KR101041118B1 - System and Method for Account for Money Changing and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for operating a dedicated currency exchange account and a program recording medium therefor. The method for operating a currency exchange account according to the present invention includes a conditional exchange rate for opening a currency exchange account for which a currency exchange rate is applied. An information receiving step of receiving, from the terminal on the network, currency exchange account application information including one or more information, option information-gift exchange agreement application information, automatic insurance subscription application information, and automatic transfer application information; Account opening step of opening an exchange-only account based on the information, and when a predetermined amount is deposited (or transferred) into the opened exchange-only account, the currency exchange rate of the currency to be exchanged is applied to the deposit (or transfer) amount. A currency exchange step of carrying out and processing the transfer (or transfer) of the exchanged currency (or foreign currency cash) into the exchange-only account. It includes a depositing process step.

Currency exchange, private, account

Description

System and Method for Account for Money Changing and Program Recording Medium}

1 is a view showing a system for opening a face-to-face exchange-only account for the exchange of cash exchange rate applied according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an implementation method in which a storage medium storing currency exchange account information corresponding to a currency exchange account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

3 is a storage medium storing currency exchange account information corresponding to a currency exchange account opened in a face-to-face manner in accordance with another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system; It is a figure which shows the implementation method.

FIG. 4 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium storing currency exchange account information corresponding to a currency exchange account opened in a face-to-face manner according to another embodiment of the present invention is provided. .

5A and 5B are diagrams illustrating a process of opening an exchange-only account for exchange with cash exchange rates applied in a face-to-face manner according to one embodiment of the present invention.

6A and 6B are diagrams illustrating a process of opening an exchange-only account for exchange of cash exchange rates applied in a face-to-face manner according to another exemplary embodiment of the present invention.

7A and 7B are diagrams illustrating a process of opening an exchange-only account for exchange with cash exchange rates applied in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a view showing a non-face-to-face exchange-only account opening system for exchange of cash exchange rate applied according to another embodiment of the present invention.

FIG. 9 is a diagram illustrating an implementation method in which a storage medium storing currency exchange account information corresponding to a currency exchange account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

FIG. 10 illustrates a database in which a storage medium storing exchange-only account information corresponding to a currency-only account opened in a non-face-to-face manner according to another embodiment of the present invention is associated with a ledger D / B provided in a DBMS on a financial system. It is a figure which shows the implementation method containing.

11 is a view showing an implementation method including a DBMS provided in a banking server a storage medium storing currency exchange account information corresponding to a currency exchange account opened in a non-face-to-face manner according to another embodiment of the present invention. to be.

12A and 12B are diagrams illustrating a process of opening an exchange-only account for currency exchange in which cash exchange rates are applied in a non-face-to-face manner according to one embodiment of the present invention.

13A, 13B, and 13C are diagrams illustrating a process of opening an exchange-only account for exchange of cash exchange rates applied according to an embodiment of the present invention.

FIG. 14 is a diagram illustrating a system for registering a currency exchange information in a face-to-face manner for exchanging money using an exchange-only account according to an embodiment of the present invention.

15 is a view showing the configuration of the exchange information registration application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the exchange using the exchange-only account according to an embodiment of the present invention.

16 is a view showing the configuration of the exchange information registration application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the exchange using the exchange-only account according to another embodiment of the present invention to be.

17 is a view showing the configuration of the exchange information registration application information stored in the DBMS provided in the banking server in a face-to-face manner to exchange money using a dedicated currency exchange account according to another embodiment of the present invention.

18 is a diagram illustrating a process of registering exchange information registration application information in a face-to-face manner according to an embodiment of the present invention.

19 is a diagram illustrating a non-face-to-face exchange information registration system for exchange using a currency exchange account according to another embodiment of the present invention.

20 is a view showing the configuration of the exchange information registration application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the exchange using the exchange-only account in accordance with an embodiment of the present invention.

21 is a view illustrating the configuration of a currency exchange information registration application information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for exchange using a currency exchange account according to another embodiment of the present invention. Figure is shown.

22 is a view showing the configuration of the exchange information registration application information stored in the DBMS provided in the banking server in a non-face-to-face for the exchange using a dedicated currency exchange account according to another embodiment of the present invention.

FIG. 23 is a diagram illustrating a process of registering exchange information registration application information in a non-face-to-face manner for exchanging money using a dedicated currency exchange account according to an embodiment of the present invention.

24A and 24B illustrate a process of registering exchange information registration application information in a non-face-to-face manner for exchanging money using a dedicated currency exchange account according to another exemplary embodiment of the present invention.

FIG. 25 is a diagram illustrating a currency exchange account operating system for currency exchange processing to which cash exchange rates are applied according to an embodiment of the present invention.

FIG. 26 is a diagram illustrating a currency exchange process in which cash exchange rates are applied by using an exchange-only account according to an embodiment of the present invention.

FIG. 27 is a diagram illustrating a face-to-face change information registration system for changing a currency exchange account application information according to an embodiment of the present invention.

FIG. 28 is a diagram showing the configuration of exchange information registration application change information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to change the application for exchange-only account according to an embodiment of the present invention.

29 is a view illustrating a configuration of exchange information registration application change information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner in order to change the application information for a currency exchange account according to another embodiment of the present invention. Figure is shown.

30 is a view showing the configuration of the exchange information registration application change information stored in the DBMS provided in the banking server in a face-to-face manner for changing the exchange-only account application information according to another embodiment of the present invention.

31 is a diagram illustrating a process of registering currency exchange information registration application change information in a face-to-face manner according to an embodiment of the present invention.

32 is a diagram illustrating a non-face-to-face change information registration system for changing a currency exchange account application information according to another embodiment of the present invention.

33 is a view showing the configuration of the exchange information registration application change information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to change the exchange information account application information according to an embodiment of the present invention.

34 is a view illustrating the configuration of exchange information registration application change information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to change the application information for a currency exchange account according to another embodiment of the present invention. One drawing.

35 is a view showing the configuration of the exchange information registration application change information stored in the DBMS provided in the banking server in a non-face-to-face for changing the exchange-only account application information according to another embodiment of the present invention.

36 is a diagram illustrating a process of registering exchange information registration application change information in a non-face-to-face manner in order to change the application information for exclusive use of currency exchange according to one embodiment of the present invention.

37A and 37B are diagrams illustrating a process of registering exchange information registration application change information in a non-face-to-face manner in order to change exchange application information in accordance with another embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

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

140: information generating unit 145: account opening 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

In the present invention, in order to open an exchange-only account in which exchange processing is applied with cash exchange rate, the exchange-only information including one or more condition exchange rate information, option information-gift exchange agreement application information, automatic insurance subscription application information, and automatic transfer application information- An information receiving step of receiving account application information from a terminal on the network, an account opening step of opening a currency exchange account based on the received currency exchange account application information, and depositing a predetermined amount of money into the opened currency exchange account ( Or transfer), a currency exchange step of performing a currency exchange process in which a cash exchange rate of a currency to be exchanged is applied to the deposit (or transfer) amount and deposit (or transfer) the processed currency (or foreign currency cash) into the currency exchange account. The present invention relates to a method for operating an exchange-only account including a deposit processing step.

In recent years, the number of overseas tourists has been continuously increasing, and the amount of tourism expenditure has been increasing every year.

Financial institutions are preparing various financial products to generate profits from foreign exchange customers.

However, the exchange rate has been decreasing due to the recent rise in the exchange rate. To overcome this problem, it provides customers with currency exchange tools that can prepare for exchange rate fluctuations in advance, providing them with the variety and convenience necessary for currency exchange and satisfying customer needs. This is necessary.

An object of the present invention for solving the above problems, a currency exchange account request that includes one or more condition exchange rate information, option information-prepayment agreement application information, automatic insurance subscription application information, automatic transfer application information-received from the terminal on the network An account opening means for opening a currency exchange account based on the information, and a currency exchange process in which a cash exchange rate of a currency to be exchanged is applied to the deposit (or transfer) amount when a predetermined amount is deposited (or transferred) into the opened currency exchange account. An exchange processing means for performing a transfer and processing (or transfer) of the exchanged currency (or foreign currency cash) to the exchange-only account, or an account for withdrawing the currency (or foreign currency cash) deposited in the exchange-only account. An object of the present invention is to provide a dedicated currency exchange account management system including an operation means.

In the method of operating a currency exchange account according to the present invention, in order to open a currency exchange account in which a currency exchange rate is applied, the exchange rate information, option information-gift exchange agreement application information, automatic insurance subscription application information, automatic transfer application information An information receiving step of receiving, from the terminal on the network, exchange-only account application information including one or more; an account opening step of opening a currency-only account based on the received exchange-only account application information; In the case of depositing (or transferring) a predetermined amount of money into the account, an exchange processing step of performing a currency exchange process in which a cash exchange rate of a currency to be exchanged is applied to the deposit (or transfer) amount and the exchanged currency (or foreign currency cash) are exchanged. It characterized in that it comprises a deposit processing step of depositing (or transferring) the dedicated account.

According to the present invention, the step of the exchange processing, the cash exchange rate of the currency to be exchanged in the deposit (or transfer) amount is determined, whether the coincidence with the condition exchange rate information contained in the application information dedicated to exchange account, does not match In this case, the step of extending the currency exchange process requested by the customer is characterized in that it further comprises a step.

The method may further include transmitting a predetermined period of time extension information for the exchange processing to the customer communication means.

In addition, when the first withdrawal for the currency deposited in the exchange-only account, if the customer is an automatic insurance subscription request customer, transmitting the insurance subscription application information of the customer to the insurance company server further comprises the step of requesting the insurance subscription processing; Characterized in that made.

The present invention includes a computer-readable recording medium characterized by recording a program for executing the above-described method for operating a currency exchange dedicated account.

Exchange-only account operating system according to the present invention, the exchange-exchange account application information including one or more condition exchange rate information, option information-gift exchange agreement application information, automatic insurance subscription application information, automatic transfer application information-received from the terminal on the network An account opening means for opening an exchange-only account based on the above, and when a predetermined amount is deposited (or transferred) into the opened exchange-only account, the cash exchange rate of the currency to be exchanged is applied to the deposit (or transfer) amount. An exchange processing means for performing a transfer and processing (or transfer) of the exchanged currency (or foreign currency cash) to the exchange-only account, or an account for withdrawing the currency (or foreign currency cash) deposited in the exchange-only account. Characterized in that it comprises an operating means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. 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, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

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

1 is a view showing a system for opening a face-to-face exchange-only account for exchange of cash exchange rate applied according to an embodiment of the present invention.

In more detail, in FIG. 1, when a predetermined customer fills out an application for a currency exchange account including at least one of predetermined customer information, conditional exchange rate information, and option information, and submits it to a window provided at a predetermined financial institution, the financial institution Establish a currency-only account for currency exchange with the cash exchange rate applied based on the money-only account application information corresponding to the money-only account application, and store the money-only account information for managing the money-only account in a predetermined storage medium. Regarding the system configuration to be stored in (155), those of ordinary skill in the art to which the present invention pertains, refer to or modify the present Figure 1 for a system for opening a currency exchange dedicated account for exchange of cash exchange rate applied Various implementations may be inferred, but the present invention includes all implementations inferred by the above, FIG. It is not limited only to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 1 to omit the method of exchanging an exchange-only account electronic document and storing the electronic document in the electronic document storage. It is possible to infer the configuration, and also in the case of storing the electronic money exchange account electronic document in the electronic document storage, in addition to the implementation method shown in FIG. Although it is possible to infer an implementation method provided, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, as shown in FIG. 1, in the method of generating the exchange-only account electronic document, the exchange-only account electronic document corresponding to the exchange-only account application is generated on the server side on the exchange-only account opening system. Although the present invention is not limited by this, the present invention is not limited thereto, and the exchange-only account electronic document may be generated at a terminal that has obtained image content corresponding to the exchange-only account application through a predetermined image acquisition device. (E.g., the electronic document generation function provided on the server side is provided on the terminal side to generate the exchange-only account electronic document), by which the present invention is not limited.

Hereinafter, the customer opens the exchange-only account in response to the exchange-only account application and the exchange-only account application information created by the customer through a predetermined financial account opening interface on the exchange-only account opening system shown in FIG. For example, at least one means or a component corresponding to a functional configuration for generating a predetermined currency exchange account electronic document and storing the same in an electronic document storage is referred to as a "financial company server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a system for opening a dedicated currency exchange account for exchange of cash exchange rates is provided with a terminal device including a counter terminal provided in at least one financial institution branch (or branch). It characterized in that it comprises a, the terminal device is connected to the communication channel and the financial company server 100 provided on the currency exchange dedicated account opening system through a predetermined financial network.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (or branch office) for exchange of money applied to the cash exchange rate, and through a window (or teller staff) provided at the financial institution branch (branch branch). Through the application of a predetermined exchange-only account (eg, a document with a form for filling in at least one item of information for the exchange with the cash exchange rate), wherein the customer It is desirable to seal the seal of the customer for the legal basis for the exchange-only account application.

Subsequently, when the customer submits the completed currency exchange account application to the counter employee, the counter staff scans the currency exchange account application through a predetermined image acquisition device to acquire predetermined image contents, and the predetermined counter terminal. Input (or select) exchange-only account application information including at least one of image information obtained in response to the exchange-only account application and customer information, conditional exchange rate information, and option information written in the exchange-only account application; Correspondingly, the counter terminal preferably transmits the image contents and the currency exchange account application information to the financial institution server 100 provided on the currency exchange account opening system through the financial network.

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

In the system for opening a currency exchange account as described above, an image acquisition device for acquiring image contents corresponding to a currency exchange account application prepared by the customer, a window terminal used by the employee, the window terminal and the financial company server 100 The financial network that connects the customer to perform the function of the financial account opening interface for registering the application information for exchange-only account for the exchange of the cash exchange rate applied.

The storage medium 155 provided on the exchange-only account opening system according to the present invention includes at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information provided from the terminal device. It is characterized in that for storing the exchange-only account information including.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

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

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

According to the exemplary embodiment of the present invention, the financial company server 100 may include an interface unit 105 for connecting and managing a predetermined communication channel with the terminal device through the financial network.

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

Referring to FIG. 1, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, the financial institution server 100 exchanges for the cash exchange rate. Obtain image contents corresponding to the exchange-only account application prepared by the customer through a predetermined image acquisition device provided in the terminal device, and input (or select) exchange-only account application information corresponding to the exchange-only account application. An interface agent for generating (or extracting) at least one user interface for transmitting to the financial institution server 100 and providing the generated (or extracted) user interface to the terminal device in association with the interface unit 105. Study 110 and a currency exchange corresponding to the currency exchange account application through the user interface in the terminal device When the account application information is input (or selected) and transmitted, the information receiving unit 115 for receiving the exchange-only account application information transmitted from the terminal device in connection with the interface unit 105, and the terminal device in the When the image content corresponding to the exchange-only account application prepared by the customer is obtained and transmitted through a predetermined image acquisition device based on a user interface, the image content corresponding to the exchange-only account application is linked to the interface unit 105. Characterized in that it comprises an image receiving unit 120 for receiving.

The interface providing unit 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then exchanges the exchange rate to which the cash exchange rate is applied to the financial institution server 100. When requesting a user interface for obtaining, through the predetermined image acquisition device provided in the terminal device obtains the image content corresponding to the exchange-only account application prepared by the customer, the exchange-only account application information corresponding to the exchange-only account application Generate (or select) and generate at least one user interface for transmitting to the financial institution server 100 through the financial network, or extract from a predetermined database (not shown), and interwork with the interface unit 105. Providing the generated (or extracted) user interface to the terminal device through the financial network. It characterized.

According to another embodiment of the present invention, the terminal device acquires image contents corresponding to the exchange-only account application prepared by the customer through a predetermined image acquisition device, and exchanges the currency-only account application information corresponding to the exchange-only account application. If a predetermined information registration program having at least one user interface for inputting (or selecting) and transmitting the data to the financial institution server 100 through the financial network is provided, the predetermined image acquisition apparatus may be used as described above. Generate a user interface for acquiring image contents corresponding to a currency exchange account application prepared by a customer, inputting (or selecting) currency exchange account application information corresponding to the currency exchange account application, and transmitting the same to the financial institution server 100. Interface providing unit (1) to provide (or extract) to the terminal device 10) may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal apparatus inputs (or selects) exchange-only account application information including at least one of the customer information, conditional exchange rate information, and option information through the user interface, and the input (or selected) exchange-only account. The application information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 transmits the exchange-only account application information transmitted from the terminal device in association with the interface unit 105. It is characterized by receiving.

In addition, the terminal device obtains the image content corresponding to the currency exchange account application prepared by the customer through a predetermined image acquisition device based on the user interface, and the obtained financial information through the financial network The image receiver 120 receives the image content corresponding to the exchange-only account application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device acquires image contents corresponding to the exchange-only account application prepared by the customer through a predetermined image acquisition device, and is provided (or associated) with the terminal device. When the terminal device is previously stored in the storage device, the terminal device selects the image content corresponding to the currency exchange account application created by the customer from the at least one or more image contents previously stored in the storage device through the user interface and through the financial network. The financial receiver server 100 transmits the image contents corresponding to the exchange-only account application in connection with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device transmits the image content corresponding to the exchange-only account application prepared by the customer and the exchange-only account application information corresponding to the exchange-only account application through the user interface. In this case, the information receiving unit 115 may receive the image content corresponding to the exchange-only account application and the exchange-only account application information in association with the interface unit 105 (for example, the image receiving unit 120). Integrated into the information receiving unit 115), whereby the present invention is not limited.

Referring to FIG. 1, when the financial institution server 100 receives the exchange-only account application information transmitted from the terminal device through the information receiver 115, the received exchange rate-only account application information is determined by the cash exchange rate. Characterized in that it comprises a validity check unit 125 for confirming whether the validity for the applied currency exchange.

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, the validity check of the currency exchange account application information may include a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the currency exchange account application information is linked to the currency exchange account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking whether a match is found.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device through the image receiving unit 120, and transmits to the currency exchange account request information through the validity checking unit 125. If the validity is verified, an electronic document generation unit 135 for generating a predetermined exchange-only account electronic document including the received image content and the generated exchange-only account electronic document are linked to the exchange-only account opening system. And an electronic document transmission unit for transmitting to the electronic document storage.

The electronic document generating unit 135 generates an exchange-only account electronic document including the image content received from the terminal device through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generating unit 135 converts an image file including the image content received from the terminal device through the image receiving unit 120 into the cash exchange rate to which the cash exchange rate is applied. It is preferable to process the exchange-only account electronic document.

Alternatively, the electronic document generator 135 may include customer information included in the exchange-only account application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120; It is preferable to generate an exchange-only account electronic document for converting the cash exchange rate to an image file corresponding to an image content including at least one or more of conditional exchange rate information and option information in a watermarking manner.

According to another exemplary embodiment of the present invention, the electronic document generating unit 135 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the terminal device through the image receiving unit 120. Format), an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is preferable to generate an exchange-only account electronic document.

Alternatively, the electronic document generator 135 may include customer information included in the exchange-only account application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120; Generating an image content including at least one of conditional exchange rate information and option information by a watermarking method, and a predetermined document file (for example, a Portable Document Format (PDF) file) including the generated image content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create an electronic document.

According to another exemplary embodiment of the present invention, the electronic document generation unit 135 is dedicated to exchange of money received through the image receiving unit 115 and the image content received from the terminal device through the image receiving unit 120. A predetermined document file including account application information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.), or MHT By generating a web document file, etc.), it is preferable to generate a currency exchange exclusive electronic document for exchange of money applied with the cash exchange rate.

Alternatively, the electronic document generator 135 may include customer information included in the exchange-only account application information received through the information receiver 115 in the image content received from the terminal device through the image receiver 120; A predetermined document file (eg, PDF) is generated that generates image content including at least one or more of conditional exchange rate information and option information by a watermarking method, and includes the generated image content and the exchange request information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate a currency exchange account electronic document for exchange.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 135 is a technical feature of generating an electronic document for the exchange file of the image file format or a predetermined document file format, and the exchange-only account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit transmits and stores the exchange-only account electronic document generated by the electronic document generating unit 135 to a predetermined electronic document repository associated with the exchange-only account opening system.

As shown in FIG. 1, the electronic document repository is connected with a financial company server 100 on the currency exchange account opening system and a predetermined electronic document server 160 and electronic document D / B 180 connected through predetermined communication means. When provided to the outside, the electronic document transmission unit for transmitting the exchange-only account electronic document generated by the electronic document generation unit 135 to the electronic document server 160 through the communication means It features.

Here, when the electronic document server 160 and the electronic document D / B 180 is provided outside of the exchange account opening system, the electronic document server 160 and the electronic document D / B (180) ) 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 system for establishing a currency exchange account, the electronic document transmitter is the currency exchange account generated by the electronic document generation unit 135. It is possible to store the electronic document in the electronic document D / B 180 corresponding to the electronic document storage on the DBMS provided in the exchange-only account opening system, by which the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit creates electronic document related information (eg, a currency exchange account application corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 160. Customer information, or financial institution information for transmitting the exchange-only account electronic document, electronic document file format information, or the exchange-only account application information, etc. The present invention is not limited.

Referring to FIG. 1, if the financial institution server 100 receives the exchange-only account application information received through the information receiving unit 115, the validity of the cash exchange rate is applied through the validity checking unit 125. And an information generation unit 140 for generating the financial account information based on the customer information, condition exchange rate information, and option information included in the exchange-only account application information that has been validated, and the financial account information. It is characterized by comprising an account opening section 145 for opening and processing a financial account in the name of the customer.

When the validity of the exchange-only account application information is confirmed by the validity check unit 125, the information generation unit 140 is based on the customer information, condition exchange rate information, option information included in the exchange-only account application information. It characterized in that for generating the financial account information.

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

The account opening unit 145 generates a customer ledger including the customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the cash exchange rate is increased in response to the application for exclusive use of currency exchange. It is characterized by opening a predetermined financial account for the applied currency exchange.

According to an embodiment of the present invention, when the financial institution server 100 and the financial system exist in the same system, the account opening unit 145 includes financial account information in the ledger D / B in association with the financial system. It is desirable to create a predetermined account ledger.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 145 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 1, if the financial institution server 100 receives the exchange-only account application information received through the information receiving unit 115, the validity of the cash exchange rate is applied through the validity checking unit 125. And an information storage unit 150 for storing the exchange-only account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information for which the validity is authenticated, in a predetermined storage medium 155. It is characterized by comprising a).

