached to the offset plan application request information. It is preferable.

Those skilled in the art to which the present invention pertains may include technical features of various decryption schemes for decrypting the encrypted offset plan application request information, and technology for identifying an electronic signature attached to the offset plan application request information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the offset plan application request information received through the information receiving unit 115 further includes a predetermined password for checking the validity of the offset plan application request information, the server may It is preferable to authenticate the validity of the received offset plan application request information by comparing and authenticating the received password included in the offset plan application request information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes predetermined security card information for checking the validity of the offset plan application request information, the server applies the offset plan. It is preferable to authenticate the validity of the received offset plan application request information by comparing and authenticating the received security card information included in the request information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the offset plan application request information received through the information receiver 115 further includes a predetermined OTP code for checking the validity of the offset plan application request information, the server requests the offset plan application request. The validity of the received offset plan application request information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to an exemplary embodiment of the present invention, the validity check of the offset plan application request information may be performed by matching the offset plan application request information to the ledger D / B 200 on the financial system associated with the offset plan application request processing system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirming unit 125 may include, among the information included in the offset plan application request information, the customer information (customer personal information, member information, etc.) of the ledger on the financial system associated with the offset plan application request processing system. It is preferably made to include matching with the customer ledger stored in the D / B (200).

In addition, the validity of the offset plan application request information is the ledger D / B (200) on the financial system in which the liquidity deposit product information of the information contained in the periodic offset plan application request information associated with the offset plan application request processing system It is preferable to include whether it is matched with the account ledger stored in, and if it is confirmed that the match, and correspondingly further including whether to check whether the owner of the financial account corresponding to the liquidity deposit product information is the customer; It is preferable to make.

In addition, the validity check of the offset plan application request information is the liquidity deposit product information of the information contained in the offset plan application request information to the ledger D / B (200) on the financial system associated with the offset plan application request processing system It is preferable to include a match with any one of the account ledger associated with the stored customer ledger.

If the validity of the offset plan application request information is not authenticated (635b), the server generates a web page including predetermined information processing error information and transmits it to the terminal (640b), and the offset plan application request information The offset plan application request processing procedure corresponding to does not perform.

On the other hand, if the validity of the offset plan application request information is authenticated (635b), the server sets the preferential rate provision for the loan account of the customer in response to the offset plan application request information (637b).

According to the implementation method of the present invention, the offer of preferential interest rate for the loan account of the customer corresponding to the offset plan application request information, the offset plan application amount specified by the customer of the amount deposited in the liquid deposit products specified by the customer It is desirable to provide a preferential rate for the customer's loan account based on.

In addition, when providing a preferential interest rate for the loan account of the customer corresponding to the offset plan application request information, in response to the opening of a virtual account of the customer's liquid financial products account as a parent account, the opened virtual The offset plan application amount may be deposited into an account, and the settling process may be set as a periodic financial instrument rather than a liquidity financial instrument.

Alternatively, when providing a preferential interest rate for the customer's loan account corresponding to the offset plan application request information, in response to this, a new financial account connected to the liquidity financial product account of the customer is opened, and the opened The offset plan application amount may be deposited into a new financial account to be set and processed as a periodic financial product rather than a liquidity financial product.

Thereafter, the server generates predetermined document content including at least one or more customer information including the offset plan application request information, liquidity deposit product information, offset plan application amount information, and offset plan application period information (645b), A predetermined offset plan application request electronic document including the document content is generated (650c).

According to an exemplary embodiment of the present invention, the server may include at least one document information including customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request 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. (E.g., a web document file, etc.), which is processed as an offset plan request electronic document for providing preferential loan interest rate by setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. It is preferable.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. The watermarking method includes at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the offset plan application request 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. Files, etc.) to an offset plan of one or more liquid deposits held by a customer who accesses the non-facing channel. It is preferable to process the request as an electronic document requesting the application of an offset plan to provide preferential loan interest rates by setting the financial product to be applied.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. An image file including captured image contents (e.g., image contents generated by capturing the document contents on a memory) to an offset plan of one or more liquid deposit products held by a customer connected through the non-facing channel. It is preferable to process the request as an electronic document requesting the application of an offset plan to provide preferential loan interest rates by setting the financial product to be applied.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. Customer information, liquidity deposit product information, offset plan applied amount information, and offset plan included in the offset plan application request information in the captured image content (for example, image content generated by capturing the document content on a memory). Among the one or more liquid deposits held by the customer accessing an image file including the image content including the watermarking through the non-facing channel after including at least one or more information of the application period information in a watermarking method Offer to provide preferential loan rate by setting financial products to be applied to offset plan It is preferable to process the set plan application electronic document.

