KR101072929B1 - Method for Managing Local Financial Account for Foreign Worker and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method for operating a local financial account for a foreign worker and a recording medium therefor. The method for operating a local financial account for a foreign worker according to the present invention includes a method of operating a local financial account through a domestic branch (or a branch). When requesting to open an overseas financial account, the step of opening and processing a financial account through an overseas branch of the country where the foreign worker belongs, and the foreign worker is converted into a financial account opened through the overseas branch through a domestic branch (or a branch). When requesting an amount deposit, confirming exchange rate information of the country to which the overseas branch belongs, exchanging the won amount based on the confirmed exchange rate information, and opening the exchanged won amount through the overseas branch Remittance processing to the completed financial account.

Foreigners, workers and financial accounts

Description

Method for Managing Local Financial Account for Foreign Worker and Program Recording Medium}

1 is a diagram illustrating a face-to-face overseas account opening system for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea according to an embodiment of the present invention.

2A and 2B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in a face-to-face manner according to one embodiment of the present invention. Drawing.

3A and 3B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) in a face-to-face manner according to another embodiment of the present invention. One drawing.

4A and 4B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea in a face-to-face manner according to another exemplary embodiment of the present invention. Figure is shown.

5 is a diagram illustrating a non-face-to-face overseas account opening system for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea according to another embodiment of the present invention. to be.

6A and 6B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in a non-face-to-face manner according to an embodiment of the present invention. One drawing.

7A, 7B, and 7C illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea according to one embodiment of the present invention. Drawing.

8 is a diagram illustrating a face-to-face financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a process of processing a financial transaction for remittance processing to an overseas account opened by a foreign customer through an overseas branch in a face-to-face manner according to an embodiment of the present invention.

10 is a diagram illustrating a non-face-to-face financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch according to an embodiment of the present invention.

Figure 11 is a financing process for remittance processing to an overseas account opened by a foreign customer through an overseas branch in a non-face-to-face manner for the transfer of payment to an overseas account opened by the foreign customer through an overseas branch according to an embodiment of the present invention A diagram illustrating a process of processing a transaction.

12A and 12B illustrate a remittance to an overseas account opened by a foreign customer through an overseas branch in a non-face-to-face manner for remittance processing to an overseas account opened by a foreign customer through an overseas branch according to another embodiment of the present invention. A diagram illustrating a process of processing a financial transaction for processing.

<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: electronic document server

160: electronic document receiving unit 165: information generating unit

170: electronic document storage unit 175: electronic document D / B

180: storage medium 185: financial system

190: Ledger D / B 195: terminal device

According to the present invention, when a foreign worker working in Korea requests an overseas financial account to be opened through a domestic branch (or a branch), the foreign worker opens a financial account through an overseas branch of a country to which the foreign worker belongs, and the foreign worker is a domestic branch. (Or branch) requests the deposit of the won amount to the financial account opened through the overseas branch, checks the exchange rate information of the country to which the overseas branch belongs, and exchanges the won amount based on the confirmed exchange rate information And remitting the exchange-denominated money amount to a financial account opened through the overseas branch.

The rapid development of the domestic economy has led to overseas labor forces, and they have come into Korea, working in various fields, and doing various economic activities in the country.

However, these foreign customers do not completely migrate to Korea, but most of them come to Korea to make money alone, and thus, most of the profits generated through economic activities in Korea are remitted to overseas.

However, they are in a situation where the burden of paying a lot of foreign remittance fees and currency exchange fees incurred in using the international remittance service is unchanged.

An object of the present invention for solving the above problems is that when a foreign worker working in Korea requests the opening of an overseas financial account through a domestic branch (or a branch), opening and processing the financial account through the overseas branch of the country where the foreign worker belongs to In step S, when the foreign worker requests a deposit into the financial account opened through the overseas branch through a domestic branch (or a branch), check the exchange rate information of the country to which the overseas branch belongs, and confirm the exchange rate information. Providing a method of operating a local financial account for a foreign worker, the method comprising the step of exchanging the won amount on the basis of the foreign currency; and the step of transferring the exchanged amount of the won amount to a financial account opened through the overseas branch. .