When the validity of the exchange-only account application information is confirmed by the validity confirming unit 125, the information storage unit 150 stores the customer information, condition exchange rate information, and option information included in the exchange-only account application information. Currency exchange-only account information including at least one or more characterized in that the storage medium 155 is stored.

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the financial institution server 100 or on the network associated with the financial institution server 100, the information storage unit 150 may be Preferably, the storage medium 155 stores currency exchange account information including at least one of the customer information, condition exchange rate information, and option information included in the received currency exchange account application information.

According to another embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the information storage unit 150 includes the customer information included in the received currency exchange account application information. It is preferable that the exchange-only account information including at least one or more exchange rate information, option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Referring to FIG. 1, an electronic document that receives a predetermined exchange-only account electronic document from the financial institution server 100 provided on the exchange-only account opening system and stores and manages the electronic document D / B 180 in a predetermined electronic document D / B 180. The server 160 includes an electronic document receiving unit 165 for receiving a predetermined exchange-only account electronic document from the financial institution server 100 through a predetermined communication means, and the electronic document D. The information generation unit 170 for generating predetermined electronic document management information for storage and management in the B 180, and the electronic document management information and the exchange-only account electronic document by linking the predetermined electronic document D / It is characterized by comprising an electronic document storage unit 175 to be stored in B (180).

The electronic document receiving unit 165 may receive an exchange-only account electronic document in the form of an image file or a document file from the financial institution server 100 through the communication means.

According to one embodiment of the present invention, the electronic document receiving unit 165 exchange-only account electronic document received through the communication means is an image file containing the image content received by the financial institution server 100 from the terminal device It is preferable to include as it is.

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 165 through the communication means is a customer included in the exchange-only account application information in the image content received by the financial institution server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more information of the information, conditional exchange rate information, option information by a watermarking method.

According to another exemplary embodiment of the present invention, the exchange-only account electronic document received by the electronic document receiving unit 165 through the communication means includes a predetermined image content that the financial institution server 100 receives from the terminal device. A document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make it.

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 165 through the communication means may include customer information included in the exchange-only account application information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (e.g., a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing image content including at least one of at least one of conditional exchange rate information and option information in a watermarking manner. Or a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the exchange-only account electronic document received by the electronic document receiving unit 165 through the communication means includes the image content and the currency exchange received by the financial institution server 100 from the terminal device. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing the exclusive account application information, or an MHT Web document files, etc.).

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 165 through the communication means may include customer information included in the exchange-only account application information in the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) including image content including at least one or more of conditional exchange rate information and option information by a watermarking method and the exchange-only account application information; or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the exchange-only account 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 when the exchange-only account electronic document was received (or a date and time when the exchange-only account electronic document was stored).

According to the exemplary embodiment of the present invention, the information generating unit 170 refers to the exchange-only account electronics with reference to the financial institution server 100 that has transmitted the exchange-only account electronic document received through the electronic document receiving unit 165. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received electronic document. Document-related information (e.g., customer information for creating a currency exchange account application corresponding to the image content, financial institution information for transmitting the currency exchange account electronic document, electronic document file format information, or currency exchange account application information, etc.) It is preferable to generate the electronic document management information further comprising a).

The electronic document storage unit 175 processes the electronic document management information generated through the information generation unit 170 and the exchange-only account electronic document received through the electronic document receiving unit 165 in a predetermined electronic document D. / B (180) characterized in that the storage.

According to an embodiment of the present invention, the electronic document storage unit 175 exchange-only account electronic document stored in the electronic document D / B (180) is the image received by the financial institution server 100 from the terminal device It is preferable that the image file including the content is included as it is.

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the exchange-only account in the image content received by the financial institution server 100 from the terminal device. It is preferable to include an image file corresponding to the image content including at least one or more of the customer information, the condition exchange rate information, the option information included in the application information in a watermarking method.

According to another exemplary embodiment of the present invention, the exchange-only account electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is received by the financial institution server 100 from the terminal device. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may include the exchange-only account in image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of customer information, conditional exchange rate information, and option information included in the application information by a watermarking method, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the exchange-only account electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 is received by the financial institution server 100 from the terminal device. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including one image content and the currency exchange account application information. File, or a web document file including MHT).

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 180 by the electronic document storage unit 175 may request the exchange-only account on the image content received by the financial institution server 100 from the terminal device. A predetermined document file (eg, PDF (Portable) including image content including at least one or more of customer information, condition exchange rate information, and option information included in the information by a watermarking method, and the currency exchange account application information. Document Format (EDI) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, etc., or a web document file including the MHT.

According to an 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 exchange-only account electronic document is stored in the exchange-only account electronic. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 180 by the electronic document storage unit 175 in association with the exchange-only account electronic document is stored in the exchange-only account. The financial institution server 100 which has transmitted the electronic document may preferably further include financial institution information which has transmitted the exchange-only account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 100, the electronic document storage unit 175 processes the electronic document by linking with the exchange-only account electronic document. The electronic document management information stored in the document D / B 180 may transmit the received electronic document related information (for example, customer information in which a currency exchange account application corresponding to the image content is created, or the currency exchange account electronic document). Financial institution information, electronic document file format information, or currency exchange account application information).

FIG. 2 is a diagram illustrating an implementation method in which a storage medium 155 for storing currency exchange account information corresponding to a currency exchange account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

In more detail, FIG. 2 is provided in the ledger D / B when the storage medium 155 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system or the ledger D / B. The information structure for one embodiment of the method of storing the exchange-only account information in the ledger information, if the person having ordinary knowledge in the technical field to which the present invention pertains, refer to or modify this drawing 2 to the ledger D Various information construction methods for storing the exchange-only account information in / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, the customer ledger and the currency exchange shown in Figure 1 The account ledger corresponding to the financial account opened through the dedicated account opening system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the financial system maintains at least one ledger (eg, a ledger, loan ledger, mortgage ledger, etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. And it will be apparent that at least one or more additional information for management is also included, and also be aware of specific technical matters Because it is high, and a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, point number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), compound transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

According to an exemplary embodiment of the present invention, the storage medium 155 is the ledger D / B or the present invention includes an implementation method provided in the ledger D / B. Currency exchange dedicated account information including at least one or more of the customer information, conditional exchange rate information, option information included in the exchange-only account application information provided through the dedicated account opening system is stored in the form of additional information added to the account ledger. It is done.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the currency exchange account application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

3 is a storage medium 155 for storing exchange-only account information corresponding to a currency-only account opened in a face-to-face manner in accordance with another embodiment of the present invention associated with the ledger D / B provided in a DBMS on a financial system. A diagram illustrating an implementation method including a database.

In more detail, FIG. 3 illustrates an information structure for an embodiment in which the storage medium 155 shown in FIG. 1 includes a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As one of ordinary skill in the art to which the present invention pertains, various information configuration methods for referring to or modifying this figure 3 and storing the exchange-only account information in a predetermined database in association with the ledger D / B and storing the information. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the exchange-only account information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / B of the financial institution). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the exchange-only account information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

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 or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 3, the storage medium 155 includes a database associated with the ledger D / B provided in a DBMS on a financial system. And store currency exchange-only account information including at least one of the customer information, conditional exchange rate information, and option information included in the exchange information, wherein the exchange-only account information is processed to be linked to the ledger D / B. Preferably, the account information further includes a CIF number corresponding to the ledger information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer, member information of the customer (for example, the customer is finance of the financial institution). At least one member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system linked with the exchange-only account opening system in response to the customer by registering as a transaction customer. It is preferable to comprise as mentioned above.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

Figure 4 shows an implementation method comprising a DBMS provided in the banking server a storage medium 155 for storing the exchange-only account information corresponding to the exchange-only account opened in a face-to-face according to another embodiment of the present invention One drawing.

In more detail, FIG. 4 shows a DBMS in which a storage medium 155 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, the exchange only is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 4 It is possible to infer a method of constructing information on account information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, referring to FIG. 4, wherein the storage medium 155 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is the exchange-only account application information. It is characterized in that for storing the exchange-only account information including at least one of the customer information, condition exchange rate information, option information included in the.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

5A and 5B are diagrams illustrating a process of opening an exchange-only account for exchange with cash exchange rates applied in a face-to-face manner according to one embodiment of the present invention.

5a and 5b show a terminal device in which a terminal device on the exchange-only account opening system shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the customer, the customer information, conditional exchange rate information, and options for a predetermined customer to open an exchange-only account for exchange with cash exchange rate applied When the customer prepares and submits a currency exchange account application including at least one information, the financial institution is a system configuration for opening and processing a currency exchange account in a face-to-face manner based on the currency exchange account application. After filling out the application form for exchange account and submitting it to the window, the window terminal receives a predetermined image acquisition device. After obtaining predetermined image content corresponding to the exchange-only account application and transmitting it to the financial institution server 100, input (or select) exchange-only account application information corresponding to the exchange-only account application (or select) the financial company server ( 100), the financial institution server 100 illustrates an implementation method of opening and processing the exchange-only account based on the exchange-only account application information including at least one of the customer information, conditional exchange rate information, and option information. It is.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention register the application for the exchange-only account application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 5a and 5b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, although the embodiment shown in FIGS. 5A and 5B includes a process of generating a predetermined electronic document corresponding to the exchange-only account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the implementation method shown in FIGS. 5A and 5B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the currency exchange account application through a predetermined image acquisition device. In addition, a user interface for inputting (or selecting) exchange-only account application information corresponding to the exchange-only account application is described as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 5a and 5b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for a currency exchange account including at least one of customer information, conditional exchange rate information, and option information for exchange of cash exchange rates, it is shown in FIG. If the teller terminal connects to the server through a predetermined financial network and requests a user interface for currency exchange with a cash exchange rate corresponding to the exchange-only account application, in response to a predetermined communication channel being connected (500), The server generates (or extracts) a user interface for acquiring a predetermined image content corresponding to the exchange-only account application written by the customer through the predetermined image acquisition device in the terminal and transmitting the predetermined image content to the server (505). In operation 510, the generated (or extracted) user interface is transmitted to the terminal through the financial network.

Thereafter, the terminal acquires image content corresponding to the exchange-only account application through a predetermined image acquisition device based on the user interface (515).

If image content corresponding to the exchange-only account application is obtained through the image acquisition device (520), the terminal transmits the obtained image content to the server through the financial network (525).

Thereafter, the server inputs (or selects) the exchange-only account application information including at least one of customer information, conditional exchange rate information, and option information corresponding to the exchange-only account application that matches the image content, and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (530), and the generated (or extracted) user interface is transmitted through the financial network to the terminal for output (535).

Thereafter, the terminal inputs (or selects) exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information through the user interface (540).

If the exchange-only account application information including at least one of the customer information, the condition exchange rate information, and the option information is input (or selected) through the user interface (545), the terminal transmits the information to the server through the financial network. The input (or selected) exchange-only account application information is transmitted (550).

Thereafter, the server receives and reads a currency exchange account application information including at least one of the customer information, conditional exchange rate information, and option information through the financial network to check the validity of the currency exchange account application information (555). ).

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, the validity check of the currency exchange account application information may include a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the currency exchange account application information is linked to the currency exchange account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is preferable to include checking that a match.

If the validity of the exchange-only account application information is not authenticated (560), the server generates predetermined financial account error information and transmits it to the terminal (565), and the exchange-only account corresponding to the exchange-only account application information. Do not open an account.

On the other hand, if the validity of the exchange-only account application information is authenticated (560), the server generates a predetermined exchange-only account electronic document containing the image content (570).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as an exchange-only account electronic document for exchange with the cash exchange rate applied thereto.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate an exchange-only account electronic document for exchanging the cash exchange rate to the image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for the exchange of cash rates.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. A word that generates image content and includes at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. By generating a processor file, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for exchange with the cash exchange rate applied.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image contents received from the terminal device and the received exchange request information. Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) that generates image content and includes the generated image content and the exchange-only account application information. By generating a word processor file including at least one or the like, or a web document file including the MHT, etc.), it is preferable to generate an exchange-only account electronic document for exchange of the cash exchange rate.

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

Thereafter, the server stores the generated exchange-only account electronic document in a predetermined electronic document storage (575).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the currency exchange account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated exchange-only account electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180). .

Alternatively, when the electronic document storage is provided on the DBMS provided in the exchange-only account opening system, the server stores the generated exchange-only account electronic document on the DBMS provided in the exchange-only account opening system. It is possible to store in the electronic document D / B (180) corresponding to this, by which the present invention is not limited.

According to the method of the present invention, storing the exchange-only account electronic document in the electronic document storage, the electronic exchange shown in Figure 1 by processing the generated exchange-only account electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B (180).

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

In addition, the electronic document management information preferably further comprises information of the financial institution that transmitted the exchange-only account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a currency exchange account application corresponding to the image content is prepared, financial institution information for transmitting the currency exchange account electronic document, or an electronic document file). Format information, or the currency exchange account application information).

If the exchange-only account electronic document is stored in the electronic document storage box (580), the server generates the financial account information based on the customer information, condition exchange rate information, and option information included in the exchange-only account application information. (585).

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the customer information, conditional exchange rate information, and option information included in the exchange-only account application information in connection with the financial system. (590).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or matches a customer ledger provided with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the exchange-only account application information. It is characterized by opening a predetermined financial account for the exchange of cash exchange rate applied.

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

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

Thereafter, the server generates exchange-only account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information and stores the exchange-only account information in a predetermined storage medium 155 (595).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received currency exchange account application information. And it is preferable to store the exchange-specific account information including at least one or more exchange rate information, option information on the storage medium 155.

According to another exemplary embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the server includes the customer information and condition exchange rate information included in the received exchange request information. It is preferable that the exchange-only account information including at least one option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial account opening history information (for example, the history of opening the exchange-only account, or the history of storing the exchange-only account electronic document in the electronic document storage, or the exchange-only exchange in the storage medium 155). History of storing the account application information) is generated (or extracted) and transmitted to the terminal (599).

According to an embodiment of the present invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

6A and 6B are diagrams illustrating a process of opening a currency exchange-only account for currency exchange in which cash exchange rates are applied in a face-to-face manner according to another exemplary embodiment of the present invention.

6a and 6b show a terminal device in which a terminal device on a system for opening a currency exchange account shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the customer, the customer information, conditional exchange rate information, and options for a predetermined customer to open an exchange-only account for exchange with cash exchange rate applied Comprising a system for forming and submitting a currency exchange account application that includes at least one information, the financial institution to open a currency exchange account in a face-to-face manner based on the application for currency exchange account, specifically the customer After filling in the application form for the exchange account and submitting it to the window, the window terminal provides the application for the exchange account only. After inputting (or selecting) the corresponding exchange-only account application information and transmitting it to the financial institution server 100, the predetermined number of image contents corresponding to the exchange-only account application is obtained through a predetermined image acquisition device, and the financial institution server is obtained. When the transfer to the (100), the financial institution server 100, the method of opening the exchange-only account based on the application information for the exchange-only account including at least one of the customer information, conditional exchange rate information, option information It is shown.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention 6A and 6B by referring to or modified to register the exchange-only account application information to the financial company server 100 in the window terminal It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 6A and 6B.

For example, although the embodiment shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the exchange-only account application and storing it in an electronic document repository, the process may be performed according to the intention of those skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the currency exchange account application through a predetermined image acquisition device. In addition, a user interface for inputting (or selecting) exchange-only account application information corresponding to the exchange-only account application is described as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 6a and 6b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, condition exchange rate information, and option information transmitted to the financial company server 100 are referred to as "exchange-only account application information" for convenience.

Referring to FIGS. 6A and 6B, when a predetermined customer fills out and submits an application for a currency exchange account including at least one of customer information, condition exchange rate information, and option information for exchange of cash exchange rates, the diagram shown in FIG. If the window terminal is connected to the server through a predetermined financial network and a predetermined communication channel is connected, requesting a user interface for currency exchange with a cash exchange rate corresponding to the exchange-only account application is applied (600). The server is a user interface for inputting (or selecting) exchange-only account application information including at least one of customer information, conditional exchange rate information, and option information corresponding to the exchange-only account application prepared by the customer, and transmitting the same to the server. Generate (or extract) 605, and generate the generated (or extracted) user interface through the financial network. And it transmits the output words 610. The

Thereafter, the terminal inputs (or selects) exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information through the user interface (615).

If the exchange-only account application information including at least one of the customer information, the condition exchange rate information, and the option information is input (or selected) through the user interface (620), the terminal transmits the information to the server through the financial network. Inputting (or selecting) the exchange-only account application information is transmitted (625).

Thereafter, the server receives and reads a currency exchange account application information including at least one of the customer information, conditional exchange rate information, and option information through the financial network to check the validity of the currency exchange account application information (630). ).

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, the validity check of the currency exchange account application information may include a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the currency exchange account application information is linked to the currency exchange account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking that a match is found.

If the validity of the exchange-only account application information is not authenticated (635), the server generates predetermined financial account error information and transmits it to the terminal (640), and exchange-only corresponding to the exchange-only account application information. Do not open an account.

On the other hand, if the validity of the exchange-only account application information is authenticated (635), the server obtains the predetermined image content corresponding to the exchange-only account application prepared by the customer through the predetermined image acquisition device in the terminal to the server A user interface for transmitting to the terminal is generated (or extracted) (645), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (650).

Thereafter, the terminal acquires image content corresponding to the exchange-only account application through a predetermined image acquisition device based on the user interface (655).

If image content corresponding to the exchange-only account application is obtained through the image acquisition device (660), the terminal transmits the obtained image content to the server through the financial network (665).

In operation 670, the server that receives the exchange-only account application information and the image content from the terminal generates a predetermined exchange-only account electronic document including the image content.

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as an exchange-only account electronic document for exchange with the cash exchange rate applied thereto.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate an exchange-only account electronic document for exchanging the cash exchange rate to the image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for the exchange of cash rates.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. A word that generates image content and includes at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. By generating a processor file, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for exchange with the cash exchange rate applied.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image contents received from the terminal device and the received exchange request information. Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) is generated that generates image content and includes the generated image content and the currency exchange account application information. By generating a word processor file including at least one, or a web document file including the MHT, etc.), it is preferable to generate an exchange-only account electronic document for currency exchange to which the cash exchange rate is applied.

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

Thereafter, the server stores the generated exchange-only account electronic document in a predetermined electronic document storage (675).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the currency exchange account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated exchange-only account electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180).

Alternatively, when the electronic document storage is provided on the DBMS provided in the exchange-only account opening system, the server stores the generated exchange-only account electronic document on the DBMS provided in the exchange-only account opening system. It is possible to store in the electronic document D / B (180) corresponding to this, by which the present invention is not limited.

According to the method of the present invention, storing the exchange-only account electronic document in the electronic document storage, as shown in Figure 1 by linking the generated exchange-only account electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (180).

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

In addition, the electronic document management information preferably further comprises information of the financial institution that transmitted the exchange-only account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a currency exchange account application corresponding to the image content is prepared, financial institution information for transmitting the currency exchange account electronic document, or an electronic document file). Format information, or the currency exchange account application information).

If the exchange-only account electronic document is stored in the electronic document storage (680), the server generates the financial account information based on the customer information, conditional exchange rate information, option information included in the exchange-only account application information. (685).

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the customer information, conditional exchange rate information, and option information included in the exchange-only account application information in connection with the financial system. (690).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby corresponding to the cash exchange account application information. It is characterized in that the opening and processing of a predetermined financial account for exchange of currency applied.

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

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

Thereafter, the server generates exchange-exchange account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-exchange account application information and stores it in a predetermined storage medium 155 (695).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received currency exchange account application information. And it is preferable to store the exchange-specific account information including at least one or more exchange rate information, option information on the storage medium 155.

According to another exemplary embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the server includes the customer information and condition exchange rate information included in the received exchange request information. It is preferable that the exchange-only account information including at least one option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial account opening history information (for example, the history of opening the exchange-only account, or the history of storing the exchange-only account electronic document in the electronic document storage, or the exchange-only exchange in the storage medium 155). Details of storing the account application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of opening a currency exchange-only account for currency exchange in which cash exchange rates are applied in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B are window terminals in which a terminal device on a system for opening a currency exchange account shown in FIG. 1 is provided at a branch of a financial institution (or a branch), and the financial institution server 100 includes a predetermined financial network. In the case of having a ledger server (not shown) function in the financial system associated with the teller terminal through the customer, the customer information, conditional exchange rate information, and options for a predetermined customer to open an exchange-only account for exchange with cash exchange rate applied When the customer prepares and submits a currency exchange account application including at least one information, the financial institution is a system configuration for opening and processing a currency exchange account in a face-to-face manner based on the currency exchange account application. After filling out the application form for exchange account and submitting it to the window, the window terminal receives a predetermined image acquisition device. After acquiring predetermined image content corresponding to the exchange-only account application, inputting (or selecting) exchange-only account application information corresponding to the exchange-only account application, and displaying the image content and the exchange-only account application information. When the financial institution server 100 is transmitted, the financial institution server 100 opens and processes the exchange-only account based on the exchange-only account application information including at least one of the customer information, conditional exchange rate information, and option information. The method is shown.

Those skilled in the art to which the present invention pertains, various embodiments of the present invention register the application for the exchange-only account application information to the financial company server 100 at the window terminal by referring to or modifying the drawings 7a and 7b. It may be inferred, but the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, although the embodiment shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the exchange-only account application and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the teller terminal acquires predetermined image contents corresponding to the currency exchange account application through a predetermined image acquisition device. In addition, a user interface for inputting (or selecting) exchange-only account application information corresponding to the exchange-only account application is described as being provided from the financial institution server 100, but a predetermined information registration program is provided at the counter terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 7a and 7b, the window terminal shown in Figure 1 is referred to as "terminal" for convenience, and the financial institution server 100 shown in Figure 1 is referred to as "server" for convenience, and said window terminal The customer information, condition exchange rate information, and option information transmitted to the financial company server 100 are referred to as "exchange-only account application information" for convenience.

Referring to FIGS. 7A and 7B, when a predetermined customer fills out and submits an application for a currency exchange account including at least one of customer information, conditional exchange rate information, and option information for exchange of cash, the exchange rate is shown in FIG. If the window terminal is connected to the server through a predetermined financial network and a predetermined communication channel is connected, requesting a user interface for currency exchange with a cash exchange rate corresponding to the exchange-only account application is applied (700). The server inputs (or selects) the exchange-only account application information corresponding to the exchange-only account application prepared by the customer in the terminal, and the predetermined image content corresponding to the exchange-only account application through a predetermined image acquisition device. Generate (or extract) a user interface for acquiring and transmitting the data to the server (705); To the generated outputs to transmit the user interface (or extract) to the mobile station 710. The

Thereafter, the terminal inputs (or selects) exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information through the user interface (715).