According to another exemplary embodiment of the present invention, the server may include at least one document including customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request 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 HWP / DOC, or a web document file including MHT). Offset plan to provide preferential loan rate through setting financial products to be applied to offset plan among the above liquidity deposit products It is desirable to process a request, the electronic document.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. The customer information included in the offset plan application request information, the liquidity deposit product information, the offset plan application amount information, and the offset into the captured image content (for example, the image content generated by capturing the document content on a memory). Generating an image content including at least one or more information of plan application period information by a watermarking method, and including a document file (eg, a Portable Document Format (PDF) file) including the image content including the watermarking, or A word processor including at least one Electronic Data Interchange (EDI) file or HWP / DOC Work, or a web document file including MHT), and an offset for providing preferential loan interest rate through setting a financial product to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel. It is advisable to process the request form electronically.

According to another exemplary embodiment of the present invention, the server includes at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information. A predetermined document file (eg, an image content generated by capturing the document content on the memory) and the offset plan application request information generated by generating the document content and capturing the document content 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; Preferential through setting financial instruments to be applied to the offset plan among one or more liquid deposit instruments held by customers connected via It is treated as offsets Covered requested electronic document for output rates offered are preferred.

Alternatively, the server generates document content including at least one of customer information, liquidity deposit product information, offset plan application amount information, and offset plan application period information included in the received offset plan application request information, and the document content. Customer information, liquidity deposit product information, offset plan applied amount information, and offset plan included in the offset plan application request information in the captured image content (for example, image content generated by capturing the document content on a memory). Create a document content including at least one or more information of the application period information by a watermarking method, and a document file (for example, PDF (Portable) that includes the image content and the offset plan application request information including the watermarking; At least one Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file. Preferential loans by setting financial instruments to be applied to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel by generating a word processor file or a web document file including MHT). It is preferable to process the electronic document of the request to apply the offset plan to provide interest rates.

Those skilled in the art to which the present invention pertains include technical features that the server generates an offset plan application request electronic document in an image file format and / or a predetermined document file format, and the offset plan application request electronic document. The technical features of the file format for the image file and / or document file corresponding to the will be familiar, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated offset plan application request electronic document in a predetermined electronic document storage box (655c).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 associated with a server on the offset plan application request processing system through predetermined communication means. In the case of being provided outside, the server transmits the generated offset application request electronic document to the electronic document server 160 through the communication means and stores the electronic document in the electronic document D / B 180. Do.

Alternatively, when the electronic document storage is provided on the DBMS provided in the offset plan application request processing system, the server may display the generated offset plan application request electronic document on the DBMS provided in the offset plan application request processing system. It is possible to store in the electronic document D / B 180 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the offset plan application request electronic document in the electronic document storage is shown in FIG. 1 by linking the generated offset plan application request electronic document with predetermined electronic document management information. It is preferably made to include in the electronic document D / B (180).

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the offset plan application request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information transmitting the offset plan application request electronic document.

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

If the offset plan application request electronic document is stored in the electronic document storage (660c), the server is applied to the customer information, liquidity deposit product information, offset plan application amount information, offset plan application included in the offset plan application request information And cooperatively process period information and store the information in a predetermined storage medium 155 (665c), and apply offset plan application history information (e.g., a history of storing the offset plan application request electronic document in the electronic document repository; and / Alternatively, the storage medium 155 generates (or extracts) the details of storing the offset plan application request information and transmits the generated information to the terminal (670c).

According to an embodiment of the present invention, the storage medium 155 may be provided in a DBMS on a financial system provided on the offset plan application request processing system (or associated with the offset plan application request processing system). In this case, the storage medium 155 may be a ledger D / B 200 provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 200. The present invention is not limited.

According to another method of the present invention, the storage medium 155 is provided on (or associated with) the offset plan application request processing system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

Thereafter, the server checks whether the amount deposited in the liquidity financial account is less than the offset plan applied amount (675c).