Local financial account operation method for foreign workers according to the present invention, if a foreign worker working in the country requests to open an overseas financial account through a domestic branch (or a branch), the financial account through the overseas branch of the country where the foreign worker belongs If the foreign worker requests the deposit of the won amount into the financial account opened through the overseas branch through a domestic branch (or a branch), check the exchange rate information of the country to which the overseas branch belongs, And converting the won amount based on the exchange rate information, and remitting the converted won amount to a financial account opened through the overseas branch.

In addition, when the foreign worker requests a deposit of the won amount into a financial account opened through the overseas branch through a domestic branch (or a branch), the interest rate provided by the financial account opened through the overseas branch and domestic financial products are provided. Characterized in that it further comprises the step of comparing and providing the interest rate.

In addition, comparing and providing the interest rate provided by the financial account opened through the overseas branch and the interest rate provided by the domestic financial products, further comprising the rate provided by the domestic financial products, currency exchange fees and remittance fees It features.

The present invention includes a computer-readable recording medium, which records a program for executing a method of operating a local financial account for a foreign worker.

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

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

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

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

1 is a diagram illustrating a face-to-face overseas account opening system for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea according to an embodiment of the present invention.

In more detail, Figure 1 shows that when a given customer fills out an application for opening an overseas account including at least one foreign customer information, passport information, and financial product information, and submits it to a window provided at a predetermined financial institution, Based on the information on the application for opening an overseas account, the foreign worker who works in the country opens an overseas account for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch). And a system configuration for storing overseas account information for managing the overseas account in a predetermined storage medium 180. If a person of ordinary skill in the art belongs to the present invention, refer to FIG. Foreign workers who work domestically by transforming and / or through their domestic branches (or sales offices) may be able to Would be able to infer a variety of exemplary methods for the foreign account opening system configuration for the opening, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

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

In addition, as shown in Figure 1, in the implementation method for generating the foreign account opening application electronic document, generating an overseas account opening application electronic document corresponding to the overseas account opening application on the server side on the foreign account opening system Although the present invention is not limited thereto, the present invention is not limited thereto, and the overseas account opening application electronic document is generated by a terminal that acquires image content corresponding to the overseas account opening application through a predetermined image acquisition device. (Eg, the electronic document generation function provided on the server side is provided on the terminal side to generate the overseas account opening application electronic document), and the present invention is not limited thereto.

Hereinafter, the customer opens the foreign account in response to the foreign account opening application form and the foreign account opening application information prepared by the customer through a predetermined financial account opening interface on the overseas account opening system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a predetermined foreign account opening application electronic document and storing the electronic document in a predetermined 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, an overseas account opening system for opening a financial account of an overseas branch (or branch) by a foreign worker working in the domestic branch (or branch) may include at least one or more. And a terminal device 195 including a window terminal provided at a branch (or branch) of a financial institution, and the terminal device 195 is provided on the overseas account opening system through a predetermined financial network. The communication company server 100 and the communication channel is connected.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch (branch branch) for opening a financial account of an overseas branch (or branch branch) through a domestic branch (or branch branch), and the foreign worker working in the domestic country. Foreign workers who work in the country through a window (or through a window staff) provided at the branch of a financial institution (a branch office) for a foreign country to open a financial account of an overseas branch (or branch) through a domestic branch (or branch) Create an account opening application (for example, a document with a form for the foreign worker working in the country to fill in at least one information item for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch)) In this case, the customer seals the transaction seal of the customer for the legal basis for the application for opening the overseas account. This is preferred.

Then, when the customer submits the completed overseas account opening application to the window staff, the window staff scans the overseas account opening application through a predetermined image acquisition device to obtain a predetermined image content, and a predetermined window terminal Input (or select) overseas account opening application information including at least one image content obtained in response to the overseas account opening application form and at least one foreign customer information, passport information, and financial product information written in the overseas account opening application form; In response, the counter terminal preferably transmits the image content and the foreign account opening application information to the financial company server 100 provided on the foreign 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 on the predetermined financial system 185 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 100 is a step of connecting the communication channel between the teller terminal and the financial company server 100 It is preferable to comprise a network.