If the exchange-only account application information including at least one of the customer information, the condition exchange rate information, and the option information is input (or selected) through the user interface (720), the terminal displays a predetermined image based on the user interface. An image content corresponding to the currency exchange account application is obtained through an acquisition device (725).

If the image content corresponding to the exchange-only account application is obtained through the image acquisition device (730), the terminal transmits the exchange-only account application information and image content to the server through the financial network (735). .

Thereafter, the server receives and reads a currency exchange account application information including at least one of the customer information, conditional exchange rate information, and option information through the financial network to confirm the validity of the currency exchange account application information (740). ).

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

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

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking that a match is found.

If the validity of the exchange-only account application information is not authenticated (745), the server generates predetermined financial account error information and transmits it to the terminal (750), and exchange-only corresponding to the exchange-only account application information. Do not open an account.

On the other hand, if the validity of the exchange-only account application information is authenticated (745), the server generates a predetermined exchange-only account electronic document containing the image content (755).

According to an embodiment of the present invention, it is preferable that the server processes the image file including the image content received from the terminal device as an exchange-only account electronic document for exchange with the cash exchange rate applied thereto.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. It is preferable to generate an exchange-only account electronic document for exchanging the cash exchange rate to the image file corresponding to the image content.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or EDI file) including the image content received from the terminal device. By generating a word processor file including at least one of HWP / DOC or the like, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for the exchange of cash rates.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. Generate image content, and include at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the generated image content. By generating a word processor file, or a web document file including MHT), it is preferable to generate an exchange-only account electronic document for exchange of money applied with the cash exchange rate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image contents received from the terminal device and the received exchange request information. Or an electronic data interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to create a document.

Alternatively, the server may include at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account request information in the image content received from the terminal device in a watermarking manner. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) is generated that generates image content and includes the generated image content and the currency exchange account application information. By generating a word processor file including at least one, or a web document file including the MHT, etc.), it is preferable to generate an exchange-only account electronic document for currency exchange to which the cash exchange rate is applied.

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

Thereafter, the server stores the generated exchange-only account electronic document in a predetermined electronic document storage (760).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 160 and an electronic document D / B 180 connected to a server on the currency exchange account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated exchange-only account electronic document to the electronic document server 160 through the communication means to store in the electronic document D / B (180).

Alternatively, when the electronic document storage is provided on the DBMS provided in the exchange-only account opening system, the server stores the generated exchange-only account electronic document on the DBMS provided in the exchange-only account opening system. It is possible to store in the electronic document D / B (180) corresponding to this, by which the present invention is not limited.

According to the method of the present invention, storing the exchange-only account electronic document in the electronic document storage, the electronic exchange shown in Figure 1 by processing the generated exchange-only account electronic document and predetermined electronic document management information It is preferable to include storing in the document D / B (180).

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

In addition, the electronic document management information preferably further comprises information of the financial institution that transmitted the exchange-only account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information in which a currency exchange account application corresponding to the image content is prepared, financial institution information for transmitting the currency exchange account electronic document, or an electronic document file). Format information, or the currency exchange account application information).

If the exchange-only account electronic document is stored in the electronic document storage (765), the server generates the financial account information based on the customer information, condition exchange rate information, option information included in the exchange-only account application information. (770).

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the customer information, conditional exchange rate information, and option information included in the exchange-only account application information in connection with the financial system. (775).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby corresponding to the cash exchange account application information. It is characterized in that the opening and processing of a predetermined financial account for exchange of currency applied.

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

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

Thereafter, the server generates exchange-only account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information and stores the exchange-only account information in a predetermined storage medium 155 (780).

According to an exemplary embodiment of the present invention, when the storage medium 155 is provided in the server or on a network associated with the server, the server includes the customer information included in the received currency exchange account application information. And it is preferable to store the exchange-specific account information including at least one or more exchange rate information, option information on the storage medium 155.

According to another exemplary embodiment of the present invention, when the storage medium 155 is provided in a DBMS provided on a financial system, the server includes the customer information and condition exchange rate information included in the received exchange request information. It is preferable that the exchange-only account information including at least one option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server records predetermined financial account opening history information (for example, the history of opening the exchange-only account, or the history of storing the exchange-only account electronic document in the electronic document storage, or the exchange-only exchange in the storage medium 155). History of storing the account application information) is generated (or extracted) and transmitted to the terminal (785).

According to one embodiment of the invention, the storage medium 155 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). When the storage medium 155 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 155 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

8 is a view showing a non-face-to-face exchange-only account opening system for the exchange of cash exchange rate applied according to another embodiment of the present invention.

In more detail, FIG. 8 illustrates that when a predetermined customer provides exchange-only account application information including at least one of predetermined customer information, conditional exchange rate information, and option information through a predetermined financial account opening interface to the financial institution, A financial institution opens a currency exchange account for currency exchange based on the application for exchange money only, and stores currency exchange account information for managing the currency exchange account in a predetermined storage medium 850. As a system configuration, a person having ordinary knowledge in the art to which the present invention pertains can refer to various embodiments of the present invention in order to infer various embodiments of the system for opening a currency exchange-only account for exchange with cash exchange rates. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is illustrated in FIG. It shall be limited to.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 8 to configure an exchange-only account opening system that omits the method of storing the exchange-only account electronic document in the electronic document storage. In addition, the electronic document storage is provided in the DBMS located in the currency exchange account opening system in addition to the implementation method shown in FIG. 8 even when the electronic document storage electronic document is stored in the electronic document storage. It will be possible to infer the implementation method described above, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 8, the exchange-only account electronic document is illustrated as being generated on the server side on the exchange-only account opening system, but the present invention is not limited thereto. The exchange-only account electronic document may be generated on the terminal side which inputs (or selects) the exchange-only account application information and transmits it (for example, the electronic document generation function provided on the server side is provided on the terminal side to provide the exchange-only account). Account electronic documents), by which the present invention is not limited.

Hereinafter, the customer is provided with the exchange-only account application information from the customer through a predetermined financial account opening interface on the exchange-only account opening system shown in FIG. 8 so that the customer opens the currency-only account, and correspondingly. A component corresponding to at least one or more means or functional configuration for generating an exchange-only account electronic document and storing it in a predetermined electronic document storage is referred to as a "financial company server 800" for convenience.

Referring to FIG. 8 according to an embodiment of the present invention, a system for establishing a currency exchange account for exchange using the cash exchange rate may include at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. It characterized in that it comprises a terminal device comprising, the terminal device is connected to the communication channel and the financial company server 800 provided on the exchange-only account opening system through a predetermined network means.

According to an embodiment of the present invention, the customer connects to the financial institution server 800 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server Entering (or selecting) the exchange-only account application information for the exchange of the cash exchange rate is applied through at least one user interface provided by (800), the exchange terminal opening system through a predetermined network means in the client terminal It is preferable to transmit to the financial institution server 800 provided on the.

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

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

In addition, the financial institution server 800 connected to the client terminal is either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the financial institution server 800 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.16x-based portable Internet or IEEE 802.11 according to a wireless communication network type to which the client terminal is connected. Any one of x-based wireless LANs, or a wireless communication network of any kind proposed in the future including a predetermined wireless interval is preferably made.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 800, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 800 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 800) are 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 or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the system for opening a currency-only account as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial institution server 800. The communication network performs a function of a financial account opening interface for the customer to register the exchange-only account application information for the exchange of the cash exchange rate is applied.

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

In the system for opening an exchange-only account as described above, when the terminal device is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server 800 The financial network connecting to perform a function of the financial account opening interface for the customer to register the exchange-only account application information for the exchange of the cash exchange rate is applied, or if the terminal device is the call terminal (not shown) The wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 800 registers a currency exchange account application information for the customer to exchange the cash exchange rate. A terminal (or a terminal provided in an institution affiliated with the financial institution that is the terminal device) that performs a function of a financial account opening interface for Server) (not shown), the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial institution server 800 has the cash exchange rate applied to the customer. Performs the function of the financial account opening interface for registering the application information for the exchange-only account for the exchange.

The storage medium 850 provided on the exchange-only account opening system according to the present invention includes at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information provided from the terminal device. It is characterized in that for storing the exchange-only account information.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to one embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The financial company server 800 provided on the exchange-only account opening system according to the present invention is a generic term for the components of the exchange-only account opening system connected to the terminal device through a predetermined network means, and includes at least one server. (Or a device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 800 is located on the internet banking system. A predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 800 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 800 is provided on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program provided in the telebanking server, or a predetermined server (or accessible to the external system of the financial system through the telebanking system) Device), a program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the telebanking server (or the server (or device)), Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the financial institution server 800 is connected to the TV banking system. A predetermined TV banking server provided, a program provided in the TV banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the TV banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the TV banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to the embodiment of the present invention, the financial institution server 800 is characterized in that it comprises an interface unit 805 for connecting and managing a predetermined communication channel with the terminal device through the network means.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 805 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface unit 805 may be assigned with the financial automation device based on a protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 805 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 805 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the financial institution server 800, the interface unit 805 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 805 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 805 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 805 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 8, when a predetermined terminal device connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, the financial institution server 800 exchanges for the cash exchange rate. The terminal apparatus generates (or extracts) at least one user interface for inputting (or selecting) a predetermined currency exchange account application information to the financial institution server 800, and in association with the interface unit 805. The interface providing unit 810 for providing the generated (or extracted) user interface to the terminal device, and when the terminal device inputs (or selects) the exchange-only account application information through the user interface, And an information receiver 815 for receiving the exchange-only account application information transmitted from the terminal device in association with the interface unit 805. Characterized in that made.

The interface providing unit 810 connects a predetermined communication channel with the financial institution server 800 through the interface unit 805, and then exchanges the exchange rate to which the cash exchange rate is applied to the financial institution server 800. When the user interface request is made, the terminal apparatus generates (or selects) predetermined currency exchange account application information and generates at least one user interface for transmitting to the financial institution server 800 through the network means, or And extracting from a predetermined database (not shown) and providing the generated (or extracted) user interface to the terminal apparatus through the network means in association with the interface unit 805.

According to an embodiment of the present invention, when the terminal device is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 810 may be configured as a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a financial automation device connected to a predetermined financial network, the interface providing unit 810 may provide a predetermined financial transaction-related program included in the financial automatic device. It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface to the ATM using the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 810 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, when the terminal device is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 810 may be provided to the call terminal (not shown). Generating (or extracting) a user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 805. desirable.

According to another exemplary embodiment of the present invention, when the terminal device is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 810 is provided to the wired terminal (or two-way digital TV). 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 wired terminal (or interactive digital TV) through the interface unit 805.

According to another exemplary embodiment of the present invention, a predetermined currency exchange account input information (or selection) is input to the terminal device and is provided with at least one user interface for transmitting to the financial institution server 800 through the network means. When the information registration program is provided, a user interface for inputting (or selecting) predetermined currency-only account application information as described above is generated (or extracted) for transmission to the financial institution server 800 and provided to the terminal device. The interface providing unit 810 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device inputs (or selects) exchange-only account application information including at least one of the customer information, conditional exchange rate information, and option information through the user interface, and the input (or selected) exchange-only account. The application information is transmitted to the financial institution server 800 through the network means. In response thereto, the information receiving unit 815 transmits the exchange-only account application information transmitted from the terminal device in association with the interface unit 805. It is characterized by receiving.

According to an embodiment of the present invention, the terminal device is effective for the exchange-only account application information in the financial institution server 800 to the exchange-only account application information including at least one of the customer information, conditional exchange rate information, option information. At least one or more of a predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for confirming that the transmission to the financial institution server 800 through the network means desirable.

According to an embodiment of the present invention, the terminal apparatus may include at least one encryption method (for example, a symmetric key-based encryption method, or disclosure) for exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. A key-based encryption method, an electronic envelope-based encryption method, or a key exchange-based encryption method), or the financial institution server 800 through the network means by attaching a predetermined electronic signature to the currency exchange account application information. Preferably, the terminal apparatus has at least one or more encryption keys corresponding to the encryption method, or a predetermined certificate including at least one encryption key, or the certificate is When provided in a predetermined IC chip (or IC card), the IC chip (or IC car) ) To be provided with a card reader for identifying the certificate provided in the preferred.

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

Referring to FIG. 8, when the financial institution server 800 receives the exchange-only account application information transmitted from the terminal device through the information receiving unit 815, the cash exchange rate-only account application information is received. Characterized in that it comprises a validity check unit 820 to check whether the validity for the applied currency exchange.

According to an embodiment of the present invention, the exchange-only account application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The validity confirming unit 820 determines at least one decryption method (for example, a symmetric key-based decryption method or a public key-based decryption method) corresponding to the encryption method. , Or an electronic envelope-based decryption scheme, or a key exchange-based decryption scheme, etc., to authenticate the validity of the received exchange-only account application information.

Alternatively, when a predetermined electronic signature is attached to the exchange-only account application information, the validity verification unit 820 checks the electronic signature attached to the exchange-only account application information, thereby receiving the exchange-only account application information. It is desirable to authenticate validity.

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

According to an embodiment of the present invention, when the exchange-only account application information received through the information receiving unit 815 further includes a predetermined password for checking the validity of the exchange-only account application information, the validity confirmation unit 820 compares and authenticates the password included in the exchange-only account application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received exchange-only account application information. Do.

Alternatively, when the exchange-only account application information received through the information receiving unit 815 further includes predetermined security card information for checking the validity of the exchange-only account application information, the validity verification unit 820 Compares and authenticates the security card information included in the exchange-only account application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received exchange-only account application information. desirable.

Alternatively, when the exchange-only account application information received through the information receiving unit 815 further includes a predetermined OTP code for confirming the validity of the exchange-only account application information, the validity verification unit 820 By comparing and authenticating the received OTP code included in the exchange-only account application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received exchange-only account application information It is desirable to authenticate the validity of the.

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, the validity check of the currency exchange account application information may include a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the currency exchange account application information is linked to the currency exchange account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking that a match is found.

Referring to FIG. 8, when the validity of the exchange-only account application information is authenticated through the validity checker 820, the financial institution server 800 includes a predetermined exchange-only account including the received exchange-only account application information. An electronic document generation unit 825 for generating an account electronic document, and an electronic document transmission unit 830 for transmitting the generated exchange-only account electronic document to an electronic document repository associated with the exchange-only account opening system. It is characterized by.

The electronic document generating unit 825 may generate an exchange-only account electronic document including the exchange-only account application information received from the terminal device through the information receiving unit 815.

According to an exemplary embodiment of the present invention, the electronic document generating unit 825 includes at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiving unit 815. Generating a document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the document content; Or a web document file including the MHT) is preferably treated as an exchange-only account electronic document for converting the cash exchange rate.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiver 815, A document including document content including the watermarking after including at least one of customer information, condition exchange rate information, and option information included in the document for exclusive use of currency exchange account information in the document content in a watermarking manner; The cash exchange rate of a file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to process the exchange-only account electronic document for the applied currency exchange.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiver 815, Processing an image file including the image content captured by the document content (eg, the image content generated by capturing the document content on a memory) as an exchange-only account electronic document for currency exchange with the cash exchange rate applied thereto. desirable.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiver 815, At least one or more of customer information, condition exchange rate information, and option information included in the currency exchange account application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. After the information is included in a watermarking method, it is preferable to process an image file including the image content including the watermarking as an exchange-only account electronic document for exchange with the cash exchange rate.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 includes at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiving unit 815. A predetermined document file (for example, PDF (Portable Document Format)) is generated that includes document content including an image content and includes image content (eg, image content generated by capturing the document content on a memory). ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT). It is desirable to treat it as a dedicated account electronic document.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiver 815, At least one or more of customer information, condition exchange rate information, and option information included in the currency exchange account application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. Generating image contents including information by a watermarking method, and including a document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking, Or a word processor file including at least one of HWP / DOC, or a web document file including MHT) It is desirable to process electronic documents to exchange only account for currency exchange rates applied to the cash machine.

According to another exemplary embodiment of the present invention, the electronic document generating unit 825 includes at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiving unit 815. A predetermined document file including document content including the above-described document content and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the currency exchange account application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to process the exchange-only account electronic document for the exchange of cash exchange rates.

Alternatively, the electronic document generator 825 generates document content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information received through the information receiver 815, At least one or more of customer information, condition exchange rate information, and option information included in the currency exchange account application information in the image content (eg, the image content generated by capturing the document content on a memory) of the document content. Generating image content including information in a watermarking manner, and a document file (for example, a PDF (Portable Document Format) file or EDI file containing the watermarking image content and the exchange request account information) (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, etc., or a web including MHT By creating a document file and the like), it is preferred to process only accounts to exchange the electronic document for which the cash currency exchange rates applied.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 825, the technical features of generating an electronic document for the exchange file of the image file format or a predetermined document file format, and the exchange-only account Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 830 transmits and stores the exchange-only account electronic document generated by the electronic document generation unit 825 to a predetermined electronic document repository associated with the exchange-only account opening system. do.

As shown in FIG. 8, the electronic document repository is connected to a financial company server 800 on the currency exchange account opening system and a predetermined electronic document server 855 and an electronic document D / B 875 connected through predetermined communication means. When provided externally, the electronic document transmission unit 830 is the electronic document server 855 to the exchange-only account electronic document generated by the electronic document generation unit 825 through the communication means It characterized in that the transmission to.

Here, when the electronic document server 855 and the electronic document D / B 875 is provided outside the exchange-only account opening system, the electronic document server 855 and the previous consultation document D / B (875) ) 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 currency exchange account opening system, the electronic document transmission unit 830 is generated by the electronic document generation unit 825. The exchange-only account electronic document can be stored in the electronic document D / B 875 corresponding to the electronic document storage on the DBMS provided in the exchange-only account opening system, whereby the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 830 inputs electronic document related information (eg, the currency exchange account application information) for generating predetermined electronic document management information in the electronic document server 855. (Optional) transmitting the information to the electronic document repository further including customer information, or financial institution information for transmitting the exchange-only account electronic document, electronic document file format information, or the exchange-only account application information. It is possible that the present invention is not limited thereby.

Referring to FIG. 8, if the financial institution server 800 receives the exchange-only account application information received through the information receiving unit 815, the validity of the cash exchange rate is applied through the validity checking unit 820. And an information generation unit 835 for generating the financial account information based on the customer information, condition exchange rate information, and option information included in the exchange-only account application information that has been validated, and the financial account information. It is characterized by comprising an account opening section 840 for opening and processing a financial account in the name of a customer.

When the validity of the currency exchange account application information is confirmed by the validity verification unit 820, the information generator 835 is based on the customer information, condition exchange rate information, option information included in the currency exchange account application information It characterized in that for generating the financial account information.

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

The account opening unit 840 generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information and provided), After generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, the cash exchange rate is increased in response to the application for exclusive use of currency exchange. It is characterized by opening a predetermined financial account for the applied currency exchange.

According to an embodiment of the present invention, when the financial institution server 800 and the financial system exist in the same system, the account opening unit 840 may link the financial account information to the ledger D / B in association with the financial system. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the financial institution server 800 and the financial system exist on another system connected through a predetermined communication means, the account opening unit 840 uses the predetermined communication means. It is preferable to request the ledger D / B on the other financial system to generate a predetermined ledger including the financial account information through the external system on the financial system.

Referring to FIG. 8, if the financial institution server 800 receives the exchange-only account application information received through the information receiving unit 815, the validity of the cash exchange rate is applied through the validity checking unit 820. And an information storage unit 845 for storing the exchange-only account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-only account application information for which the validity is verified, in a predetermined storage medium 850. It is characterized by comprising a).

When the validity of the exchange-only account application information is confirmed by the validity confirming unit 820, the information storage unit 845 stores the customer information, condition exchange rate information, and option information included in the exchange-only account application information. Currency exchange-only account information including at least one or more characterized in that the storage medium 850 is stored.

According to an exemplary embodiment of the present invention, when the storage medium 850 is provided in the financial institution server 800 or on the network associated with the financial institution server 800, the information storage unit 845 may be configured as the storage medium 850. Preferably, the storage medium 850 stores currency exchange account information including at least one of the customer information, condition exchange rate information, and option information included in the received currency exchange account application information.

According to another exemplary embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the information storage unit 845 includes the customer information included in the received currency exchange account application information. It is preferable that the exchange-only account information including at least one or more exchange rate information, option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Referring to FIG. 8, an electronic document which receives a predetermined currency exchange account electronic document from the financial institution server 800 provided on the currency exchange account opening system and stores and manages it in a predetermined electronic document D / B 875. The server 855 includes an electronic document receiving unit 860 for receiving a predetermined exchange-only account electronic document from the financial institution server 800 through a predetermined communication means, and the electronic document D for receiving the exchange-only account electronic document. An information generation unit 865 for generating predetermined electronic document management information for storage and management in the / B 875, and the electronic document management information and the exchange-only account electronic document by linking the predetermined electronic document D / It is characterized by comprising an electronic document storage unit 870 to be stored in the B (875).

The electronic document receiving unit 860 may receive an exchange-only account electronic document in the form of an image file or a document file from the financial institution server 800 through the communication means.

According to an embodiment of the present invention, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means is included in the exchange-only account application information received by the financial institution server 800 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document content including at least one of the following customer information, conditional exchange rate information, and option information. And at least one word processor file or web document file including MHT).

Alternatively, the exchange document electronic document received by the electronic document receiving unit 860 through the communication means is the customer information included in the exchange-only account application information received by the financial institution server 800 from the terminal device, condition exchange rate The watermarking method includes at least one of customer information, conditional exchange rate information, and option information included in the currency exchange account application information in a watermarking method in document content including at least one information and option information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files).

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and condition exchange rate information included in the exchange-only account application information received by the financial institution server 800 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one option information.

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and condition exchange rate information included in the exchange-only account application information received by the financial institution server 800 from the terminal device. Customer information included in the currency exchange account application information and condition exchange rate in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one option information. After at least one of the information and the option information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another embodiment of the present invention, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means is based on the exchange-only account application information received by the financial institution server 800 from the terminal device. A predetermined document file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, condition exchange rate information, and option information included. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and condition exchange rate information included in the exchange-only account application information received by the financial institution server 800 from the terminal device. Customer information included in the currency exchange account application information and condition exchange rate in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one option information. Generating an image content including at least one of information and option information by a watermarking method, and a document file (eg, a Portable Document Format (PDF) file) including the watermarking-containing image content, or EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, etc., or MHT Web document files, etc.) to be included.