According to the method of the present invention, whether the part (or the total amount) of the offset plan applied amount of the amount deposited in the liquid deposit product is withdrawn, the offset set by the customer among the amount deposited in the liquid deposit product It is advisable to check whether there is a balance above the plan application amount.

Here, when the amount deposited in the virtual account (or relationally linked financial account) opened according to the offset plan application request among the amounts deposited in the liquidity deposit product is not set to regular, the customer through the liquidity financial product When requesting the withdrawal (or inquiry), it is preferable to provide the sum of the amount deposited in the liquidity financial account and the amount deposited in the virtual account (or relationally linked financial account).

If the deposit deposited in the liquidity financial account is less than the offset plan applied amount (680c), the server settles the preferential rate provided through the customer's loan account (685c).

According to the method of the present invention, the settlement process for the case where a part (or the total amount) of the offset plan application amount is withdrawn within the offset plan application period, the loan account previously provided with the preferential interest rate granted to the customer's loan account It is desirable to adjust the interest rate for.

In addition, loan interest discounted (or exempt) may be withdrawn from the customer's liquid financial instrument account in accordance with the preferential interest rate for the previously provided loan account.

In addition, loan interest discounted (or exempt) may be adjusted to a premium rate added to the customer's loan account in accordance with the prevailing interest rate for the previously provided loan account.

On the other hand, if the deposit deposited in the liquidity financial account is more than the offset plan applied amount (680c), the server checks whether the offset plan application period expires (690c).

If the application period of the offset plan does not expire (699c), the server repeats the amount confirmation process deposited in the liquidity financial account.

According to the present invention, an offset plan service for a loan account using a liquidity financial account held by a customer is provided to a customer connected through a non-face-to-face channel, thereby contributing to the activation of an offset plan product.

Claims (4)

Identifying one or more liquid deposit products held by a customer accessing internet banking through a non-face-to-face channel; Offset plan application request information including at least one information about the customer from the client terminal, liquidity deposit product information, offset plan application amount information, offset plan application period information to be applied to the offset plan of the at least one liquidity deposit product identified Providing a user interface for receiving the; Receiving the offset plan application request information from the customer terminal through the provided user interface; Checking whether the received offset plan application request information satisfies a validity for applying to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel; Calculating and providing a preferential interest rate for the loan account of the customer based on the offset plan applied amount of the deposit of the liquid deposit product to be applied to the offset plan, in response to the offset plan applied request information; Performing the settlement process on the preferential interest rate provided to the customer's loan account when the deposit amount is less than the offset plan application amount; and checking whether the offset plan application period has expired when the deposit is more than the offset plan application amount. ; And If the offset plan application amount is withdrawn within the offset plan application period, the preferential interest rate for the customer's loan account is adjusted to the interest rate for the loan account previously provided. The loan interest deducted according to the preferential interest rate is processed withdrawal from the customer's liquid deposit product account or adjusted to the premium interest rate according to the deductible loan interest for the customer's loan account; A method for setting a financial product subject to an offset plan using a non-face-to-face channel. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for identifying one or more liquid deposit products held by a customer accessing internet banking through a non-face-to-face channel; Offset plan application request information including at least one information about the customer from the client terminal, liquidity deposit product information, offset plan application amount information, offset plan application period information to be applied to the offset plan of the at least one liquidity deposit product identified Means for providing a user interface for receiving the message; Means for receiving the offset plan application request information from the customer terminal through the user interface; Means for confirming whether the received offset plan application request information satisfies the validity for applying to an offset plan among one or more liquid deposit products held by a customer connected through the non-face-to-face channel; In response to the received offset plan application request information, the offset plan application amount of the deposit of the liquid deposit product to be applied to the offset plan is adjusted to the preferential interest rate for the customer's loan account during the offset plan application period, If the offset plan application amount is withdrawn within the offset plan application period, the preferential interest rate for the loan account of the customer is adjusted to the interest rate for the loan account previously provided, and the loan interest deducted according to the preferential interest rate is the customer An interest rate setting processing means for processing a withdrawal from a liquid deposit product account of or adjusting the premium rate according to the deducted loan interest on the loan account of the customer; Applicable Financial Product Setting System.

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