In the overseas account opening system as described above, the image acquisition device for obtaining the image content corresponding to the overseas account opening application prepared by the customer, the teller terminal and the teller terminal used by the employee and the financial company server 100 The financial network that connects the financial account opening interface for the customer to register the foreign account opening application information for the foreign worker working in the domestic to open a financial account of the overseas branch (or branch) through the domestic branch (or branch) Perform the function.

The storage medium 180 provided on the overseas account opening system according to the present invention includes at least the foreign customer information, passport information, and financial product information included in the overseas account opening application information provided from the terminal device 195. It is characterized by storing the foreign account information including one or more.

The foreign customer information may include personal information of the foreign customer (for example, the name of the foreign customer, the passport number information of the foreign customer, the foreign address of the foreign customer, the domestic residence address, the foreign family phone number, the domestic residence phone number, the mobile phone number, E-mail address, work information of the foreigner (e.g., work name, business registration number, name of representative, etc.), member information of the foreign customer (e.g., the customer registers as a financial transaction customer of the financial institution) And at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 185 associated with the foreign account opening system in response to the customer. desirable.

The passport information checks the information of the foreigner's nationality, address, etc. when the foreign customer requests to open an overseas account to an overseas branch (or a branch) of a country corresponding to the nationality of the foreign customer through the overseas account opening system. It is preferable to include at least one passport number, passport issuing country, and the like.

The financial product information may be opened through the overseas branch (or branch) when the foreign customer requests to open an overseas account to an overseas branch (or branch) of a country corresponding to the foreign customer's nationality through an overseas account opening system. In the case of a product name, an interest rate, and a savings formula for a financial account, it is preferable to include at least one or more monthly payment amount, monthly payment date, and the like.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the overseas account opening system (or associated with the foreign account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 180 is provided with (or associated with) an internet banking system, and / or a telebanking system, and / or a wireless banking system. And / or a DBMS on at least one banking system of the TV banking system, which is not intended to limit the present invention.

The financial company server 100 provided on the overseas account opening system according to the present invention is a generic term for the components of the overseas account opening system connected to the terminal device 195 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a teller terminal connected to a predetermined financial network, the financial institution server 100 connects to the teller terminal through a predetermined financial network 185. It may be a ledger server provided on, and / or a server (or device) provided in the external system on the financial system 185, and / or a program provided in the external system on the financial system 185, Thereby, this invention is not limited.

According to an embodiment of the present invention, the financial institution server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the terminal device 195 through the financial network. Characterized in that made.

According to an exemplary embodiment of the present invention, when the terminal device 195 is a window terminal connected to a predetermined financial network, the interface unit 105 may select the window terminal and the predetermined terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the financial institution server 100 is a foreigner who works in the domestic country when a predetermined terminal device 195 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105. An image corresponding to an application for opening an overseas account created by the customer through a predetermined image acquisition device provided in the terminal device 195 for a worker to open a financial account of an overseas branch (or branch) through a domestic branch (or branch). Generate (or extract) at least one user interface for acquiring content, inputting (or selecting) foreign account opening application information corresponding to the overseas account opening application, and transmitting the same to the financial institution server 100, and generating the content (or extracting) The interface providing unit 110 (or in) providing the generated (or extracted) user interface to the terminal device 195 in conjunction with the unit 105. Face providing means), and the terminal device 195 inputs (or selects) foreign account opening application information corresponding to the overseas account opening application through the user interface, and transmits the information to the interface unit 105. An information receiving unit 115 for receiving the foreign account opening application information transmitted from the terminal device 195 and a predetermined image acquisition device based on the user interface in the terminal device 195. When the image content corresponding to the overseas account opening application is obtained and transmitted, the image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the overseas account opening application in conjunction with the interface unit 105 is provided. Characterized in that made.