According to another embodiment of the present invention, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means, the exchange-only account application information received by the financial institution server 800 from the terminal device. Image content (e.g., image content generated by capturing the document content on a memory) including the at least one customer information, condition exchange rate information, and option information included in the application and the exchange-only account application A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. File).

Alternatively, the exchange-only account electronic document received by the electronic document receiving unit 860 through the communication means may include customer information and condition exchange rate information included in the exchange-only account application information received by the financial institution server 800 from the terminal device. Customer information and conditions included in the currency exchange account application information in the image content (e.g., image content generated by capturing the document content on a memory) in which document content including at least one option information is captured. A document file including image information including at least one or more of exchange rate information and option information by a watermarking method, and the document file including the watermarking image content and the currency exchange account application information (eg, PDF). (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, etc. It comprises a web page file, and so on) that include the word-processor file, or MHT is preferred.

The information generating unit 865 is a predetermined electronic document unique number (or unique information) to be assigned to the exchange-only account electronic document received through the electronic document receiving unit 860, and through the electronic document receiving unit 860 And generating electronic document management information including electronic document storage date and time information including a date and time when the exchange-only account electronic document was received (or a date and time when the exchange-only account electronic document was stored).

According to an embodiment of the present invention, the information generating unit 865 refers to the exchange-only account electronics by referring to the financial institution server 800 that has transmitted the exchange-only account electronic document received through the electronic document receiving unit 860. It is preferable to identify the financial institution that has sent the document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800 through the electronic document receiving unit 860, the information generating unit 865 may receive the received electronic document. Document related information (e.g., customer information transmitted by inputting (selecting) the exchange-only account application information, financial institution information, or electronic document file format information for transmitting the exchange-only account electronic document, or application for the exchange-only account) It is preferable to generate electronic document management information further including information).

The electronic document storage unit 870 associates the electronic document management information generated through the information generation unit 865 with the exchange-only account electronic document received through the electronic document receiving unit 860 and performs a predetermined electronic document D. / B 875, characterized in that.

According to an exemplary embodiment of the present invention, the exchange-only account electronic document stored in the electronic document storage unit 870 in the electronic document D / B 875 is exchanged by the financial institution server 800 from the terminal device. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or a document file) containing document contents including at least one of customer information, conditional exchange rate information, and option information included in the application for the exclusive account. And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may be included in the exchange-only account application information received by the financial institution server 800 from the terminal device. Document information including at least one of customer information, conditional exchange rate information, and option information includes at least one or more of the customer information, conditional exchange rate information, and option information included in the currency exchange account application information in a watermarking manner. Then, a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing the document content including the watermarking, Or a web document file including the MHT).

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may be included in the exchange-only account application information received by the financial institution server 800 from the terminal device. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, conditional exchange rate information, and option information. It is preferable.

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may be included in the exchange-only account application information received by the financial institution server 800 from the terminal device. The image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, conditional exchange rate information, and option information. After at least one of the included customer information, conditional exchange rate information, and optional information is included in a watermarking method, 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 exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is received by the financial institution server 800 from the terminal device. Image content (eg, image content generated by capturing the document content on the memory) which captures document content including at least one of customer information, conditional exchange rate information, and option information included in the currency exchange account application information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise).

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may be included in the exchange-only account application information received by the financial institution server 800 from the terminal device. The image content (e.g., image content generated by capturing the document content on a memory) that captures document content including at least one of customer information, conditional exchange rate information, and option information. Create image content including at least one or more of the included customer information, conditional exchange rate information, and option information by a watermarking method, and include a document file (eg, a PDF file including the watermarking-containing image content). Word document file including at least one Portable Document Format (EDI) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc., or MHT It comprises a web page file, and so on), including preferred.

According to another exemplary embodiment of the present invention, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 is received by the financial institution server 800 from the terminal device. Image content capturing document content including at least one of customer information, conditional exchange rate information, and option information included in one currency exchange account application information (eg, image content generated by capturing the document content on a memory). And a predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) including at least one document file including the exchange-only account application information, or Web document file including MHT).

Alternatively, the exchange-only account electronic document stored in the electronic document D / B 875 by the electronic document storage unit 870 may be included in the exchange-only account application information received by the financial institution server 800 from the terminal device. Include in the exchange-only account application information in the image content (e.g., image content generated by capturing the document content on a memory) which captures document content including at least one of customer information, conditional exchange rate information, and option information. A document including image information including at least one or more of the customer information, condition exchange rate information, and option information by a watermarking method, and the image content including the watermarking and the currency exchange account application information. At least one file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or HWP / DOC). Is preferably a word processor file or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the electronic document dedicated to a currency exchange is the electronic currency dedicated account. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 875 by processing the electronic document storage unit 870 in association with the electronic document for currency exchange only is the currency exchange account. The financial institution server 800 which has transmitted the electronic document preferably further includes information on the financial institution which has transmitted the exchange-only account electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 800, the electronic document storage unit 870 processes the electronic document by linking with the electronic money exchange account document. The electronic document management information stored in the document D / B 875 may include the received electronic document-related information (for example, customer information transmitted by inputting (selecting) the exchange-only account application information, or the exchange-only account electronic document). Financial institution information, or electronic document file format information, or the exchange-only account application information, and the like) is preferably made.

FIG. 9 is a view showing an implementation method in which a storage medium 850 for storing exchange-only account information corresponding to a currency-only account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention. .

In more detail, in FIG. 9, when the storage medium 850 shown in FIG. 8 is provided in the ledger D / B in the DBMS on the financial system, or in the ledger D / B, it is provided in the ledger D / B. The information structure for one embodiment of the method of storing the exchange-only account information in the ledger information, if the person of ordinary skill in the art to which the present invention pertains, refer to this figure 9 or modified the ledger D Various information configuration methods for storing the exchange-only account information in / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 9 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is associated with a predetermined customer ledger, and the customer ledger and the currency exchange shown in Figure 8 The account ledger corresponding to the financial account opened through the dedicated account opening system and at least one information associated with the account ledger are shown to be included. If a person having ordinary knowledge in the technical field to which the present invention belongs, The ledger D / B provided in the DBMS on the financial system maintains at least one ledger (for example, a ledger, loan ledger, mortgage ledger, etc.) or the ledgers in addition to the customer ledger and the account ledger shown in FIG. And at least one additional information for management. Since it will be described, a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Including at least one 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 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 in a relational manner, and as a ledger corresponding to the financial account, account number (or securities number), CIF number, point number, currency, opening date, status, product type, interest rate, password, Balance, RBI balance 1, RBI balance 2, bank balance, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account number, withdrawal (months), period ( Number of days), periodical reception information including at least one period extension, expiration date, and target amount, or at least one account number corresponding to the account ledger, deposit amount, par value, pension date, and number of shares. Trust reception information, or account number, transaction number, date, store number, commodity type, transaction type, cash amount, other tickets, batch number, batch transaction, date of purchase, bank account Transaction history information including at least one of a line, a summary, a CIF, and the like.

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

According to an exemplary embodiment of the present invention, the storage medium 850 is the ledger D / B or the present invention including the implementation method provided in the ledger D / B. Currency exchange dedicated account information including at least one or more of the customer information, conditional exchange rate information, option information included in the exchange-only account application information provided through the dedicated account opening system is stored in the form of additional information added to the account ledger. It is done.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the currency exchange account application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It can be stored in the form of additional information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

10 is a storage medium 850 for storing exchange-only account information corresponding to a currency-only account opened in a non-face-to-face manner in accordance with another embodiment of the present invention linked with the ledger D / B provided in a DBMS on a financial system. A diagram showing an implementation method including a compiled database.

More specifically, FIG. 10 illustrates an information structure for an exemplary method in which the storage medium 850 illustrated in FIG. 8 includes a predetermined database linked to a ledger D / B provided in a DBMS on a financial system. As one of ordinary skill in the art to which the present invention pertains, various information configuration methods for referring to or modifying this drawing 10 and storing the exchange-only account information in a predetermined database in association with the ledger D / B and storing the information. Although it can be inferred, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 10, when it is not easy to store the exchange-only account information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, the ledger D / B of the DBMS). Is not easy to change, or the system is not easy to expand due to the characteristics of the financial system), the exchange-only account information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D / B It shows an implementation method for storing the linkage processing.

In addition, the database shown in FIG. 10 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 850 includes a database linked to the ledger D / B provided in the DBMS on the financial system, the database 10, the database is the currency exchange account application information And store currency exchange-only account information including at least one of the customer information, conditional exchange rate information, and option information included in the exchange information, wherein the exchange-only account information is processed to be linked to the ledger D / B. Preferably, the account information further includes a CIF number corresponding to the ledger information.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

11 is a view illustrating an implementation method including a DBMS provided with a banking server in a storage medium 850 for storing exchange-only account information corresponding to an exchange-only account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. Figure is shown.

More specifically, FIG. 11 shows a DBMS in which a storage medium 850 shown in FIG. 8 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, currency exchange is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 11 It is possible to infer a method of constructing information on account information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 850 includes a DBMS provided in a banking server. Referring to FIG. 11, a predetermined DBMS provided in the banking server is the exchange-only account application information. It is characterized in that for storing the exchange-only account information including at least one of the customer information, condition exchange rate information, option information included in the.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

12A and 12B are diagrams illustrating a process of opening a currency exchange-only account for currency exchange in which a cash exchange rate is applied in a non-face-to-face manner according to an exemplary embodiment of the present invention.

12A and 12B illustrate a web server function in which a terminal device on the system for opening a currency-only account shown in FIG. 8 is a client terminal, and the financial institution server 800 can access a client terminal through a predetermined network means. In the case of having a customer, a predetermined customer exchange exchange account application information including at least one or more customer information, conditional exchange rate information, option information through the client terminal to open a currency exchange account for exchange of cash exchange rate applied; When providing the exchange-only account for the exchange, the cash exchange rate is applied based on the exchange-only account application information that includes at least one of the customer information, condition exchange rate information, option information in the exchange-only account opening system. As for the practice of the present invention, the conventional art in the technical field to which the present invention belongs. If a person having the above, it will be able to infer various implementation methods for registering the exchange-only account application information from the client terminal to the financial company server 800 by referring to or modifying the drawings 12a and 12b, the present invention is It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

For example, although the method shown in FIGS. 12A and 12B includes a process of generating a predetermined electronic document corresponding to the exchange-only account application information and storing the electronic document in an electronic document storage, the above-described process is intended for those skilled in the art. As such, the present invention is not limited thereto.

12A and 12B provide a user interface through which the client terminal inputs (or selects) the exchange-only account application information through a predetermined web page provided by the financial institution server 800. Although illustrated as being received, when a predetermined information registration program is provided in the client terminal, the user interface may not be provided from the financial institution server 800, and the present invention is not limited thereto.

Hereinafter, in FIGS. 12A and 12B, the client terminal illustrated in FIG. 8 is referred to as a “terminal” for convenience, and the financial institution server 800 illustrated in FIG. 8 is referred to as a “server” for convenience. The customer information, conditional exchange rate information, and option information transmitted to the financial institution server 800 are referred to as "exchange-only account application information" for convenience.

12A and 12B, when the client terminal illustrated in FIG. 8 is a predetermined network means (eg, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, CDMA-based (or HSDPA-based) mobile communication network, or IEEE 802.16x-based portable Internet, or IEEE 802.11x-based wireless LAN, etc.) to connect to a predetermined communication channel and exchange the cash exchange rate for the exchange When requesting a web page including a user interface (1200), the server correspondingly inputs (or selects) exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. Generate (or extract) a webpage comprising a user interface for transmission to a network (1205), and through the network means And transmits to output the web page that contains (or extracted) user interface to the mobile station 1210.

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the procedure for registering the exchange-only account application information, whereby the present invention is not limited thereto. .

Subsequently, the terminal inputs (or selects) exchange-only account application information including at least one or more customer information, condition exchange rate information, and option information through the user interface included in the web page (1215).

If the terminal inputs (or selects) exchange-only account application information including the customer information, condition exchange rate information, and option information through the user interface (1220), the terminal inputs (or selects) through the communication channel. The selected customer information, condition exchange rate information, and option information are transmitted to the server (1225).

According to an embodiment of the present invention, the terminal is predetermined for confirming the validity of the exchange-only account application information in the server to the exchange-only account application information including at least one of the customer information, conditional exchange rate information, option information. It is preferable to further include at least one or more of the password or security card information or the OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method or a public key) for exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. Based encryption method, electronic envelope based encryption method, key exchange based encryption method, or the like), or by attaching a predetermined electronic signature to the exchange-only account application information and transmitting it to the server through the network means. Preferably, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, or has a predetermined certificate including at least one encryption key, or the certificate is a predetermined IC chip ( Or an IC card), an authorized person provided with the IC chip (or IC card). It is equipped with a card reader for identifying the document is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method or a public key) for exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. Based encryption method, or electronic envelope based encryption method, or key exchange based encryption method) and transmits the encrypted data to the server through the network means. For this purpose, the terminal includes at least one corresponding to the encryption method. The IC chip (or IC card) provided with an encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the exchange-only account application information, and technical features of attaching a predetermined electronic signature to the exchange-only account application 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 condition exchange rate information, and the option information through the communication channel to confirm the validity of the exchange-only account application information (1230).

According to an embodiment of the present invention, the exchange-only account application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received exchange-only account application information.

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

Those skilled in the art to which the present invention pertains check the technical features of the various decryption methods for decrypting the encrypted currency exchange account application information and the electronic signature attached to the currency exchange account application 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, if the received exchange-only account application information further includes a predetermined password for checking the validity of the exchange-only account application information, the server is included in the exchange-only account application information. By comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received exchange-only account application information.

Alternatively, if the received exchange-only account application information further includes a predetermined security card information for confirming the validity of the exchange-only account application information, the server is included in the exchange-only account application information received By comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received currency exchange account application information.

Alternatively, when the received exchange-only account application information further includes a predetermined OTP code for checking the validity of the exchange-only account application information, the server is included in the exchange-only account application information received received OTP It is preferable to authenticate the validity of the received exchange-only account application information by comparing and authenticating a code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, the validity check of the currency exchange account application information may include a financial system in which the customer information (customer personal information, member information, etc.) of the information included in the currency exchange account application information is linked to the currency exchange account opening system. It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking that a match is found.

If the validity of the exchange-only account application information is not authenticated (1235), the server generates a web page including the predetermined financial account error information and transmits it to the terminal (1240), opening the exchange-only account. Do not perform the procedure.

On the other hand, if the validity of the exchange-only account application information is authenticated (1235), the server generates predetermined document content including at least one or more customer information, conditional exchange rate information, and option information including the exchange-only account application information. In operation 1250, a predetermined currency exchange account electronic document including the document content is generated.

According to an embodiment of the present invention, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account application information, and includes the document content. The document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to process the exchange-only account electronic document for exchange with the exchange rate applied.

Alternatively, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account request information, and included in the currency exchange account request information in the document content. After including at least one or more information of the customer information, conditional exchange rate information, option information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT, etc.) as an exchange-only account electronic document for exchange of cash. It is preferable.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. It is preferable to process an image file including an image content generated by capturing the document content on a memory as an exchange-only account electronic document for exchange with the cash exchange rate.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. And at least one or more of the customer information, condition exchange rate information, and option information included in the currency exchange account request information in a watermarking method in the image content generated by capturing the document content on a memory. It is preferable to process an image file including the image content including watermarking as an exchange-only account electronic document for exchange of cash.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to process the exchange-only account electronic document for the exchange to which the cash exchange rate is applied.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. Image content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information in a watermarking method. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file including MHT) to exchange currency for the cash exchange rate. It is desirable to treat it as an electronic transfer account electronic document.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account application information, and the document content is stored. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) including captured image content (e.g., image content generated by capturing the document content on a memory) and the currency exchange account application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like. It is preferable to process.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. Image content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information in a watermarking method. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the watermarking-containing image content and the currency exchange account application information. Generating a word processor file including at least one or a web document file including an MHT; That exchange rates are treated as private accounts, electronic document exchange is preferably applied for.

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

Thereafter, the server stores the generated exchange-only account electronic document in a predetermined electronic document storage (1255).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 associated with a server on the currency exchange account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated exchange-only account electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on the DBMS provided in the exchange-only account opening system, the server stores the generated exchange-only account electronic document on the DBMS provided in the exchange-only account opening system. It is possible to store in the electronic document D / B 875 corresponding to the present invention, by which the present invention is not limited.

According to an embodiment of the present invention, storing the exchange-only account electronic document in the electronic document storage is performed by linking the generated exchange-only account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 875.

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

In addition, the electronic document management information preferably further comprises information of the financial institution that transmitted the exchange-only account electronic document.

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

If the exchange-only account electronic document is stored in the electronic document repository (1260), the server generates the financial account information based on the customer information, condition exchange rate information, option information included in the exchange-only account application information. (1265).

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time and payment amount information are further included.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the customer information, conditional exchange rate information, and option information included in the exchange-only account application information in connection with the financial system. (1270).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby corresponding to the cash exchange account application information. It is characterized in that the opening and processing of a predetermined financial account for exchange of currency applied.

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

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

Thereafter, the server generates exchange-exchange account information including at least one of the customer information, condition exchange rate information, and option information included in the exchange-exchange account application information and stores it in a predetermined storage medium 850 (1275).

According to an exemplary embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server includes the customer information included in the received currency exchange account application information. And it is preferable to store the exchange-only account information including at least one or more exchange rate information, option information in the storage medium (850).

According to another exemplary embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and condition exchange rate information included in the received exchange request information. It is preferable that the exchange-only account information including at least one option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined financial account opening history information (for example, the currency opening account opening history, the history of storing the currency exchange account electronic document in the electronic document storage, or the currency exchange dedicated storage medium 850). Details of storing the account application information) are generated (or extracted) and transmitted to the terminal (1280).

According to one embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

13A, 13B, and 13C are diagrams illustrating a process of opening an exchange-only account for exchange of cash exchange rates according to one embodiment of the present invention.

In more detail, FIGS. 13A, 13B, and 13C are examples of the case where the system for opening a currency exchange dedicated account shown in FIG. 8 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the currency exchange shown in FIG. 8). In the case where the financial institution server 800 on the account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits a predetermined exchange-only account application information to the Internet banking server to open a currency-only account for exchange with the cash exchange rate applied, the customer information and condition exchange rate in the Internet banking server. The cash exchange rate is applied based on the application information for the exchange-only account including at least one information and option information. It is an implementation method for opening and processing the exchange-only account for the transfer, and those of ordinary skill in the art to which the present invention pertains, other types of non-facing by referring to or modifying this drawing 13a, 13b and 13c Although various implementation methods for registering the exchange-only account application information may be inferred through the financial transaction channel, the present invention includes all the implementation methods inferred, and is illustrated in FIGS. 13A, 13B, and 13C. It is not limited to the method.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 13A, 13B, and 13C, the browser Although a method of connecting an internet banking-based financial transaction channel for registering exchange-only account application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains Referring to or modifying an Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 13A, 13B, and 13C, the client terminal and the Internet banking are based on a predetermined Internet banking program mounted on the client terminal. server In this regard, it is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering an exchange-only account application information, but the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 13a, 13b and 13c, The system or another banking system such as a wireless banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering exchange-only account application information. It includes all kinds of non-face-to-face channel based financial transactions including wireless banking system or TV banking system or future proposed non-face-to-channel banking system, and the technical configuration of the present invention is shown in FIGS. 13a, 13b and 13c. It is by no means limited to Internet banking.

In addition, although the method shown in FIGS. 13A, 13B, and 13C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of a person skilled in the art. The present invention is not limited thereby.

In the following FIGS. 13A, 13B, and 13C, the client terminal is referred to as "terminal" for convenience, and the Internet banking server corresponding to the financial institution server 800 is referred to as "server" for convenience.

Referring to FIGS. 13A, 13B, and 13C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1300a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1305a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1310a).

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

If a predetermined security module is mounted or updated in the terminal (1315a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1320a.

If the terminal does not need to install or update the latest version of the security module for internet banking (1325a), or if the terminal does not need to load or update the security module for internet banking (1315a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (1330a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the exchange-only account application information in the terminal. When a predetermined digital signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding 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 Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined electronic information to the information (or data) to be provided to the server to register the exchange-only account application information in the terminal Attach a signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1335a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1340a). In operation 1345a, the server (or authentication server) authenticates a customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1350a), the server blocks the internet banking security channel for the terminal (1355a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1350a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1360a), where Internet banking The underlying financial transaction channel refers to a communication channel for transmitting and registering predetermined exchange-only account application information for exchange with cash exchange rate applied from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for exchange of money applied with the cash exchange rate to the server through an internet banking-based financial transaction channel (1300b), the server responds to the customer information and condition exchange rate. Generate (or extract) a webpage including a user interface for inputting (or selecting) exchange-only account application information including at least one information and option information to the server (1305b), and based on the Internet banking The webpage including the generated (or extracted) user interface is transmitted to the terminal through the financial transaction channel and output (1310b).

According to an embodiment of the present invention, the web page preferably includes a user interface for inputting (or selecting) currency exchange account application information including at least one of customer information, conditional exchange rate information, and option information. Or a predetermined password or security card information (for example, a security card printed on a security card issued to a customer during an internet banking application process in order to confirm the validity of the Internet banking customer requesting to register the currency exchange account application information. Information) or one-time password (OTP) (e.g., a one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include an interface.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least one or more times according to the currency exchange account application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information through the financial account opening interface (1315b).

If the terminal receives (or selects) exchange-only account application information including the customer information, conditional exchange rate information, and option information through the user interface (1320b), the terminal receives the input through the financial transaction channel ( Or) transmits the exchange-only account application information to the server (1325b).

According to an embodiment of the present invention, the terminal is predetermined for confirming the validity of the exchange-only account application information in the server to the exchange-only account application information including at least one of the customer information, conditional exchange rate information, option information. It is preferable to further include at least one or more of the password or security card information or the OTP code generated through a predetermined one time password (OTP) generator to the server via the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method or a public key) for exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. Based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.), or attaching a predetermined electronic signature to the exchange-only account application information, and transmitting to the server through the network means. To this end, the terminal has at least one encryption key corresponding to the encryption scheme, or a predetermined certificate containing at least one encryption key, or the certificate is a predetermined IC chip (or IC card), the official authentication provided in the IC chip (or IC card) It is preferable that a card reader for checking the book is provided.

According to an embodiment of the present invention, the terminal includes at least one encryption method (for example, a symmetric key based encryption method or a public key) for exchange-only account application information including at least one of the customer information, condition exchange rate information, and option information. Based encryption method, or electronic envelope based encryption method, or key exchange based encryption method) and transmits the encrypted data to the server through the network means. For this purpose, the terminal includes at least one corresponding to the encryption method. The IC chip (or IC card) provided with an encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card). It is preferable that a card reader is provided for checking the official certificate provided in the.

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

Thereafter, the server receives and reads the exchange-only account application information through the financial transaction channel to check the validity of the exchange-only account application information (1330b).

According to an embodiment of the present invention, the exchange-only account application information is at least one encryption method (for example, symmetric key based encryption method, public key based encryption method, electronic envelope based encryption method, key exchange based encryption method, etc.) ), The server determines at least one decryption method (eg, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Method, or a key exchange based decryption method, etc.), it is preferable to authenticate the validity of the received exchange-only account application information.

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

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

According to an embodiment of the present invention, if the received exchange-only account application information further includes a predetermined password for checking the validity of the exchange-only account application information, the server is included in the exchange-only account application information. By comparing and authenticating the received password and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received exchange-only account application information.

Alternatively, if the received exchange-only account application information further includes a predetermined security card information for confirming the validity of the exchange-only account application information, the server is included in the exchange-only account application information received By comparing and authenticating the security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received currency exchange account application information.

Alternatively, when the received exchange-only account application information further includes a predetermined OTP code for checking the validity of the exchange-only account application information, the server is included in the exchange-only account application information received received OTP It is preferable to authenticate the validity of the received exchange-only account application information by comparing and authenticating a code and an OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS.

According to the method of the present invention, the validity check of the exchange-only account application information is at least one ledger information matching the exchange-only account application information on the ledger D / B on the financial system associated with the exchange-only account opening system It is preferable to include checking whether is registered.

For example, checking the validity of the currency exchange account application information is the financial system in which the customer information (customer personal information, member information, etc.) of the information contained in the currency exchange account application information is linked to the currency exchange account opening system It is preferably made to include matching with the customer ledger stored in the ledger D / B of the award.

In addition, the validity of the currency exchange account application information is confirmed by the account ledger stored in the ledger D / B of the banking system on the financial system associated with the currency exchange account opening system of the information contained in the currency exchange account application information; It is desirable to include checking that a match is found.

If the validity of the exchange-only account application information is not authenticated (1335b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (1340b), and the exchange-only account opening procedure Do not do it.

On the other hand, if the validity of the exchange-only account application information is authenticated (1335b), the server generates predetermined document content including at least one or more customer information, conditional exchange rate information, and option information including the exchange-only account application information. In operation 1345b, a predetermined currency exchange account electronic document including the document content is generated in operation 1350c.

According to an exemplary embodiment of the present invention, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and includes the document content. 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 process the exchange-only account electronic document for the exchange of cash exchange rates.

Alternatively, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account request information, and included in the currency exchange account request information in the document content. After including at least one or more information of the customer information, conditional exchange rate information, option information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT, etc.) as an exchange-only account electronic document for exchange of cash. It is preferable.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. It is preferable to process an image file including the document content (captured by capturing the document content on a memory) as an exchange-only account electronic document for exchange with the cash exchange rate.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. And at least one or more of the customer information, condition exchange rate information, and option information included in the currency exchange account request information in a watermarking method in the image content generated by capturing the document content on a memory. It is preferable to process an image file including the image content including watermarking as an exchange-only account electronic document for exchange of cash.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file) containing captured image content (e.g., image content generated by capturing the document content on a memory), or By generating a word processor file including at least one or more HWP / DOC or the like, or a web document file including the MHT), it is preferable to process the exchange-only account electronic document for the exchange to which the cash exchange rate is applied.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. Image content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information in a watermarking method. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) containing the image content including the watermarking. File, or a web document file including MHT) to exchange currency for the cash exchange rate. Be treated as private accounts, electronic documents are preferred.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information, conditional exchange rate information, and option information included in the received currency exchange account application information, and the document content is stored. A predetermined document file (e.g., a Portable Document Format (PDF) file, or EDI) including captured image content (e.g., image content generated by capturing the document content on a memory) and the currency exchange account application information. (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT), and the like. It is preferable to process.

Alternatively, the server generates document content including at least one of customer information, condition exchange rate information, and option information included in the received currency exchange account application information, and captures the image content (eg, captured) of the document content. Image content including at least one of customer information, condition exchange rate information, and option information included in the exchange-only account application information in a watermarking method. A document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the watermarking-containing image content and the currency exchange account application information. Generating a word processor file including at least one or a web document file including an MHT; That exchange rates are treated as private accounts, electronic document exchange is preferably applied for.

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

Thereafter, the server stores the generated exchange-only account electronic document in a predetermined electronic document storage (1355c).

As shown in FIG. 8, the electronic document repository includes a predetermined electronic document server 855 and an electronic document D / B 875 associated with a server on the currency exchange account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated exchange-only account electronic document to the electronic document server 855 via the communication means to store in the electronic document D / B (875).

Alternatively, when the electronic document storage is provided on the DBMS provided in the exchange-only account opening system, the server stores the generated exchange-only account electronic document on the DBMS provided in the exchange-only account opening system. It is possible to store in the electronic document D / B 875 corresponding to the present invention, by which the present invention is not limited.

According to an embodiment of the present invention, storing the exchange-only account electronic document in the electronic document storage is performed by linking the generated exchange-only account electronic document with predetermined electronic document management information. It is preferable to include storing in the document D / B 875.

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

In addition, the electronic document management information preferably further comprises information of the financial institution that transmitted the exchange-only account electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the exchange-only account application information, or financial institution information transmitting the exchange-only account electronic document, or electronically). Document file format information, or the currency exchange account application information).

If the exchange-only account electronic document is stored in the electronic document storage (1360c), the server generates the financial account information based on the customer information, condition exchange rate information, option information included in the exchange-only account application information. (1365c).

Here, the financial account information includes an account number, interest rate information, deposit currency information, applicable interest rate information, exchange rate preferential information, and cash fee information corresponding to the currency exchange account opened based on the currency exchange account application information. Preferably, when the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period further includes a predetermined subscription period, payment date and payment amount information.

Thereafter, the server opens and processes a financial account of the customer's name including the financial account information based on the customer information, conditional exchange rate information, and option information included in the exchange-only account application information in connection with the financial system. (1370c).

According to an embodiment of the present invention, the server generates a customer ledger including customer information included in the financial account opening application information in connection with the financial system (or checks the customer ledger that is matched with the customer information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, thereby corresponding to the cash exchange account application information. It is characterized in that the opening and processing of a predetermined financial account for exchange of currency applied.

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

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

Thereafter, the server generates exchange-only account information including at least one of the customer information, conditional exchange rate information, and option information included in the exchange-only account application information and stores it in a predetermined storage medium 850 (1375c).

According to an exemplary embodiment of the present invention, when the storage medium 850 is provided in the server or on a network associated with the server, the server includes the customer information included in the received currency exchange account application information. And it is preferable to store the exchange-only account information including at least one or more exchange rate information, option information in the storage medium (850).

According to another exemplary embodiment of the present invention, when the storage medium 850 is provided in a DBMS provided on a financial system, the server includes the customer information and condition exchange rate information included in the received exchange request information. It is preferable that the exchange-only account information including at least one option information is provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

Thereafter, the server may provide predetermined financial account opening history information (for example, the currency opening account opening history, the history of storing the currency exchange account electronic document in the electronic document storage, or the currency exchange dedicated storage medium 850). The details of storing the account application information) are generated (or extracted) and transmitted to the terminal (1380c).

According to one embodiment of the present invention, the storage medium 850 is preferably provided in a DBMS on a financial system provided on the exchange-only account opening system (or associated with the exchange-only account opening system). At this time, the storage medium 850 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 850 is provided on (or associated with) an exchange-only account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

FIG. 14 is a diagram illustrating a system of registering face-to-face exchange information for exchange using a currency exchange account according to an embodiment of the present invention.

More specifically, FIG. 14 shows the conditional exchange rate information and the option information after opening the exchange-only account in the process of opening the exchange-only account for the exchange of cash exchange rate through the account opening system shown in FIG. 1 or FIG. In order to exchange money using the exchange-only account, the customer who opened the exchange-only account in order to exchange money using the exchange-only account through a predetermined information registration interface registers the exchange information including at least one or more information. When the application information is provided, the exchange information registration system processes the customer information, condition exchange rate information, and option information included in the provided exchange information registration application information in connection with exchange information for account information, and stores it in a predetermined storage medium 1430. As a system configuration to those skilled in the art to which the present invention pertains By referring to or modifying this drawing 14, various implementation methods for the configuration of a currency exchange information registration system for exchange using an exchange-only account may be inferred. However, the present invention includes all the implementation methods inferred from the above figure. It is not limited only to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the exchange information registration request information provided from the customer on the storage medium 1430 on the exchange information registration system shown in FIG. 14 through a predetermined information registration interface. The component to be referred to as "information registration server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, a currency exchange information registration system for currency exchange using the exchange-only account includes an information registration terminal including a counter terminal provided in at least one financial institution branch. The information registration terminal is connected to an information registration server 1400 provided on the currency exchange information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for registration of exchange information using the exchange-only account, and exchanges currency (or through a cashier) through a window provided at the financial institution branch. When a prescribed application for currency exchange using an account (for example, a document with a form for filling in at least one information item for currency exchange using a currency exchange account) is prepared, and the completed application is submitted to the clerk, The teller enters (or selects) the information entered in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information provided on the exchange information registration system through the financial network. It is preferable to transmit to the information registration server 1400.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 1400 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the financial network connecting the window terminal and the information registration server 1400 comprises a branch network connecting the communication channel between the window terminal and the information registration server 1400. desirable.

In the exchange information registration system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 1400 are used by the customer. Performs the function of the information registration interface for registering the exchange information registration application information for the exchange using.

The storage medium 1430 provided on the currency exchange information registration system according to the present invention is linked to the customer information, condition exchange rate information, and option information included in the exchange information registration request information provided from the information registration terminal. Characterized in that it is stored in the storage medium 1430, the exchange information registration request information including at least one of the customer information, condition exchange rate information, option information stored in the storage medium 1430 using the exchange-only account It is used for currency exchange.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information of the customer (e.g., a customer provided on the financial system associated with the exchange-only account opening system in response to the customer by the customer signing up as a financial transaction customer of the financial institution). At least one member ID information, CIF (Customer Information File), etc.) provided in the ledger is preferably included.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more pieces of information on automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically entered at the time of withdrawing the exchanged currency through the opened exchange-only account. It is preferable to comprise.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to one embodiment of the invention, the storage medium 1430 is preferably provided in a DBMS on a financial system provided on the exchange information registration system (or associated with the exchange information registration system), wherein the storage medium 1430 The storage medium 1430 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1430 may be an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the currency exchange information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 1400 provided on the exchange information registration system according to the present invention is a generic term for the exchange information registration system side component connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 1400 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 1400 is characterized in that it comprises an interface unit 1405 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 1405 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 14, the information registration server 1400 is connected to the interface unit 1405 after a predetermined information registration terminal connects a communication channel with the information registration server 1400 through the interface unit 1405. An interface provider 1410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined exchange information registration request information from the information registration terminal in association with the information registration terminal; An information receiving unit 1415 receiving predetermined exchange information registration request information transmitted from the information registration terminal (or selected) and transmitted from the information registration terminal through the user interface, and the received exchange information registration Validation unit 1420 for checking the validity of the application information, the customer information contained in the exchange information registration application information is confirmed validity, condition exchange rate And an information storage unit 1425 for storing the information and the option information in a predetermined storage medium 1430.

The interface providing unit 1410 connects a communication channel with the information registration server 1400 through the interface unit 1405 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) currency exchange information registration application information and transmit it to the information registration server 1400 through the financial network, or extract from a predetermined database (not shown), The user interface generated in conjunction with the unit 1405 may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the exchange information registration request information to the information registration terminal and transmitting the information to the information registration server 1400 through the financial network. If the information registration program is provided, the interface providing unit 1410 for providing the user interface to the information registration terminal may be omitted, thereby not limited to the present invention.

Thereafter, the information registration terminal inputs (or selects) exchange information registration request information including at least one of the customer information, condition exchange rate information, and option information based on the user interface, and the input (or selection) exchanges. Information registration application information is transmitted to the information registration server 1400 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 1410 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 1405.

The information receiving unit 1415 inputs (or selects) exchange information registration request information including at least one of customer information, condition exchange rate information, and option information through the user interface through the user interface, and transmits the same through the financial network. Then, the exchange information registration request information is received in conjunction with the interface unit 1405, and provides the received exchange information registration request information to the validity check unit 1420.

The validity check unit 1420 is characterized by checking whether the exchange information registration request information received from the information registration terminal satisfies the validity for the exchange using the exchange-only account.

According to an embodiment of the present invention, the validity check of the exchange information registration application information is at least one or more ledger information matching the exchange information registration application information in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include checking whether it is registered.

For example, the validity check of the exchange information registration application information confirms whether the customer information included in the exchange information registration application information matches the customer ledger stored in the ledger D / B on the financial system linked to the exchange information registration system. It is preferable that it consists of including.

In addition, the validity check of the exchange information registration application information to check whether the account information included in the exchange information registration application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include what is included.

When the validity of the currency exchange information registration application information is confirmed, the information storage unit 1425 performs a process of linking the customer information, condition exchange rate information, and option information included in the currency exchange information registration application information to the storage medium 1430. When the storage medium 1430 is provided in the information registration server 1400 or on the network associated with the information registration server 1400, the information storage unit 1425 is stored. The customer information, condition exchange rate information, and option information included in the received exchange information registration application information may be stored in the storage medium 1430 by cooperatively processing the storage medium 1430 provided on a financial system. When provided in the DBMS, the information storage unit 1425 is configured to transfer the customer information, conditional exchange rate information, and option information included in the received exchange information registration request information into an information system through an external system on the financial system. The ball is preferably stored in a DBMS provided on the financial system.

15 is a view showing the configuration of the exchange information registration application information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the exchange using the exchange-only account according to an embodiment of the present invention.

More specifically, in FIG. 15, when the storage medium 1430 shown in FIG. 14 is a ledger D / B provided in a DBMS on a financial system, the customer information and condition exchange rate are included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method for storing exchange information registration request information including information and option information is shown. If a person having ordinary knowledge in the art to which the present invention pertains is referred to or modified with reference to FIG. Various information construction methods for storing the exchange information registration application information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. No.

Referring to FIG. 15 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one or more information associated with the account ledger. B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is, and because you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes 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 Figure 15, the exchange information registration application information provided through the exchange information registration system shown in Figure 14 is stored in the form of additional information added to the account ledger, the exchange information registration application information is the customer And at least one of information, conditional exchange rate information, and option information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the exchange information registration application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of additional information or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

16 is a view showing the configuration of the exchange information registration application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for exchange using a currency exchange account according to another embodiment of the present invention to be.

More specifically, FIG. 16 illustrates an information structure of an exemplary embodiment in which the storage medium 1430 illustrated in FIG. 14 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the exchange information registration application information in association with the ledger D / B and storing the exchange information registration information in a predetermined database by referring to or modifying the drawing 16. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 16, when it is not easy to store the exchange information registration application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / If it is not easy to change B or system expansion is not easy due to the characteristics of the financial system), the exchange information registration application information is stored in a predetermined database instead of the ledger D / B, and the database and the ledger D The implementation method of linking and storing / B is shown.

In addition, the database shown in FIG. 16 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 16, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 16, the database stores and stores the customer information, condition exchange rate information, and option information included in the exchange information registration application information, and the exchange information registration application information is stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the exchange information registration application information in order to be processed in conjunction with.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

17 is a view showing the configuration of the exchange information registration application information stored in the DBMS provided in the banking server in a face-to-face manner for exchange using a dedicated currency exchange account according to another embodiment of the present invention.

In more detail, FIG. 17 illustrates a DBMS in which a storage medium 1430 shown in FIG. 14 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, currency exchange information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 17. It is possible to infer a method of constructing information on registration application information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 17, a predetermined DBMS provided in the banking server may store and store customer information, condition exchange rate information, and option information included in the exchange information registration application information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in the exchange transaction through the exchange-only account opened.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

18 is a diagram illustrating a process of registering exchange information registration application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates a case where the information registration server 1400 on the currency exchange information registration system shown in FIG. 14 has a ledger server (not shown) function on a financial system linked to a counter terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server 1400 to connect a communication channel for registering exchange information according to the present invention, and then the customer information to the information registration server 1400 through the communication channel, When the exchange information registration request information including condition exchange rate information and option information is transmitted, the information registration server 1400 processes customer information, condition exchange rate information, and option information included in the received exchange information registration request information. To a predetermined storage medium 1430, and those skilled in the art to which the present invention pertains, refer to or modify this figure 18 Although it is possible to infer various implementation methods for registering the exchange information registration application information with the information registration server 1400 at the window terminal, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Hereinafter, in Fig. 18, the window terminal shown in Fig. 14 is referred to as " terminal " for convenience, and the information registration server 1400 shown in Fig. 14 is referred to as " server " for convenience, and the information is registered in the window terminal. The customer information, condition exchange rate information, and option information transmitted to the server 1400 are referred to as "exchange information registration application information" for convenience.

Referring to FIG. 18, the teller terminal shown in FIG. 14 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the exchange information registration application information, and uses the currency exchange account. When requesting registration of the exchange information registration application information for exchange (1800), the server generates (or extracts) a predetermined information registration interface for registering the exchange information registration application information (1805), and establishes the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1810).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) exchange information registration request information including at least one of the customer information, condition exchange rate information, and option information in the terminal. It is preferable.

Thereafter, the terminal inputs (or selects) exchange information registration request information including at least one or more customer information, condition exchange rate information, and option information through the information registration interface (1815).

If the terminal inputs (or selects) exchange information registration request information including the customer information, condition exchange rate information, and option information through the information registration interface (1820), the terminal receives the input ( Alternatively, the exchange information registration request information including the selected customer information, condition exchange rate information, and option information is transmitted to the server (1825).

Thereafter, the server receives and reads the customer information, condition exchange rate information, and option information through the financial network to confirm the validity of the exchange information registration request information (1830).

According to an embodiment of the present invention, the validity check of the exchange information registration application information is at least one or more ledger information matching the exchange information registration application information in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include checking whether it is registered.

For example, the validity check of the exchange information registration request information confirms whether the customer information included in the exchange information registration application information matches the customer ledger stored in the ledger D / B on the financial system linked to the exchange information registration system. It is preferable to include what is included.

In addition, the validity check of the exchange information registration application information to check whether the account information included in the exchange information registration application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include what is included.

If the validity of the exchange information registration request information is not authenticated (1835), the server generates predetermined information registration error information and transmits the information to the terminal (1840), and registers the information corresponding to the exchange information registration request information. Do not perform the procedure.

On the other hand, if the validity of the currency exchange information registration application information is authenticated (1835), the server performs an information registration procedure corresponding to the currency exchange information registration application information, thereby linking the customer information, condition exchange rate information, and option information. The storage is stored in a predetermined storage medium 1430 (1845).

According to one embodiment of the invention, the storage medium 1430 is preferably provided in a DBMS on a financial system provided on the exchange information registration system (or associated with the exchange information registration system), wherein the storage medium 1430 The storage medium 1430 may be ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1430 may be an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the currency exchange information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1850), thereby completing the procedure of registering the exchange information registration application information transmitted from the terminal.

19 is a diagram illustrating a non-face-to-face exchange information registration system for exchange using a currency exchange account according to another embodiment of the present invention.

In more detail, Figure 19 shows the condition exchange rate information and option information after opening the exchange-only account in the process of opening the exchange-only account for the exchange of cash exchange rate is applied through the account opening system shown in FIG. In order to exchange money using the exchange-only account, the customer who opened the exchange-only account in order to exchange money using the exchange-only account through a predetermined information registration interface registers the exchange information including at least one or more information. When providing the application information, the exchange information registration system for processing the customer information, condition exchange rate information, option information included in the provided exchange information registration application information in association with the system configuration for storing in a predetermined storage medium 1930 As those skilled in the art to which the present invention pertains, see FIG. It will be possible to infer various implementation methods for the configuration of the exchange information registration system for currency exchange using the exchange-only account by modifying, but the present invention includes all the implementation methods inferred, and limited to only the implementation method shown in FIG. Not.

Hereinafter, at least one means or function configuration for storing the exchange information registration request information provided from the customer in the storage medium 1930 on the exchange information registration system shown in FIG. 19 through a predetermined information registration interface. The component corresponding to the term " information registration server 1900 "

Referring to FIG. 19 according to an embodiment of the present invention, a currency exchange information registration system for exchange using the exchange-only account includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 1900 provided on the exchange information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer accesses the information registration server 1900 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When the exchange information registration application information for exchange using the exchange-only account is input (or selected) through at least one user interface provided by the registration server 1900, the client terminal exchanges the exchange information through a predetermined network means. It is preferable to transmit to the information registration server 1900 provided on the registration system.

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 1900 connected to the client terminal is either an internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and the network means, or the information registration. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 1900 may be a CDMA based mobile communication network, an IEEE 802.16x based mobile Internet, or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 1900, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 1900. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 1900) is provided.

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

In the exchange information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the information registration server 1900. The communication network performs a function of an information registration interface for the customer to register exchange information registration application information for exchange using the exchange-only account.

According to another exemplary embodiment of the present invention, the information registration terminal, 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 (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the exchange information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown) and the information registration server ( The financial network connecting 1900 performs a function of an information registration interface for registering the exchange information registration application information for the customer to exchange money using the exchange-only account, or the information registration terminal is connected to the call terminal (not shown). ), A wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1900 to exchange currency information for the customer to exchange money using the exchange-only account. Performs a function of an information registration interface for registering the registration application information, or the organization associated with the financial institution that is the information registration terminal In the case of a non-provided terminal (or server) (not shown), a network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 1900 may be provided by the customer. It performs a function of the information registration interface for registering the exchange information registration application information for the exchange using the exchange-only account.

The storage medium 1930 provided on the currency exchange information registration system according to the present invention is predetermined by linking the customer information, condition exchange rate information, and option information included in the exchange information registration application information provided from the information registration terminal. Characterized in that it is stored in the storage medium 1930, the exchange information registration application information including at least one or more of the customer information, condition exchange rate information, option information stored in the storage medium 1930 is using the exchange-only account It is used for currency exchange.