The interface provider 110 connects a predetermined communication channel with the financial institution server 100 through the interface unit 105, and then works in the domestic country as the financial institution server 100. When a foreign worker requests a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch), a foreign country created by the customer through a predetermined image acquisition device provided in the terminal device 195 At least one or more to obtain image content corresponding to the account opening application, input (or select) the foreign account opening application information corresponding to the overseas account opening application to transmit to the financial company server 100 through the financial network Create a user interface, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 105 The generated (or extracted) user interface may be provided to the terminal device 195 through the financial network.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image contents corresponding to the overseas account opening application written by the customer through a predetermined image acquisition device, and opens an overseas account corresponding to the overseas account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) application information to be transmitted to the financial institution server 100 through the financial network is provided, the predetermined image obtaining apparatus as described above. A user for acquiring image contents corresponding to the overseas account opening application written by the customer through the input, inputting (or selecting) foreign account opening application information corresponding to the overseas account opening application, and transmitting the information to the financial institution server 100. Interface that creates (or extracts) an interface and provides it to the terminal device 195. The providing unit 110 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal device 195 inputs (or selects) an overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the user interface. The foreign account opening application information is transmitted to the financial institution server 100 through the financial network. In response, the information receiving unit 115 is transmitted from the terminal device 195 in association with the interface unit 105. Characterized in that the application for receiving the overseas account opening application.

In addition, the terminal device 195 obtains the image content corresponding to the foreign account opening application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiver 120 receives the image content corresponding to the overseas account opening application in association with the interface unit 105.

According to another exemplary embodiment of the present invention, the terminal device 195 acquires image content corresponding to the overseas account opening application created by the customer through a predetermined image acquisition device, and is provided in the terminal device 195 ( Or when the terminal device 195 is previously stored in a predetermined storage device, the terminal device 195 may correspond to an overseas account opening application created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select content and transmit the content to the financial institution server 100 through the financial network. In response, the image receiving unit 120 receives the image content corresponding to the overseas account opening application in connection with the interface unit 105. It is desirable to.

According to another embodiment of the present invention, the terminal device 195 through the user interface to the image content corresponding to the overseas account opening application prepared by the customer and the overseas account opening application information corresponding to the overseas account opening application When transmitting together, the information receiving unit 115 may receive the image content corresponding to the overseas account opening application and the overseas account opening application information together with the interface unit 105 (for example, the image receiving unit ( 120 is integrated into the information receiving unit 115), and the present invention is not limited thereto.

Referring to FIG. 1, when the financial institution server 100 receives the overseas account opening application information transmitted from the terminal device 195 through the information receiving unit 115, the received foreign account opening application information is displayed. It is provided with a validation unit 125 (or validation means) for confirming whether a foreign worker working in Korea satisfies the validity for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch). It is done.

According to the method of the present invention, the validity of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B 190 on the financial system 185 associated with the foreign account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B 190 on (185).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

Referring to FIG. 1, the financial institution server 100 receives the image content transmitted from the terminal device 195 through the image receiving unit 120, and opens the overseas account through the validity checking unit 125. When the validity of the application information is authenticated, an electronic document generation unit 130 (or electronic document generating means) for generating a predetermined overseas account opening application electronic document including the received image content, and the generated overseas account opening And an electronic document transmission unit 135 (or an electronic document transmission means) for transmitting the application electronic document to the electronic document repository associated with the overseas account opening system.

The electronic document generating unit 130 generates an electronic account opening application electronic document including the image content received from the terminal device 195 through the image receiving unit 120.

According to an embodiment of the present invention, the electronic document generation unit 130 is a foreigner working in the country as it is the image file including the image content received from the terminal device 195 through the image receiving unit 120 It is advisable for an employee to process a foreign account opening application electronic document for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch).

Alternatively, the electronic document generating unit 130 is included in the overseas account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. An image file corresponding to an image content including at least one of foreign customer information, passport information, and financial product information in a watermarking method is provided by a foreign worker working in the country through a domestic branch (or a branch). It is desirable to create an electronic document for the opening of an overseas account for opening a financial account (or a branch).