The customer information includes personal information of a customer who opens a predetermined currency exchange account through a currency exchange account opening system shown in FIG. 1 or 8 (for example, the name, resident registration number, address, telephone number, mobile phone number, and e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to an embodiment of the present invention, the storage medium 1930 is preferably provided in a DBMS on a financial system provided on the exchange information registration system (or associated with the exchange information registration system). The storage medium 1930 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the currency exchange information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 1900 provided on the exchange information registration system according to the present invention is a generic term for the exchange information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 1900 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1900 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1900 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 1900 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 1900 is characterized by comprising an interface unit 1905 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1905 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1900, the interface unit 1905 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1905 is based on the protocol stack defined in the wireless communication network. It is desirable to provide a communication interface for connecting at least one communication channel with a 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) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1905 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a 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 information registration server 1900, the interface unit 1905 may be connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 1905 is based on the protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel and a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1905 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 1905 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1905 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 19, the information registration server 1900 is connected to the interface unit 1905 after a predetermined information registration terminal connects a communication channel with the information registration server 1900 through the interface unit 1905. An interface provider 1910 that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined exchange information registration request information from the information registration terminal in association with the information registration terminal; An information receiving unit 1915 for receiving predetermined exchange information registration request information input (or selected) and transmitted from the information registration terminal through the user interface in cooperation with the interface unit 1905, and the received exchange information registration An information storage unit 1925 for processing the customer information, condition exchange rate information, and option information included in the application information in a predetermined storage medium 1930 and Characterized in that made.

The interface providing unit 1910 connects a communication channel with the information registration server 1900 through the interface unit 1905 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) exchange information registration request information and transmitting it to the information registration server 1900 via the network means, or extracting from a predetermined database (not shown), In operation 1905, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) exchange information registration request information including at least one of the customer information, condition exchange rate information, and option information based on the user interface, and the input (or selection) exchanges. Information registration application information is transmitted to the information registration server 1900 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 1910 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1905.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface providing unit 1910 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the user interface, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 1905.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1910 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1905.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1910 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1905. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1910 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1905.

According to another embodiment of the present invention, a predetermined having at least one user interface for inputting (or selecting) the exchange information registration request information to the information registration terminal and transmitting the information to the information registration server 1900 through the network means. If the information registration program is provided, the interface providing unit 1910 for providing the user interface to the information registration terminal may be omitted, thereby not limited to the present invention.

The information receiving unit 1915 inputs (or selects) exchange information registration request information including at least one of customer information, condition exchange rate information, and option information from the information registration terminal and transmits the same through the network means. Then, the exchange information registration request information is received in conjunction with the interface unit 1905, and provides the received exchange information registration request information to the validity verification unit 1920.

The validity verification unit 1920 is characterized in that whether the exchange information registration application information received from the information registration terminal satisfies the validity for the exchange using the exchange-only account.

According to the method of the present invention, the validity check of the exchange information registration application information is at least one or more ledger information matching the exchange information registration application information in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include checking whether it is registered.

For example, the validity check of the exchange information registration request information confirms whether the customer information included in the exchange information registration application information matches the customer ledger stored in the ledger D / B on the financial system linked to the exchange information registration system. It is preferable to include what is included.

In addition, the validity check of the exchange information registration application information to check whether the account information included in the exchange information registration application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include what is included.

When the validity of the currency exchange information registration request information is confirmed, the information storage unit 1925 processes the customer information, condition exchange rate information, and option information included in the currency exchange information registration request information to the storage medium 1930. When the storage medium 1930 is provided in the information registration server 1900 or on the network associated with the information registration server 1900, the information storage unit 1925 The customer information, condition exchange rate information, and option information included in the received exchange information registration application information may be stored in the storage medium 1930 by cooperatively processing the storage medium 1930. When provided in the DBMS, the information storage unit 1925 transfers the customer information, conditional exchange rate information, and option information included in the received exchange information registration request information into an information system through an external system on the financial system. The ball is preferably stored in a DBMS provided on the financial system.

20 is a view showing the configuration of the exchange information registration application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for the exchange using the exchange-only account according to an embodiment of the present invention.

In more detail, in FIG. 20, when the storage medium 1930 illustrated in FIG. 19 is a ledger D / B provided in a DBMS on a financial system, the customer information and condition exchange rate may be included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method for storing exchange information registration request information including information and option information is shown. If a person having ordinary knowledge in the art to which the present invention pertains is referred to or modified with reference to FIG. Various information construction methods for storing the exchange information registration application information in the ledger D / B may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG. No.

Referring to Figure 20 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a ledger, mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes 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. 20, the exchange information registration application information provided through the exchange information registration system shown in FIG. 19 is stored in the form of additional information added to the account ledger. And at least one of information, conditional exchange rate information, and option information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the exchange information registration application information is stored in the form of information included in the account ledger (not shown), or is added to another ledger other than the account ledger (for example, a customer ledger). It may be stored in the form of additional information or in the form of information included in other ledgers (eg, customer ledgers) other than the account ledger, and thus the present invention is not limited thereto.

Figure 21 shows the configuration of the exchange information registration application information stored in the database associated with the ledger D / B provided in the DBMS on the financial system in a non-face-to-face for the exchange using the exchange-only account in accordance with another embodiment of the present invention Drawing.

More specifically, FIG. 21 shows an information structure of an embodiment in which the storage medium 1930 shown in FIG. 19 is stored in a predetermined database linked to the ledger D / B provided in a DBMS on a financial system. As those skilled in the art to which the present invention pertains, various information configurations for storing the exchange information registration application information in association with the ledger D / B and storing the exchange information registration information in a predetermined database by referring to or modifying the drawing 21. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 21, when it is not easy to store the exchange information registration application information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D / If it is not easy to change B, or the system is not easy to expand due to the characteristics of the financial system), the exchange information registration application information is stored in a predetermined database instead of the ledger D / B, and the database and the director The implementation method of linking and storing D / B is illustrated.

In addition, the database shown in FIG. 21 does not have to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 21, and a database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 21, the database may store and store the customer information, condition exchange rate information, and option information included in the exchange information registration request information, and the exchange information registration request information may be stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the exchange information registration application information in order to be processed in conjunction with.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (for example, the name, resident registration number, address, telephone number, mobile phone number, and e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

22 is a view showing the configuration of the exchange information registration application information stored in the DBMS provided in the banking server in a non-face-to-face manner for exchange using a dedicated currency exchange account according to another embodiment of the present invention.

More specifically, FIG. 22 illustrates a DBMS in which a storage medium 1930 illustrated in FIG. 19 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, currency exchange information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 22. It is possible to infer a method of constructing information on registration application information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 22, a predetermined DBMS provided in the banking server may store and store customer information, condition exchange rate information, and option information included in the exchange information registration application information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one or more futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

FIG. 23 is a diagram illustrating a process of registering exchange information registration application information in a non-face-to-face manner for exchanging money using a currency exchange account according to an embodiment of the present invention.

In more detail, FIG. 23 shows a case where the information registration server 1900 on the currency exchange information registration system shown in FIG. 19 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 1900 and connecting a communication channel for registering exchange information according to the present invention, the customer information, condition exchange rate information, option information to the information registration server 1900 through the communication channel When the exchange information registration request information including the transmission information, the information registration server (1900) by linking the customer information, condition exchange rate information, option information included in the received exchange information registration request information in a predetermined storage medium ( 1930, a person having ordinary skill in the art to which the present invention pertains refers to or modified with reference to FIG. Although various implementation methods for registering the exchange information registration application information may be inferred from the client terminal to the information registration server 1900, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Hereinafter, in FIG. 23, the client terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the information registration server 1900 shown in FIG. 19 is called "server" for convenience, and the information is registered in the client terminal. The customer information, condition exchange rate information, and option information transmitted to the server 1900 are referred to as "exchange information registration application information" for convenience.

Referring to FIG. 23, the client terminal illustrated in FIG. 19 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based). Access the server through a mobile communication network or an IEEE 802.16x based portable Internet, etc., connect a predetermined communication channel for registering the exchange information registration application information, and register the exchange information for exchange using the exchange-only account. When requesting registration of application information (2300), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the exchange information registration application information (2305), and generates the information through the communication channel. (Or extracted) the web page is transmitted to the terminal and output (2310).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) exchange information registration request information including at least one of the customer information, condition exchange rate information, and option information in the terminal. It is preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the exchange information registration application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) exchange information registration request information including at least one or more customer information, condition exchange rate information, and option information through the information registration interface (2315).

If the terminal inputs (or selects) exchange information registration request information including the customer information, conditional exchange rate information, and option information through the information registration interface (2320), the terminal receives the input through the communication channel ( Alternatively, the selected customer information, condition exchange rate information, and option information are transmitted to the server (2325).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, conditional exchange rate information, and option information to the server through the communication channel may be inputted (or selected) through the information registration interface. The information registration request information may be made by transmitting a digital signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information, condition exchange rate information, and option information through the communication channel to check the validity of the exchange information registration request information (2330).

According to the implementation method of the present invention, confirming the validity of the exchange information registration request information, the exchange information registration request information is electronic signature or encrypted through the security module provided in the terminal, the exchange information registration request Decrypting the information, or may further comprise decoding the money exchange information registration application information.

According to an embodiment of the present invention, the validity check of the exchange information registration application information is at least one or more ledger information matching the exchange information registration application information in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include checking whether it is registered.

For example, the validity check of the exchange information registration request information confirms whether the customer information included in the exchange information registration application information matches the customer ledger stored in the ledger D / B on the financial system linked to the exchange information registration system. It is preferable to include what is included.

In addition, the validity check of the exchange information registration application information to check whether the account information included in the exchange information registration application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include what is included.

If the validity of the exchange information registration application information is not authenticated (2335), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2340), and the exchange information registration application information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the exchange information registration request information is authenticated (2335), the server performs an information registration procedure corresponding to the exchange information registration request information, thereby linking the customer information, condition exchange rate information, and option information. It is stored in the predetermined storage medium 1930 (2345).

According to an embodiment of the present invention, the storage medium 1930 is preferably provided in a DBMS on a financial system provided on the exchange information registration system (or associated with the exchange information registration system). The storage medium 1930 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the currency exchange information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (2350), thereby completing the procedure of registering the exchange information registration application information transmitted from the terminal.

24A and 24B illustrate a process of registering exchange information registration application information in a non-face-to-face manner for exchanging money using a dedicated currency exchange account according to another exemplary embodiment of the present invention.

More specifically, FIGS. 24A and 24B illustrate a case in which the exchange information registration system shown in FIG. 19 is realized through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal sends predetermined exchange information registration application information for exchange using a dedicated currency exchange account to the Internet banking server. When the exchange information registration request information including customer information, condition exchange rate information, and option information is transmitted, the customer information, condition exchange rate information, and option information included in the received exchange information registration request information is received from the information registration server 1900. As an embodiment of the present invention relates to an embodiment of the present invention, the present invention relates to a predetermined storage medium 1930. If one of ordinary skill in the art, by referring to or modifying the drawings 24a and 24b it can be inferred from various implementation methods for registering the exchange information registration application information from the client terminal to the information registration server (1900) The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 24A and 24B.

That is, in FIG. 24A and FIG. 24B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering exchange information registration application information between the client terminal and the Internet banking server is illustrated, the present invention is a person skilled in the art. Currency exchange information between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 24A and 24B. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 24a and 24b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering exchange information registration application information may be inferred, but the present invention may provide a telebanking system or a wireless banking system. Or all types of non-face-to-face channel-based financial transactions, including TV banking systems or future proposed non-face-to-channel banking systems, the technical configuration of the present invention being limited to the case of the Internet banking shown in FIGS. 24A and 24B. It never happens.

In the following Figures 24a and 24b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1900 is referred to as " server " for convenience.

24A and 24B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2400a), the server communicates between the terminal and the server through the browser. (2405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal by generating (or extracting) a predetermined web page, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2410a).

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

If a predetermined security module is mounted or updated in the terminal (2415a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2420a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2425a), or if the terminal does not need to load or update the Internet banking security module (2415a), the server is mounted on the terminal. By activating the Internet banking security module, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (2430a), where the security channel for Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the exchange information registration application information in the terminal When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program ( Or a predetermined digital signature attached to the data) or provided by encrypting with at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by the decryption method (or decryption algorithm) of the information, and the predetermined information to the information (or data) to be provided to the server to register the exchange information registration application information in the terminal Attach an electronic signature or at least one encryption room (Or an encryption algorithm) to transmit the data, the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel to be.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2435a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, and requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module and transmitting the encrypted data to the server (or certificate server) (2440a). In operation 2445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2450a), the server blocks the Internet banking security channel for the terminal (2455a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2450a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2460a), where the Internet banking based The financial transaction channel refers to a communication channel that can transmit and register predetermined exchange information registration application information for exchange using a currency exchange account from the terminal to the server.

Subsequently, when the terminal requests internet banking based exchange information registration application information registration to the server through the inter-banking-based financial transaction channel to register exchange information registration application information (2400b), the server requests the exchange information registration. Generating (or extracting) a web page corresponding to a predetermined information registration interface for information registration (2405b), and transmitting the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel; Output 2410b.

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) exchange information registration request information including at least one of customer information, condition exchange rate information, and option information in the terminal. Or a predetermined password (eg, an account password, etc.) or security code (eg, an internet banking application) to confirm the validity of the Internet banking customer requesting registration of the currency exchange information registration application information or the currency exchange information registration application information. The security code printed on the security card issued to the customer during the process or the OTP (One Time Password) (for example, the internet banking application process (or after the internet banking application). ) Further includes an interface for inputting a one-time password generated through Preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the exchange information registration application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) exchange information registration request information including at least one of the customer information, condition exchange rate information, and option information through the information registration interface (2415b).

If the terminal inputs (or selects) exchange information registration request information including the customer information, condition exchange rate information, and option information through the information registration interface (2420b), the terminal receives the input through the financial transaction channel. (Or selected) the exchange information registration request information is transmitted to the server (2425b).

According to the embodiment of the present invention, the exchange of the exchange information registration application information (or selected) inputted through the financial transaction channel to the server may be inputted (or selected) through the information registration interface. It comprises the information sent to the server by electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the exchange information registration request information through the financial transaction channel to check the validity of the exchange information registration request information (2430b).

According to the implementation method of the present invention, confirming the validity of the exchange information registration request information, the exchange information registration request information is electronic signature or encrypted through the security module provided in the terminal, the exchange information registration request Decrypting the information, or may further comprise decoding the money exchange information registration application information.

In addition, the validity check of the exchange information registration request information, preferably, further comprises authenticating a password or security code or OTP included in the exchange information registration application information.

According to an embodiment of the present invention, the validity check of the exchange information registration application information is at least one or more ledger information matching the exchange information registration application information in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include checking whether it is registered.

For example, the validity check of the exchange information registration request information confirms whether the customer information included in the exchange information registration application information matches the customer ledger stored in the ledger D / B on the financial system linked to the exchange information registration system. It is preferable to include what is included.

In addition, the validity check of the exchange information registration application information to check whether the account information included in the exchange information registration application information is matched with the account ledger stored in the ledger D / B on the financial system associated with the exchange information registration system It is preferable to include what is included.

If the validity of the currency exchange information registration application information is not authenticated (2435b), the server generates a web page including predetermined currency exchange information registration application information registration error information and transmits it to the terminal (2440b), and the currency exchange Do not perform the information registration procedure corresponding to the information registration application information.

On the other hand, if the validity of the exchange information registration request information is authenticated (2435b), the server performs an information registration procedure corresponding to the exchange information registration request information, the customer information included in the exchange information registration request information, condition exchange rate The information and the option information are cooperatively stored and stored in the predetermined storage medium 1930 (2445b).

According to an embodiment of the present invention, the storage medium 1930 is preferably provided in a DBMS on a financial system provided on the exchange information registration system (or associated with the exchange information registration system). The storage medium 1930 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1930 may be one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the currency exchange information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined exchange information registration request information registration history information and transmits the generated web page to the terminal (2450b), thereby completing the registration of the exchange information registration request information transmitted from the terminal.

FIG. 25 is a diagram illustrating a system for exclusive use of currency exchange for exchange processing to which cash exchange rates are applied according to an embodiment of the present invention.

In more detail, FIG. 25 illustrates that the cash exchange rate is increased by operating the exchange-only account opened through the exchange-only account opening system shown in FIG. 1 or 8 based on the exchange-only account information stored in the storage medium 155. As a system configuration for achieving a currency exchange processing applied, those skilled in the art to which the present invention pertains, the operation of the exchange-only account for the currency exchange processing to which the cash exchange rate is applied by referring to or modifying this drawing 25 Various implementation methods for the system may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 25 according to an embodiment of the present invention, the exchange-only account operating system is a financial system equipped with a ledger corresponding to the exchange-only account opened through the exchange-only account opening system shown in FIG. And a storage medium 155 for storing exchange-only account information including at least one of the customer information, conditional exchange rate information, and option information, and operating the exchange-only account in connection with the financial system. It is characterized in that it comprises a financial account operating server 2500 that periodically checks the exchange-only account information stored in 155 to perform the exchange process to which the cash exchange rate is applied.

Here, the storage medium 155 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

In addition, the financial account management server 2500 is a ledger server provided in the financial system, or a financial company server on the exchange-only account opening system shown in the drawings, or in connection with the financial system shown in the drawings. Various banking servers (e.g., an internet banking server, a wireless banking server, a tele banking server, a home banking server, a TV banking server, etc.) that operate the exchange-only account, or are provided to achieve currency exchange processing to which the cash exchange rate is applied. It may be a separate server, whereby the present invention is not limited.

In addition, in FIG. 25, the financial account management server 2500 functions to operate the exchange-only account in connection with the financial system, and periodically checks the exchange-only account information stored in the storage medium 2540. Although the present invention includes all of the functional configurations for achieving currency exchange processing to which the cash exchange rate is applied, the present invention is not limited thereto, and the financial account operation server 2500 is a separate server for each functional configuration (or It is clear that this may be achieved through a device).

The financial system is a general term for a computer system having a ledger corresponding to the exchange-only account opened through the exchange-only account opening system shown in the drawings, and is basically provided at a branch (or a branch) of the financial institution. It is characterized in that it is connected through at least one or more window terminals and a predetermined financial network (for example, the bank network), and provides a face-to-face financial transaction service to at least one or more financial transaction customers through the window terminal.

The financial system may also include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or branch) of the financial institution, or at least one other financial institution affiliated with the financial institution. At least one financial terminal provided at an institution (or other financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network), The financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or connected to the Internet or a DataTAC / Mobitex based wireless data communication network or Non-face-to-face financial transaction services are provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

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

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

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

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

Referring to FIG. 25, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele Banking, TV banking, etc.) access to the financial system, or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and the predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function performed in the components of the financial system and Characterized in that it comprises a DBMS (DataBase Management System) comprising at least one database to manage.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine or supplement each ledger's attributes / functions) It is characterized in that the cooperative process is stored.

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

The storage medium 155 may include a storage means for storing currency exchange account information including at least one of the customer information, condition exchange rate information, and option information through the system for opening a currency exchange account shown in FIG. 1 or 8. Collectively, the storage medium 155 is provided in the ledger D / B on the financial system, in a predetermined database associated with the ledger D / B, or on at least one banking system, according to the intention of the skilled person. It is possible to be provided in all.

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

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in the exchange transaction through the exchange-only account opened.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

Referring to FIG. 25, the account management server may include at least one terminal (eg, a customer wired / wireless terminal or a counter terminal) to operate a currency exchange account opened through the currency exchange account opening system shown in FIG. 1 or 8. And an interface unit 2505 for connecting a communication channel for operating the exchange-only account, and a terminal for operating the exchange-only account from the terminal in connection with the interface unit 2505. An information receiving unit 2515 for receiving exchange request account transaction request information, and an account operating unit 2520 (or means) for operating the currency exchange account in connection with the financial system based on the received exchange request account transaction request information. It is characterized in that it comprises a), according to the intention of those skilled in the art the account management unit 2520 is at least two or more functions in more detail It is possible to consist of a component part (or means), and this invention is not limited by this.

According to an embodiment of the present invention, when the terminal is an employee terminal connected to a predetermined communication network (for example, a financial network), the interface unit 2505 may be assigned to the employee terminal based on the protocol stack defined in the communication network. A communication interface for connecting and transmitting at least one or more information (or data) for operating the currency exchange account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to.

According to another exemplary embodiment of the present invention, when the terminal includes a wired terminal connected to a predetermined wired communication network, the interface unit 2505 communicates with the terminal based on a protocol stack defined in the wired communication network. It is preferable to provide a communication interface connecting a channel and transmitting and receiving at least one or more information (or data) for operating the wired terminal and the exchange-only account using a communication protocol defined in the financial transaction program provided in the terminal. Do.

For example, when the terminal is equipped with a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 2505 connects a communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the exchange-only account using the HTTP protocol defined in a browser program. .

Or, if the terminal is provided with a predetermined financial transaction program directly interworking with the account management server, the interface unit 2505 connects the communication channel with the customer terminal based on the TCP / IP protocol, the financial It provides a communication interface for transmitting and receiving information (or data) for operating the exchange-only account using a communication protocol defined in a transaction program.

According to another exemplary embodiment of the present invention, when the terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 2505 may be connected with the terminal based on a protocol stack defined in the wireless communication network. It is desirable to provide a communication interface connecting a communication channel and transmitting and receiving at least one or more information (or data) for operating the exchange-only account using a communication protocol defined in a financial transaction program provided in the terminal.

For example, when the terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 2505 connects a communication channel with the terminal based on the CDMA / WCDMA protocol. And a predetermined web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information (or data) for operating the exchange-only account using the WAP / ME protocol defined in the browser program. ) Provides an interface for transmitting and receiving.

Or, if the terminal is provided with a predetermined financial transaction program directly interworking with the account management server, the interface unit 2505 connects the communication channel with the terminal based on the CDMA / WCDMA protocol, the financial transaction Provides a communication interface for transmitting and receiving information (or data) for operating the exchange-only account using a communication protocol defined in the program.

The information receiving unit 2515 receives the predetermined exchange-only account transaction request information for operating the exchange-only account from the terminal in connection with the interface unit 2505, wherein the received exchange-only account transaction request Information is provided to the financial account manager 2520.

The account manager 2520 may perform various financial transaction procedures for the exchange-only account in connection with the financial system based on the received exchange-only account transaction request information.

According to an embodiment of the present invention, when the exchange-only account transaction request information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the exchange-only account, The account manager 2520 may perform a deposit transaction procedure for the exchange-only account in connection with the financial system based on the exchange-only account transaction request information, and the deposit transaction details correspond to the exchange-only account. It is preferable to record in the ledger.

According to another embodiment of the present invention, withdrawal transaction request information (for example, a withdrawal transaction amount and a withdrawal amount from the exchange-only account) is deposited in the exchange-only account transaction request information. ), It is preferable that the account manager 2520 performs a withdrawal transaction (or transfer transaction) procedure for the exchange-only account based on the exchange-only account transaction request information. Preferably, the withdrawal transaction details are recorded in the ledger corresponding to the currency exchange account.

In addition, the account manager 2520 periodically checks the amount deposited in the exchange-only account, and interest (or proceeds) on the deposit amount according to the interest rate (or rate of return) corresponding to the exchange-only account. It is preferable to calculate, deposit the calculated interest (or proceeds) into the exchange-only account, and record the interest (or proceeds) deposit in the ledger corresponding to the exchange-only account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to FIG. 25, the account management server may include the storage medium (B) in the process of operating the exchange-only account in connection with the financial system by the account management unit 2520 for the exchange processing to which the cash exchange rate is applied. Information exchange unit 2510 for confirming the condition exchange rate information and option information included in the exchange-only account information in connection with 2540) and the exchange rate based on the checked condition exchange rate information and option information in connection with the financial system; An account verification unit 2525 that checks exchange account information for operating a dedicated account, and upon receiving the exchange-only account transaction request information, refer to the condition exchange rate information and option information, and perform a currency exchange process to which a predetermined cash exchange rate is applied. And a currency exchange processing unit 2530 (or a currency exchange processing means) to perform the above, and the account management unit 2520 (or an account operation means) is provided with the conditional exchange rate setting. And optional information in association with the base in the exchange processing unit 2530 is characterized in that the exchange operation only account.

The information checking unit 2510 checks the condition exchange rate information and option information included in the exchange-only account information in connection with the storage medium 155, and cash exchange rate information and insurance company in connection with the information D / B 2545. It is characterized by further checking the information, cash commission information.

Here, the option information preferably comprises at least one of the futures exchange agreement application information, automatic insurance subscription application information, automatic debit application information, the futures exchange agreement application information in the exchange transaction through the exchange-only account is opened For example, it may be desirable to include one or more forward exchange agreement information for performing a forward exchange transaction.

In addition, the automatic insurance subscription application information is one or more information about the automatic insurance subscription to be automatically subscribed to a predetermined insurance (for example, travel insurance, etc.) at the time of withdrawal of the currency exchange processing through the exchange-only exchange account opened; It is preferable to comprise a.

In addition, the debit application information is at least one or more of the customer account information, date of direct transfer, information for direct debit to ensure that a predetermined amount of money is exchanged and deposited from the account in the name of the customer to the exchange-only account opened periodically It is preferable to comprise.

The account verification unit 2525 is configured to check the exchange rate information, etc. for operating the exchange-only account on the basis of the condition exchange rate information, the option information confirmed through the information verification unit 2510, The account information includes the account number, interest rate information, deposit currency information and applicable interest rate corresponding to the exchange-only account opened based on the exchange-only account application information received through the exchange-only account opening system shown in FIG. It is preferable to include information, exchange rate preferential information and cash commission information, and if the exchange-only account includes a savings attribute, it is preferable that the predetermined exchange period, payment date and time, and payment amount information are further included.

According to the exemplary embodiment of the present invention, when predetermined exchange-only account transaction request information for operating the exchange-only account is received from the terminal through the information receiving unit 2515, the received exchange-only account transaction request information is predetermined. In the case of a deposit (or transfer) request for an amount of money, the account checking unit 2525 checks the exchange-only account information corresponding to the exchange-only account transaction request information from the storage medium 155, and the information checking unit 2510. ) Checks the condition exchange rate information and option information corresponding to the exchange-only account information from the storage medium 155, and further checks the cash exchange rate information, insurance company information, cash fee information in connection with the information D / B (2545) The account management unit 2520 checks whether the checked cash exchange rate information satisfies the conditional exchange rate information previously set by the customer, and notifies the exchange processing unit 2530 if it is satisfied. Exchange processing unit 2530 is processed according to the exchange rate history cash check for payment (or transfer) the amount contained in the transaction request information, the exchange account only.

Thereafter, the account manager 2520 deposits the currency (or foreign currency cash) exchanged through the currency exchange processor 2530 in the currency exchange account.

If the confirmed cash exchange rate information does not satisfy the conditional exchange rate information set by the customer, the account manager 2520 may extend the exchange process for a predetermined period of time and then reprocess it.

According to the exemplary embodiment of the present invention, the account management server further includes an information transmitter 2535 for transmitting the money exchange processing extension to the customer terminal when the money exchange processing is extended for a predetermined period of time. .

In addition, the account management server, if the exchange-only account transaction request information received through the information receiving unit 2515 is a predetermined withdrawal for the currency (or foreign currency cash) deposited in the exchange-only account, and the withdrawal act Is the first time since opening the exchange-only account, the information checking unit 2510 confirms the automatic insurance subscription application information of the customer, and transmits the information for the automatic insurance subscription application information of the customer to a predetermined insurance company server It may be configured to further include a unit (2535).

FIG. 26 is a diagram illustrating a currency exchange process in which cash exchange rates are applied using an exchange-only account according to an embodiment of the present invention.

In more detail, FIG. 26 operates a currency exchange account opened through a currency exchange account opening system shown in FIG. 1 or 8 based on currency exchange account information stored in the storage medium 155, and is received from a terminal. When the exchange-only account transaction request information is a deposit (or transfer) for a predetermined amount, it is about a currency exchange process in which a predetermined cash exchange rate is applied to the deposit (or transfer) amount, in the technical field to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods for the exchange processing process to which the cash exchange rate is applied by referring to or modifying the drawing 26, but the present invention includes all the implementation methods inferred. The technical features are not limited only to the implementation method illustrated in FIG. 26.

Hereinafter, in FIG. 26, the financial transaction terminal illustrated in FIG. 25 is referred to as a “terminal” for convenience, and the account management server illustrated in FIG. 25 is referred to as a “server” for convenience and is transmitted from the terminal to the account management server. The customer information and financial transaction information is referred to as "exchange-only account transaction request information" for convenience.

Referring to FIG. 26, the terminal shown in FIG. 15 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, when the terminal is a wireless terminal, a CDMA based mobile communication network, or IEEE). Connect a predetermined communication channel for transmitting the exchange-only account transaction request information by accessing the server through an 802.16x-based portable Internet, etc., and exchange the transaction-only account transaction request information for exchange using the exchange-only account. When requesting a transmission (2600), the server generates (or extracts) a web page corresponding to a predetermined exchange-only account transaction interface for the exchange-only account transaction (2605), and generates (or retrieves) through the communication channel. The extracted web page is transmitted to the terminal and output (2610).

According to an embodiment of the present invention, the exchange-only account transaction interface includes at least one of the customer information, withdrawal account information, exchange-only account information, and deposit (or transfer) amount information (or withdrawal amount information) in the terminal. It is preferable to include a user interface for inputting (or selecting) exchange-only account transaction request information.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the exchange-only account transaction procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs the exchange-only account transaction request information including at least one of customer information, withdrawal account information, exchange-only account information, and deposit (or transfer) amount information (or withdrawal amount information) through the information registration interface ( Or select (2615).

If in the terminal through the information registration interface, the exchange-only account transaction request information including the customer information, withdrawal account information, exchange-only account information, deposit (or transfer) amount information (or withdrawal amount information) is input (or selected) 2620, the terminal transmits the customer information, withdrawal account information, currency exchange account information, deposit (or transfer) amount information (or withdrawal amount information) through the communication channel to the server. Transmit (2625).

According to an embodiment of the present invention, the input (or selected) customer information, withdrawal account information, currency exchange account information, deposit (or transfer) amount information (or withdrawal amount information) is transmitted to the server through the communication channel. The method may further include electronically signing or encrypting the exchange-only account transaction request information input (or selected) through the exchange-only account transaction interface to the server through a security module provided in the terminal. .

Thereafter, the server receives and reads the customer information, the withdrawal account information, the exchange account information, the deposit (or transfer) amount information (or withdrawal amount information) through the communication channel (2630), and the currency exchange account transaction. The condition exchange rate information corresponding to the request information is checked from the storage medium 155 (2635).

In operation 2640, the server compares the condition exchange rate information checked from the storage medium 155 with the current exchange rate information to determine whether the current exchange rate information matches the condition exchange rate information.

If the current exchange rate information does not match the condition exchange rate information (2645), the server generates (extracts) transaction non-trade information and transmits it to the terminal (2650).

On the other hand, if the current exchange rate information meets the conditional exchange rate information (2645), the server checks the option information corresponding to the exchange-only account transaction request information (2655), and applies the current exchange rate to the requested transaction amount. The exchange process is performed (2660).

Then, the server deposits the currency exchange currency or foreign currency cash in a currency exchange account (2665), generates (extracts) details of the deposit processing (or currency exchange processing), and transmits it to the terminal (2670).

27 is a diagram illustrating a face-to-face change information registration system for changing a currency exchange account application information according to an embodiment of the present invention.

In more detail, Figure 27 shows the exchange of money in order to change the predetermined condition exchange rate information and option information after the exchange-only account for the exchange of cash exchange rate is opened through the account opening system shown in Figure 1 or 8 A customer who opens a dedicated account receives change information registration application change information including at least one of customer information, conditional exchange rate information, and option information to change the exchange-only account application information to a change information registration system through a predetermined information registration interface. If so, the change information registration system changes, modifies, and updates the existing exchange information registration application information based on the customer information, condition exchange rate information, and option information included in the provided exchange information registration application change information. As a system configuration for storing in a predetermined storage medium (2730) in association with the account information, Those skilled in the art to which the present invention pertains may refer to or modify this drawing 27 to infer various implementation methods for the configuration of the change information registration system for changing the application information for the exchange-only account. Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the exchange information registration application change information provided from the customer on the storage medium 2730 on the change information registration system shown in FIG. 27 through a predetermined information registration interface. The corresponding component is referred to as " information registration server 2700 " for convenience.

Referring to FIG. 27 in accordance with an embodiment of the present invention, the change information registration system for changing the currency exchange account application information includes an information registration terminal including a teller terminal provided at at least one financial institution branch. The information registration terminal is connected to the communication channel and the information registration server 2700 provided on the change information registration system through a predetermined financial network.

According to one embodiment of the present invention, the customer visits the financial institution branch to register the change information for the exchange-only account application information, and exchanges the currency only through a window (or a cashier) provided at the financial institution branch. When a prescribed application for changing account application information (e.g., a document with a form for filling in at least one item of information for changing a currency exchange account application information) is prepared, and the completed application is submitted to the clerk, The teller enters (or selects) the information written in the application through a predetermined teller terminal, and the teller terminal includes the input (or select) information on the change information registration system through the financial network. It is preferable to transmit to the information registration server 2700.

Here, the teller terminal preferably comprises a manager terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 2700 connected to the teller terminal is a ledger provided on the predetermined financial system. It is preferable to include a server, and the financial network connecting the window terminal and the information registration server 2700 preferably comprises a branch network connecting the communication channel between the window terminal and the information registration server 2700. Do.

In the change information registration system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the information registration server 2700 are provided by the customer. Registration of exchange information for change of application information It performs the function of information registration interface for registering application change information.

The storage medium 2730 provided on the change information registration system according to the present invention performs the link processing of the customer information, condition exchange rate information, and option information included in the exchange information registration request change information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 2730, the exchange information registration application change information including at least one of the customer information, condition exchange rate information, option information stored in the storage medium 2730 is the exchange-only account Used to change application information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (for example, the name, resident registration number, address, telephone number, mobile phone number, and e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to an embodiment of the present invention, the storage medium 2730 is preferably provided in a DBMS on a financial system provided on the change information registration system (or associated with the change information registration system). The storage medium 2730 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2730 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the change information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

The information registration server 2700 provided on the change information registration system according to the present invention is a generic term for the change information registration system side components connected to the information registration terminal through a predetermined financial network, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the information registration server 2700 is provided on a financial system connected to the window terminal through a predetermined financial network. It may be a ledger server, or a server (or device) provided in the external system on the financial system, or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to the embodiment of the present invention, the information registration server 2700 is characterized in that it comprises an interface unit 2705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit 2705 communicates with the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 27, the information registration server 2700 is connected to the interface unit 2705 after a predetermined information registration terminal connects the communication channel with the information registration server 2700 through the interface unit 2705. An interface provider 2710 that generates (or extracts) a predetermined user interface for inputting (or selecting) and transferring predetermined exchange information registration application change information from the information registration terminal in association with the information registration terminal; An information receiving unit 2715 which receives predetermined exchange information registration request change information transmitted from the information registration terminal through the user interface in connection with the interface unit 2705 and the received currency exchange; The validity confirming unit 2720 confirms the validity of the information registration application change information, and the award included in the exchange information registration application change information that has been validated. Customer information, condition information rates, option information associated processing is characterized in that formed in an information storage unit (2725) for storing in a storage medium (2730).

The interface providing unit 2710 connects a communication channel with the information registration server 2700 through the interface unit 2705 through the interface unit 2705, and then corresponds to the functional configuration provided in the information registration terminal. Input (or select) exchange information registration application change information to generate a predetermined user interface which can be transmitted to the information registration server 2700 through the financial network, or extracted from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 2705 may be provided to the information registration terminal through the financial network.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the exchange information registration application change information to the information registration terminal to transmit to the information registration server 2700 via the financial network When a predetermined information registration program is provided, the interface providing unit 2710 which provides the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) exchange information registration application change information including at least one of the customer information, condition exchange rate information, and option information based on the user interface, and the input (or selection) The exchange information registration application change information is transmitted to the information registration server 2700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit 2710 may provide a predetermined user interface that can be provided by a financial transaction related program included in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the counter terminal through the interface unit 2705.

The information receiving unit 2715 inputs (or selects) exchange information registration request change information including at least one of customer information, condition exchange rate information, and option information through the user interface through the user interface through the financial network. When transmitting, the exchange information registration application change information is received in connection with the interface unit 2705, and the received exchange information registration application change information is provided to the validity verification unit 2720.

The validity confirming unit 2720 is configured to check whether the exchange information registration application change information received from the information registration terminal satisfies the validity for changing the exchange application information.

According to an embodiment of the present invention, the validity check of the exchange information registration application change information is at least one ledger matched with the exchange information registration application change information in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking whether the information is registered.

For example, checking the validity of the exchange information registration application change information is whether the customer information included in the exchange information registration application change information matches the customer ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

In addition, the validity of the exchange information registration application change information is confirmed whether the account information included in the exchange information registration application change information matches the account ledger stored in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking.

When the validity of the exchange information registration application change information is confirmed, the information storage unit 2725 performs the process of linking the customer information, condition exchange rate information, and option information included in the exchange information registration application change information to the storage medium 2730. When the storage medium 2730 is provided in the information registration server 2700, or provided on the network associated with the information registration server 2700, the information storage unit 2725 ) Is preferably stored in the storage medium 2730 by linking the customer information, condition exchange rate information, and option information included in the received exchange information registration application change information, the storage medium 2730 on the financial system When provided in the DBMS provided in the information storage unit 2725 is the foreign exchange on the financial system to the customer information, condition exchange rate information, option information included in the received exchange information registration application change information received The information provided to step through and are preferably stored in a DBMS provided on the financial system.

28 is a view showing the configuration of the exchange information registration application change information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to change the exchange information account application information according to an embodiment of the present invention.

More specifically, FIG. 28 shows the customer information and condition exchange rate in the ledger information provided in the ledger D / B when the storage medium 2730 illustrated in FIG. 27 is the ledger D / B provided in the DBMS on the financial system. The information structure for one embodiment of the method for storing exchange information registration application change information including information and option information is shown. Those skilled in the art to which the present invention pertains may refer to or modify this drawing 28. It can be inferred from the various information configuration methods for storing the exchange information registration application change information in the ledger D / B, but the present invention includes all the implementation methods inferred, with only the implementation method shown in Figure 28 It is not limited.

Referring to Fig. 28 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a mortgage ledger, ..., etc.) or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that it is, and because you will be familiar with the specific technical matters, detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes 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. 28, the exchange information registration application change information provided through the change information registration system shown in FIG. 27 is stored in the form of additional information added to the account ledger. Is characterized in that it comprises at least one or more customer information, conditional exchange rate information, option information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in the exchange transaction through the exchange-only account opened.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the exchange information registration application change information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

29 is a view illustrating the configuration of exchange information registration application change information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner in order to change the application information for a currency exchange account according to another embodiment of the present invention. Figure is shown.

More specifically, FIG. 29 illustrates an information structure for an embodiment in which the storage medium 2730 illustrated in FIG. 27 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information for referring to or modifying this drawing 29 and storing the exchange information registration application change information in a predetermined database in association with the ledger D / B and storing the information. Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 29, when it is not easy to store the exchange information registration application change information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B is not easy to change or system expansion is not easy due to the characteristics of the financial system), the exchange information registration application change information is stored in a predetermined database instead of the ledger D / B, and the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 29 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 29, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 129, the database may store and store the customer information, condition exchange rate information, and option information included in the exchange information registration application change information, and the exchange information registration application change information may be stored in the ledger D. It is preferable that the CIF number corresponding to the ledger information is further included in the exchange information registration application change information to be processed in conjunction with / B.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

30 is a view showing the configuration of the exchange information registration application change information stored in the DBMS provided in the banking server in a face-to-face manner for changing the exchange-only account application information according to another embodiment of the present invention.

More specifically, FIG. 30 illustrates a DBMS in which a storage medium 2730 illustrated in FIG. 27 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As an embodiment provided in the present invention, those skilled in the art to which the present invention pertains, currency exchange information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this drawing 30 It is possible to infer the information configuration method for the registration application change information, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 30, a predetermined DBMS provided in the banking server may store and store customer information, condition exchange rate information, and option information included in the exchange information registration application change information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in the exchange transaction through the exchange-only account opened.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

31 is a diagram illustrating a process of registering exchange information registration registration change information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 31 shows a case where the information registration server 2700 on the change information registration system shown in FIG. 27 has a ledger server (not shown) function on the financial system associated with the teller terminal through a predetermined financial network. In the above, the window terminal is connected to the information registration server (2700) to connect the communication channel for registration of change information according to the present invention, and then the customer information to the information registration server (2700) through the communication channel, When the exchange information registration application change information including condition exchange rate information and option information is transmitted, the customer information, condition exchange rate information, and option information included in the received exchange information registration application change information are transmitted from the information registration server 2700. An embodiment of the present invention relates to an embodiment of the present invention, which relates to a predetermined storage medium 2730 and stores the same in a predetermined storage medium 2730. The modified terminal may infer various implementation methods for registering the exchange information registration application change information to the information registration server (2700), but the present invention includes all the implementation methods inferred, this figure It is not limited to the implementation method shown in 31.

Hereinafter, in Fig. 31, the window terminal shown in Fig. 27 is referred to as a "terminal" for convenience, and the information registration server 2700 shown in Fig. 27 is referred to as a "server" for convenience, and the information is registered in the window terminal. The customer information, condition exchange rate information, and option information transmitted to the server 2700 are referred to as "exchange information registration application change information" for convenience.

Referring to Fig. 31, the teller terminal shown in Fig. 27 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the exchange information registration request change information, and requests the exchange-only account. If the exchange information registration application change information registration request for information change is requested (3100), the server generates (or extracts) a predetermined information registration interface for registering the exchange information registration application change information (3105), and The generated (or extracted) information registration interface is transmitted to the terminal through a communication channel and output (3110).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) exchange information registration request change information including at least one of the customer information, condition exchange rate information, and option information in the terminal. It is preferable to make.

Thereafter, the terminal inputs (or selects) exchange information registration request change information including at least one or more customer information, condition exchange rate information, and option information through the information registration interface (3115).

If the terminal inputs (or selects) exchange information registration application change information including the customer information, condition exchange rate information, and option information through the information registration interface (3120), the terminal inputs the information through the financial network. (3125) The exchange information registration application change information including the selected customer information, condition exchange rate information, and option information is transmitted to the server (3125).

Thereafter, the server receives and reads the customer information, condition exchange rate information, and option information through the financial network to check the validity of the exchange information registration request change information (3130).

According to an embodiment of the present invention, the validity check of the exchange information registration application change information is at least one ledger matched with the exchange information registration application change information in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking whether the information is registered.

For example, checking the validity of the exchange information registration application change information is whether the customer information included in the exchange information registration application change information matches the customer ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

In addition, the validity of the exchange information registration application change information is confirmed whether the account information included in the exchange information registration application change information matches the account ledger stored in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking.

If the validity of the exchange information registration application change information is not authenticated (3135), the server generates predetermined information registration error information and transmits it to the terminal (3140), and corresponds to the exchange information registration application change information. Do not perform the information registration procedure.

On the other hand, if the validity of the exchange information registration request change information is authenticated (3135), the server performs the information registration procedure corresponding to the exchange information registration request change information, thereby linking the customer information, the condition exchange rate information, and the option information. The process is stored in a predetermined storage medium (2730) (3145).

According to an embodiment of the present invention, the storage medium 2730 is preferably provided in a DBMS on a financial system provided on the change information registration system (or associated with the change information registration system). The storage medium 2730 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2730 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the change information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (3150), thereby completing the procedure of registering the exchange information registration application change information transmitted from the terminal.

32 is a diagram illustrating a non-face-to-face change information registration system for changing a currency exchange account application information according to another embodiment of the present invention.

More specifically, FIG. 32 shows the conditional exchange rate information and the option information after opening the exchange-only account in the process of opening the exchange-only account for the exchange of cash exchange rates through the account opening system shown in FIG. 1 or FIG. In order to change the currency exchange account application information to the change information registration system, a customer who has opened the currency exchange account in order to register the currency exchange information includes at least one of customer information, conditional exchange rate information, and option information. If the application change information is provided, the change information registration system changes, modifies, and updates existing exchange information registration application information based on the customer information, condition exchange rate information, and option information included in the provided exchange information registration application change information. System for storing the data in a predetermined storage medium 3230 in association with the exchange information. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for a change information registration system for changing a currency exchange account application information may be inferred by referring to or modifying the drawing 32. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the exchange information registration application change information provided from the customer on the storage medium 3230 on the change information registration system shown in FIG. 32 through a predetermined information registration interface. The corresponding component is called "information registration server 3200" for convenience.

Referring to FIG. 32 according to the embodiment of the present invention, the change information registration system for changing the exchange-only account application information includes at least one client terminal including at least one wired terminal or a wireless terminal used by a customer. Characterized in that it comprises an information registration terminal, the information registration terminal is connected to the communication channel and the information registration server 3200 provided on the change information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer accesses the information registration server 3200 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the information. When inputting (or selecting) exchange information registration application change information for changing the exchange-only account application information through at least one user interface provided by the registration server 3200, the client terminal changes the information through a predetermined network means. It is preferable to transmit to the information registration server 3200 provided on the information registration system.