According to another embodiment of the present invention, the electronic document generating unit 130 is a predetermined document file (eg, PDF) including the image content received from the terminal device 195 through the image receiving unit 120 (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more HWP / DOC, or web document file including MHT) It is desirable for an employee to generate an electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

Alternatively, the electronic document generating unit 130 is included in the overseas account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. Generate image content including at least one or more of foreign customer information, passport information, and financial product information by a watermarking method, and include a predetermined document file (eg, a PDF (Portable Document) including the generated image content. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). Through the branch (or branch), it is necessary to generate an electronic document for opening an overseas account to open a financial account for the branch overseas (or branch). It is good.

According to another exemplary embodiment of the present invention, the electronic document generating unit 130 receives the image content and the information receiving unit 115 received from the terminal device 195 through the image receiving unit 120. 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 HWP / DOC, etc.) containing information on an application for opening a foreign account; By creating a web document file including the MHT, etc., the foreign worker working in the country generates an overseas account opening application electronic document for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch). desirable.

Alternatively, the electronic document generating unit 130 is included in the overseas account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. A predetermined document file including image content including at least one or more of foreign customer information, passport information, and financial product information by a watermarking method, and including the generated image content and application information for opening an overseas account. (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). A foreign worker working in Korea opens a foreign account for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch). It is desirable to create a blue electronic document.

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

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

As shown in FIG. 1, the electronic document repository is connected to the financial company server 100 on the overseas account opening system with a predetermined electronic document server 155 and an electronic document D / B 175 linked through predetermined communication means. When provided externally, the electronic document transmission unit 135 is the electronic document server through the communication means the electronic document server 155 generated by the electronic document generation unit 130 through the communication means It characterized in that the transmission to.

Here, when the electronic document server 155 and the electronic document D / B 175 is provided outside the foreign account opening system, the electronic document server 155 and the electronic document D / B 175 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the electronic document transmission unit 135 is generated by the electronic document generation unit 130. It is possible to store the electronic document opening application electronic document in the electronic document D / B (175) corresponding to the electronic document storage on the DBMS provided in the foreign account opening system, by which the present invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 135 may include electronic document related information (eg, an overseas account corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 155. Foreign customer information, and / or financial institution information transmitting the foreign account opening application electronic document, and / or electronic document file format information, and / or the foreign account opening application information, etc.) It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 1, the financial company server 100 may include information on an application for opening an overseas account received through the information receiver 115 through a validity checker 125. When the validity for opening a financial account of an overseas branch (or a branch) is authenticated, the financial account is based on the foreign customer information, passport information, and financial product information included in the application for opening the overseas account. And an information generating unit 140 (or information generating means) for generating information, and an account opening unit 145 (or account opening means) for opening and processing a financial account under the customer's name including the financial account information. Characterized in that made.

When the validity of the overseas account opening application information is confirmed by the validity confirming unit 125, the information generating unit 140 displays foreign customer information, passport information, and financial product information included in the overseas account opening application information. It is characterized in that for generating the financial account information based on.

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account establishment unit 145 generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 185 (or a customer ledger provided by matching with the foreign customer information). To generate predetermined account ledger information including the financial account information, and then store the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the overseas account opening application information. The foreign worker working in the country is characterized in that the opening of the predetermined financial account for opening the financial account of the overseas branch (or branch) through the domestic branch (or branch).

According to an exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist in the same system, the account opening unit 145 may be linked with the financial system 185 in the ledger D / It is preferable to create a predetermined ledger in B 190 that includes financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 100 and the financial system 185 exist on another system connected through a predetermined communication means, the account opening unit 145 may use predetermined communication means. It is preferable to request the ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through an external system on the financial system 185.

Referring to FIG. 1, the financial company server 100 may include information on an application for opening an overseas account received through the information receiver 115 through a validity checker 125. When the validity for opening a financial account of an overseas branch (or branch) is certified, the foreign customer information, passport information, and financial product information included in the validity of the overseas account opening application information are included. And an information storage unit 150 (or information storage means) for storing the overseas account information in a predetermined storage medium 180.

When the validity of the overseas account opening application information is confirmed by the validity confirming unit 125, the information storage unit 150 includes the foreign customer information, passport information, and financial product information included in the overseas account opening application information. It characterized in that for storing the foreign account information including at least one or more in the storage medium (180).

According to an exemplary embodiment of the present invention, when the storage medium 180 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 configured as the storage medium 180. Preferably, the storage medium 180 stores foreign account information including at least one of the foreign customer information, passport information, and financial product information included in the received foreign account opening application information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the information storage unit 150 is included in the received foreign account opening application information. Providing foreign account information including at least one of the foreign customer information, passport information, financial product information to the information system through the external system on the financial system 185 to store in the DBMS provided on the financial system 185 desirable.

Referring to FIG. 1, an electronic document which receives a predetermined foreign account opening application electronic document from the financial institution server 100 provided on the overseas account opening system and stores and manages the electronic document D / B 175 in a predetermined electronic document. The server 155 may include an electronic document receiving unit 160 (or an electronic document receiving unit) for receiving a predetermined overseas account opening application electronic document from the financial institution server 100 through a predetermined communication unit, and the received overseas account. An information generating unit 165 (or information generating means) for generating predetermined electronic document management information for storing and managing an opening application electronic document in the electronic document D / B 175; and the electronic document management information and the An electronic document storage unit 170 (or electronic document storage means) for linking and processing the electronic document opening application electronic document and storing it in a predetermined electronic document D / B 175 is characterized in that it is provided.

The electronic document receiving unit 160 may receive an electronic document opening application electronic document in the form of an image file and / or a document file from the financial institution server 100 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving application electronic document received by the electronic document receiving unit 160 through the communication means includes the image content received by the financial institution server 100 from the terminal device 195. It is preferable that the image file is included as it is.

Alternatively, the overseas document opening request electronic document received by the electronic document receiving unit 160 through the communication means is the foreign account opening application information on the image content received by the financial institution server 100 from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more information of the foreign customer information, passport information, financial product information included in the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the electronic document receiving application electronic document received by the electronic document receiving unit 160 through the communication means is an image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.) is preferable.

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 160 through the communication means is included in the overseas account opening application information on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (e.g., a Portable Document Format (PDF) file or EDI (e.g., a Portable Document Format) file containing image content including at least one or more of the included foreign customer information, passport information, and financial product information in a watermarking manner) 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 overseas document opening application electronic document received by the electronic document receiving unit 160 through the communication means is received by the financial institution server 100 from the terminal device 195. A word processor file including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content and the foreign account opening application information. , Or a web document file including MHT).

Alternatively, the electronic document opening request electronic document received by the electronic document receiving unit 160 through the communication means is included in the overseas account opening application information on the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, PDF (Portable Document) including image content including at least one or more information of foreign customer information, passport information, and financial product information included in a watermarking method and the foreign account opening application information. Format file, or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

The information generating unit 165 is a predetermined electronic document unique number (or unique information) to be assigned to the foreign account opening application electronic document received through the electronic document receiving unit 160, and through the electronic document receiving unit 160 And generating electronic document management information including electronic document storage date and time information including a date and time at which the overseas account opening application electronic document was received (or a date and time at which the foreign account opening application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 165 opens the overseas account with reference to the financial company server 100 that has transmitted the electronic document opening application electronic document received through the electronic document receiving unit 160. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 100 through the electronic document receiving unit 160, the information generating unit 165 may receive the received electronic document. Document-related information (e.g., foreign customer information for creating an overseas account opening application corresponding to the image content, and / or financial institution information for transmitting the overseas account opening application electronic document, and / or electronic document file format information, and / Or it is preferable to generate the electronic document management information further comprising the foreign account opening application information, etc.).

The electronic document storage unit 170 processes the electronic document management application generated through the electronic document receiving unit 160 and the electronic document management information generated through the information generating unit 165 in a predetermined electronic document. It is characterized in that the storage in the D / B (175).

According to the exemplary embodiment of the present invention, the foreign bank opening application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 is the financial company server 100 by the terminal device 195. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may be stored in the image content received by the financial institution server 100 from the terminal device 195. It is preferable to include an image file corresponding to the image content including at least one or more information of the foreign customer information, passport information, financial product information included in the foreign account opening application information in a watermarking (Watermarking) method.