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

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 3200 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 3200 may be a CDMA-based mobile communication network or an IEEE 802.16x-based mobile Internet or a DataTAC / Mobitex-based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 3200, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 3200. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 3200) is provided.

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

In the change information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the information registration server 3200. The communication network performs a function of an information registration interface for the customer to register exchange information registration application change information for changing the currency exchange account application information.

According to another exemplary embodiment of the present invention, the information registration terminal, 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 (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the change information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown) and the information registration server ( The financial network connecting 3200 performs a function of an information registration interface for the customer to register exchange information registration application change information for changing the currency exchange account application information, or the information registration terminal is connected to the call terminal (not shown). Omission), the wired telephone network or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 3200 may be exchanged for the customer to change the money exchange account application information. Performs a function of an information registration interface for registering information registration application change information, or is affiliated with the financial institution that is the information registration terminal When the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 3200 The customer performs a function of an information registration interface for registering the exchange information registration application change information for changing the exchange-only account application information.

The storage medium 3230 provided on the change information registration system according to the present invention links and processes the customer information, condition exchange rate information, and option information included in the exchange information registration request change information provided from the information registration terminal. Characterized in that it is stored in a predetermined storage medium 3230, the exchange information registration application change information including at least one of the customer information, condition exchange rate information, option information stored in the storage medium 3230 is the exchange-only account Used to change application information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to an embodiment of the present invention, the storage medium 3230 may be provided in a DBMS on a financial system provided on the change information registration system (or associated with the change information registration system). The storage medium 3230 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3230 is provided on (or associated with) the change information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The information registration server 3200 provided on the change information registration system according to the present invention is a general term for the change information registration system-side components connected to the information registration terminal through a predetermined network means, and includes at least one server ( Or an apparatus) or at least one or more programs recorded on a recording medium provided in a predetermined server (or apparatus), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the information registration server 3200 is the Internet banking system. A predetermined internet banking server provided on the program, a program provided in the internet banking server, a predetermined server (or device) accessible to the external system of the financial system through the internet banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 3200 is configured on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the wireless banking server (or the server (or device)), or in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 3200 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) or a program provided in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system. (Or a device), a program provided in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the telebanking server (or the server (or device)). Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 3200 is the TV banking system. A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to an embodiment of the present invention, the information registration server 3200 is characterized by comprising an interface unit 3205 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 3205 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 3205 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 3200, the interface unit 3205 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 3205 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a 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) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 3205 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a 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 information registration server 3200, the interface unit 3205 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 3205 may perform the financial automation based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 3205 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 3205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 3205 is based on a protocol stack defined in the TV banking system. At least one information (or data) by connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV) and using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 32, the information registration server 3200 connects a communication channel with the information registration server 3200 through the interface unit 3205 and then connects the communication unit 3205 with the interface unit 3205. An interface provider 3210 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined exchange information registration application change information from the information registration terminal in association with the information registration terminal; And an information receiving unit 3215 which receives predetermined exchange information registration request change information transmitted from the information registration terminal through the user interface in connection with the interface unit 3205 and the received currency exchange. Information storage unit 3 for processing the customer information, condition exchange rate information, and option information included in the information registration application change information in a predetermined storage medium 3230 225) characterized by comprising.

The interface providing unit 3210 connects a communication channel with the information registration server 3200 through the interface unit 3205 through the interface unit 3205 and then corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface that can input (or select) exchange information registration application change information and transmit it to the information registration server 3200 via the network means, or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 3205 is provided (or extracted) to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) exchange information registration application change information including at least one of the customer information, condition exchange rate information, and option information based on the user interface, and the input (or selection) The exchange information registration application change information is transmitted to the information registration server 3200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 3210 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3205.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface provider 3210 may provide a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a user interface of the and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 3205.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 3210 may include a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 3205.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 3210 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 3205. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 3210 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 3205.

According to another embodiment of the present invention having at least one user interface for inputting (or selecting) the exchange information registration request change information to the information registration terminal and transmits it to the information registration server 3200 via the network means. When a predetermined information registration program is provided, the interface providing unit 3210 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 3215 inputs (or selects) exchange information registration request change information including at least one of customer information, condition exchange rate information, and option information through the user interface through the user interface through the network means. When transmitting, the exchange information registration application change information is received in connection with the interface unit 3205, and the received exchange information registration application change information is provided to the validity confirming unit 3220.

The validity confirming unit 3220 is configured to check whether the exchange information registration application change information received from the information registration terminal satisfies the validity for changing the exchange application information.

According to an embodiment of the present invention, the validity check of the exchange information registration application change information is at least one ledger matched with the exchange information registration application change information in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking whether the information is registered.

For example, checking the validity of the exchange information registration application change information is whether the customer information included in the exchange information registration application change information matches the customer ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

In addition, the validity of the exchange information registration application change information is confirmed whether the account information included in the exchange information registration application change information matches the account ledger stored in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking.

When the validity of the currency exchange information registration request change information is confirmed, the information storage unit 3225 may link the customer information, condition exchange rate information, and option information included in the currency exchange information registration request change information to the storage medium 3230. When the storage medium 3230 is provided in the information registration server 3200 or on the network associated with the information registration server 3200, the information storage unit 3225 ) Is preferably stored in the storage medium 3230 by linking the customer information, condition exchange rate information, and option information included in the received exchange information registration application change information, and the storage medium 3230 is on the financial system. When provided in the DBMS provided in the information storage unit 3225, the customer information, condition exchange rate information, and option information included in the received exchange information registration request change information foreign on the financial system It is preferable to provide the information system through the system and store it in the DBMS provided on the financial system.

33 is a view showing the configuration of the exchange information registration application change information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face in order to change the exchange-only account application information according to an embodiment of the present invention.

In more detail, in FIG. 33, when the storage medium 3230 illustrated in FIG. 32 is a ledger D / B provided in a DBMS on a financial system, the customer information and condition exchange rate are included in the ledger information provided in the ledger D / B. The information structure for one embodiment of the method for storing exchange information registration application change information including information and option information is shown, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 33. It can be inferred from the various information configuration methods for storing the exchange information registration application change information in the ledger D / B, but the present invention includes all the implementation methods inferred, only by the implementation method shown in FIG. It is not limited.

Referring to Figure 33 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (for example, a loan ledger, a mortgage ledger, ...), or at least one additional information for maintaining and managing the ledgers, in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that the present invention is also familiar with specific technical matters, and thus detailed description thereof is omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, or trust reception information including at least one or more of an account number, a deposit amount, a par value, an annuity date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes 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. 33, the exchange information registration application change information provided through the change information registration system shown in FIG. 32 is stored in the form of additional information added to the account ledger. Is characterized in that it comprises at least one or more customer information, conditional exchange rate information, option information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

According to another exemplary embodiment of the present invention, the exchange information registration application change information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

34 is a view illustrating the configuration of exchange information registration application change information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner in order to change the application information for a currency exchange account according to another embodiment of the present invention. One drawing.

More specifically, FIG. 34 shows an information structure of an embodiment in which the storage medium 3230 shown in FIG. 32 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information for referring to or modifying this drawing 34 and storing the exchange information registration application change information in a predetermined database in association with the ledger D / B and storing the information. Although the construction method may be inferred, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 34, when it is not easy to store the exchange information registration application change information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in the policy of the financial institution, the ledger D of the DBMS). / B is not easy to change or system expansion is not easy due to the characteristics of the financial system), the exchange information registration application change information is stored in a predetermined database instead of the ledger D / B, and the database and the The implementation method of linking and storing ledger D / B is shown.

In addition, the database shown in FIG. 34 need not be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 34, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 34, the database stores and stores the customer information, condition exchange rate information, and option information included in the exchange information registration application change information, and the exchange information registration application change information is stored in the ledger D. It is preferable that the CIF number corresponding to the ledger information is further included in the exchange information registration application change information to be processed in conjunction with / B.

The customer information includes personal information of a customer who opens a predetermined currency exchange account through a currency exchange account opening system shown in FIG. 1 or 8 (for example, the name, resident registration number, address, telephone number, mobile phone number, and e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

35 is a view showing the configuration of the exchange information registration application change information stored in the DBMS provided in the banking server in a non-face-to-face manner for changing the exchange-only account application information according to another embodiment of the present invention.

More specifically, FIG. 35 shows a DBMS in which the storage medium 3230 shown in FIG. 32 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, currency exchange information stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this drawing 35 It is possible to infer a method of constructing information on registration application change information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 35, a predetermined DBMS provided in the banking server may store and store customer information, condition exchange rate information, and option information included in the exchange information registration request change information.

The customer information is the personal information of the customer who opened a predetermined currency exchange account through the currency exchange account opening system shown in FIG. 1 or 8 (eg, the name, resident registration number, address, telephone number, mobile phone number, e-mail address of the customer). Address, etc.) and customer information (e.g., a customer ledger provided on the financial system associated with the exchange-only account opening system in response to the customer by registering the customer as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, or a CIF (Customer Information File (CIF) number, etc.) provided in the.

The conditional exchange rate information preferably includes an upper limit exchange rate and a lower limit exchange rate information on the exchange rate of the currency for which the exchange process is normally performed in the course of performing the exchange process through the exchange-only account.

For example, when the exchange rate of the exchange currency exceeds the upper limit exchange rate specified by the above conditions at the time of exchange processing, the exchange time can be extended.

Preferably, the option information includes at least one futures exchange agreement application information, automatic insurance subscription application information, and automatic debit application information.

The forward exchange agreement application information may include one or more forward exchange agreement information for performing a forward exchange transaction in a currency exchange transaction through the exchange-only account.

The automatic insurance subscription application information includes one or more information regarding automatic insurance subscription so that a certain insurance (for example, traveler's insurance, etc.) is automatically subscribed at the time of withdrawing a currency exchanged currency through the opened exchange-only account. It is preferable to make it.

The direct debit application information includes at least one customer account information, date of direct debit, and direct debit amount information for depositing a predetermined amount of money from the account in the name of the customer to the exchange-only account opened periodically. It is preferable to make.

36 is a diagram illustrating a process of registering exchange information registration application change information in a non-face-to-face manner in order to change the application information for a currency exchange account according to an embodiment of the present invention.

More specifically, in FIG. 36, when the information registration server 3200 on the change information registration system shown in FIG. 32 has a web server function to which a client terminal can be connected through a predetermined network means, After connecting to the information registration server 3200 and connecting a communication channel for registering change information according to the present invention, the customer information, condition exchange rate information, option information to the information registration server 3200 through the communication channel When the exchange information registration request change information is included, the information registration server 3200 transfers the customer information, condition exchange rate information, and option information included in the received exchange information registration request change information in a predetermined storage medium. The method of the present invention relates to an implementation method of storing the information in the 3230, and a person of ordinary skill in the art to which the present invention pertains refers to FIG. While various modifications may be inferred from the client terminal to register the exchange information registration request change information in the information registration server 3200, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown by.

Hereinafter, in FIG. 36, the client terminal shown in FIG. 32 is called "terminal" for convenience, and the information registration server 3200 shown in FIG. 32 is called "server" for convenience, and the information registration is performed in the client terminal. The customer information, condition exchange rate information, and option information transmitted to the server 3200 are referred to as "exchange information registration application change information" for convenience.

Referring to FIG. 36, the client terminal illustrated in FIG. 32 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Connect a predetermined communication channel for registering the exchange information registration request change information by connecting to the server through a communication network or an IEEE 802.16x based portable Internet, etc., and registering the exchange information for changing the currency exchange account application information. When requesting registration of application change information (3600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the exchange information registration application change information (3605), and through the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (3610).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) exchange information registration request change information including at least one of the customer information, condition exchange rate information, and option information in the terminal. It is preferable to make.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the exchange information registration application change information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) exchange information registration request change information including at least one or more customer information, condition exchange rate information, and option information through the information registration interface (3615).

If the terminal inputs (or selects) exchange information registration request change information including the customer information, condition exchange rate information, and option information through the information registration interface (3620), the terminal inputs the information through the communication channel. The customer information, condition exchange rate information, and option information are transmitted (or selected) to the server (3625).

According to an embodiment of the present invention, transmitting the input (or selected) customer information, conditional exchange rate information, and option information to the server through the communication channel may be inputted (or selected) through the information registration interface. The information registration request change information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the customer information, condition exchange rate information, and option information through the communication channel to check the validity of the exchange information registration request change information (3630).

According to an embodiment of the present invention, checking the validity of the exchange information registration application change information is that if the exchange information registration application change information is electronically signed or encrypted through a security module provided in the terminal, the exchange information Decrypting the registration application change information, or decrypting the exchange information registration application change information may be made.

According to an embodiment of the present invention, the validity check of the exchange information registration application change information is at least one ledger matched with the exchange information registration application change information in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking whether the information is registered.

For example, checking the validity of the exchange information registration application change information is whether the customer information included in the exchange information registration application change information matches the customer ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

In addition, the validity check of the exchange information registration application change information is determined whether the account information included in the exchange information registration application change information matches the account ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

If the validity of the exchange information registration application change information is not authenticated (3635), the server generates a web page including predetermined information registration error information and transmits it to the terminal (3640). Do not perform the information registration procedure corresponding to the changed information.

On the other hand, if the validity of the exchange information registration application change information is authenticated (3635), the server performs the information registration procedure corresponding to the exchange information registration application change information, thereby linking the customer information, condition exchange rate information, and option information. Process the data to a predetermined storage medium 3230 (3645).

According to an embodiment of the present invention, the storage medium 3230 may be provided in a DBMS on a financial system provided on the change information registration system (or associated with the change information registration system). The storage medium 3230 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3230 is provided on (or associated with) the change information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (3650), thereby completing the procedure of registering the exchange information registration application change information transmitted from the terminal.

37A and 37B are diagrams illustrating a process of registering exchange information registration application change information in a non-face-to-face manner in order to change a currency exchange account application information according to another exemplary embodiment of the present invention.

In more detail, FIGS. 37A and 37B illustrate a case in which the change information registration system illustrated in FIG. 32 is implemented through an Internet banking system among non-face-to-face channel-based banking systems. For example, after accessing the Internet banking server through the Internet and performing a predetermined customer authentication procedure, the client terminal transfers the predetermined exchange information registration application change information to the Internet banking server to change the currency exchange account application information. When the exchange information registration request change information including the customer information, condition exchange rate information and option information is transmitted, the customer information included in the exchange information registration request change information received from the information registration server 3200 and the condition exchange rate The present invention relates to an implementation method of storing information and option information in a predetermined storage medium 3230 by cooperatively processing the present invention. Those skilled in the art may infer various implementation methods for registering the exchange information registration application change information from the client terminal to the information registration server 3200 by referring to or modifying the drawings 37a and 37b. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 37A and 37B.

That is, in FIGS. 37A and 37B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering exchange information registration application change information between the client terminal and the Internet banking server, but if the person of ordinary skill in the art An exchange bank between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 37A and 37B. Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration registration change information registration, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 37a and 37b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering exchange information registration request change information may be inferred, but the present invention provides the telebanking system or wireless banking. It includes all types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future proposed face-to-face banking systems, and the technical configuration of the present invention is the case of Internet banking shown in FIGS. 37A and 37B. It is by no means limited.

37A and 37B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 3200 is referred to as " server " for convenience.

Referring to FIGS. 37A and 37B, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (3700a), the server communicates between the terminal and the server through the browser. (3705a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided to the terminal and transmitted to the terminal, and the browser provided to the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 3710a).

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby the internet banking program (or internet banking). Whether to update the security module associated with the program) can be checked.

If a predetermined security module is to be installed or updated in the terminal (3715a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 3720a.

If the terminal does not need to install or update the latest version of the Internet banking security module (3725a), or if the terminal does not need to load or update the Internet banking security module (3715a), the server is mounted on the terminal By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a security channel) (3730a), where the security channel for internet banking is referred to as Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register exchange information registration application change information in the terminal. When a predetermined digital signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm) ( Or a communication channel for decoding the information (or data) with a decoding 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 Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decoding the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for registering exchange information registration application change information in the terminal. Attach an electronic signature or at least one password When the transmission is encrypted by a method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding.

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (3735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (3740a). The server (or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (3745a).

If the Internet banking customer authentication fails (3750a), the server blocks the internet banking security channel for the terminal (3755a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (3750a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (3760a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined exchange information registration application change information for changing a currency exchange account application information from the terminal to the server.

Subsequently, when the terminal requests internet banking based exchange information registration application change information registration to the server through the inter-banking-based financial transaction channel to register exchange information registration application change information (3700b), the server exchanges the exchange information. Create (or extract) a web page corresponding to a predetermined information registration interface for registering registration change information (3705b), and transmit the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel. Transmit and output (3710b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) exchange information registration request change information including at least one of customer information, condition exchange rate information, and option information in the terminal. Preferably, or a predetermined password (e.g., account password, etc.) or security code (e.g., to confirm the validity of the Internet banking customer requesting registration of the exchange information registration request change information or the exchange information registration request change information). A security code printed on a security card issued to a customer during the internet banking application process, or an OTP (One Time Password) (e.g., an internet banking application process (or after an internet banking application) The interface for entering a one-time password generated by the OTP authentication program) is further included. It is preferable to include.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the exchange information registration application change information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) exchange information registration request change information including at least one of the customer information, condition exchange rate information, and option information through the information registration interface (3715b).

If the terminal inputs (or selects) exchange information registration request change information including the customer information, conditional exchange rate information, and option information through the information registration interface (3720b), the terminal receives the financial transaction channel through the financial transaction channel. The input (or selection) of the exchange information registration request change information is transmitted to the server (3725b).

According to an embodiment of the present invention, transmitting the exchange information registration request change information input (or selected) through the financial transaction channel to the server may register the exchange information input (or selected) through the information registration interface. The application change information comprises a digital signature or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server receives and reads the exchange information registration request change information through the financial transaction channel to check the validity of the exchange information registration request change information (3730b).

According to an embodiment of the present invention, checking the validity of the exchange information registration application change information is that if the exchange information registration application change information is electronically signed or encrypted through a security module provided in the terminal, the exchange information Decrypting the registration application change information, or decrypting the exchange information registration application change information may be made.

In addition, the validity check of the exchange information registration application change information, it is preferable to further comprise authenticating a password or security code or OTP included in the exchange information registration application change information.

According to an embodiment of the present invention, the validity check of the exchange information registration application change information is at least one ledger matched with the exchange information registration application change information in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking whether the information is registered.

For example, checking the validity of the exchange information registration application change information is whether the customer information included in the exchange information registration application change information matches the customer ledger stored in the ledger D / B on the financial system associated with the change information registration system. It is preferable to include checking.

In addition, the validity of the exchange information registration application change information is confirmed whether the account information included in the exchange information registration application change information matches the account ledger stored in the ledger D / B on the financial system associated with the change information registration system It is preferable to include checking.

If the validity of the exchange information registration application change information is not authenticated (3735b), the server generates a web page including predetermined exchange information registration application change information registration error information and transmits it to the terminal (3740b), The information registration procedure corresponding to the exchange information registration application change information is not performed.

On the other hand, if the validity of the exchange information registration request change information is authenticated (3735b), the server performs the information registration procedure corresponding to the exchange information registration request change information, thereby the customer information included in the exchange information registration request change information The conditional exchange rate information and the option information are cooperatively stored in the predetermined storage medium 3230 (3745b).

According to an embodiment of the present invention, the storage medium 3230 may be provided in a DBMS on a financial system provided on the change information registration system (or associated with the change information registration system). The storage medium 3230 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 3230 may be one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the change information registration system. It is possible to be provided in the DBMS on at least one banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including a predetermined exchange information registration application change information registration history information and transmits it to the terminal (3750b), thereby completing the registration of the exchange information registration application change information transmitted from the terminal.

According to the present invention, it provides customers with a currency exchange tool that can prepare for exchange rate fluctuations in advance to provide a variety and convenience necessary for exchange, and has the advantage that it can meet the various needs of overseas travel customers in the ever-increasing trend.

In addition, financial institutions have the advantage of increasing profits and market share by increasing exchange rate.

Claims (6)

In order to open an exchange-only account in which currency exchange rates are applied, the exchange-exchange account application information includes one or more of conditional exchange rate information, option information-gift exchange agreement application information, auto insurance subscription application information, and automatic transfer application information. Receiving an information from the terminal on the network; An account opening step of opening a currency exchange account based on the received currency exchange account application information; A currency exchange step of performing a currency exchange process in which a cash exchange rate of a currency to be exchanged is applied to the deposit (or transfer) amount upon deposit (or transfer) of a predetermined amount into the opened exchange-only account; And A deposit processing step of depositing (or transferring) the exchanged currency (or foreign currency cash) into the currency exchange account; And In the case of the first withdrawal of the currency deposited after the opening of the exchange-only account, if the customer is an automatic insurance subscription application customer, sending the insurance application information of the customer to the insurance company server comprising the step of requesting the insurance subscription processing, The forward exchange agreement application information includes one or more forward exchange agreement account information to enable the exchange of the exchange-only account in the exchange exchange transaction, it is possible to perform a forward exchange transaction. The method of claim 1, wherein the currency exchange step, Determining whether the cash exchange rate of the currency to be exchanged corresponds to the conditional exchange rate information included in the currency exchange account application information in the deposit (or transfer) amount; If it does not match, further comprising the step of extending the exchange process requested by the customer for a period of money exchange only characterized in that it is made. 3. The method of claim 2, The method of claim 1 further comprising the step of transmitting a predetermined period of time extension information for the exchange processing to the customer communication means. delete A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Opening an exchange-only account based on the exchange-exchange account application information including one or more condition exchange rate information, options information-gift exchange agreement application information, automatic insurance subscription application information, automatic transfer application information-received from the terminal on the network Way; A currency exchange processing means for performing a currency exchange process by applying a cash exchange rate of a currency to be exchanged to the deposit (or transfer) amount upon depositing (or transferring) a predetermined amount to the opened exchange-only account; Account management means for depositing (or transferring) the exchanged currency (or foreign currency cash) into the currency exchange account or withdrawing the currency (or foreign currency cash) deposited in the currency exchange account; And means for requesting an insurance subscription process by transmitting insurance subscription information of the customer to an insurance company server when the customer is an automatic insurance subscription request customer at the time of withdrawal for the currency deposited after the opening of the exchange-only account. The exchange exchange account application information is a currency exchange dedicated account management system, characterized in that it comprises one or more forward exchange agreement information for performing a forward exchange transaction in the exchange exchange transaction opened.

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