According to another embodiment of the present invention, the electronic document storage unit 170 is stored in the electronic document D / B (175) foreign account opening application electronic document is the financial company server 100 is the terminal device (195) A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable to include a web document file including).

Alternatively, the electronic document opening request electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may include the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file (eg, PDF (Portable Document Format) including image content including at least one or more of foreign customer information, passport information, and financial product information included in the overseas account opening application information by watermarking. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the electronic document storage unit 170 stores the electronic document D / B 175 in an overseas account opening application electronic document, the financial company server 100 may use the terminal device ( At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing the image content received from the 195 and the foreign account opening application information. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the foreign account opening request electronic document stored in the electronic document D / B 175 by the electronic document storage unit 170 may be stored in the image content received by the financial institution server 100 from the terminal device 195. A predetermined document file including image content including at least one or more of foreign customer information, passport information, and financial product information included in the overseas account opening application information by a watermarking method and the overseas account opening application information. (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). desirable.

According to the implementation method of the present invention, the electronic document management information stored in the electronic document D / B (175) by the electronic document storage unit 170 is processed in connection with the electronic account opening application electronic document, the foreign account opening Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 170 in conjunction with the application for opening an overseas account is the foreign account. It is preferable that the financial institution server 100 which has transmitted the opening application electronic document further includes the financial institution information which has been confirmed by the electronic document opening application electronic document confirmed.

According to another exemplary embodiment of the present invention, when the predetermined electronic document related information is further received from the financial institution server 100, the electronic document storage unit 170 processes the connection with the foreign account opening application electronic document and the The electronic document management information stored in the electronic document D / B 175 may include the received electronic document-related information (for example, foreign customer information written in an overseas account opening application corresponding to the image content, and / or opening the overseas account). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the application for opening an overseas account, etc.).

2A and 2B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea in a face-to-face manner according to one embodiment of the present invention. Drawing.

In more detail, FIGS. 2A and 2B are window terminals in which a terminal device 195 on the overseas account opening system shown in FIG. 1 is provided at a financial institution branch (or a branch), and the financial institution server 100 is predetermined. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, foreign workers whose customers are domestically work at domestic branches (or branches) through overseas branches (or branches). Or to open an overseas account opening application form that includes at least one of foreign customer information, passport information, and financial product information in order to open an overseas account for opening a financial account). It is about the configuration of a system for opening and processing overseas accounts in a face-to-face manner based on an application form. After filling out and submitting to the counter, the counter terminal acquires predetermined image contents corresponding to the overseas account opening application through a predetermined image acquisition device and transmits the predetermined image content to the financial institution server 100, and then the foreign account opening application. Entering (or selecting) the foreign account opening application information corresponding to the transfer to the financial institution server 100, the financial company server 100 includes at least one of the foreign customer information, passport information, financial product information It shows an implementation method of opening and processing the overseas account based on the application information for opening the overseas account.

Those skilled in the art to which the present invention pertains, various implementations to register the foreign account opening application information to the financial company server 100 in the window terminal by referring to and / or modified in the drawings 2a and 2b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 2A and 2B.

For example, although the implementation method shown in FIGS. 2A and 2B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas account and storing it in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. The present invention is not limited by this.

In addition, in the implementation method illustrated in FIGS. 2A and 2B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the overseas account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas account opening application information corresponding to the overseas account opening application is described as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

In the following Figures 2a and 2b, 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. 2A and 2B, a foreign customer whose domestic customer is working in Korea may obtain foreign customer information, passport information, and financial product information to open a financial account at an overseas branch (or branch) through a domestic branch (or branch). When a foreign bank account opening application form including at least one is prepared and submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network, and a predetermined communication channel is connected to the foreign bank account opening application. When a corresponding foreign worker working in Korea requests a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) (200), correspondingly, the server acquires a predetermined image from the terminal. Through the device, the predetermined image content corresponding to the application for opening an overseas account prepared by the customer is obtained, A user interface for transmitting to the server is generated (or extracted) (205), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (210).

Subsequently, the terminal acquires image contents corresponding to the overseas account opening application through a predetermined image acquisition device based on the user interface (215).

If image content corresponding to the foreign account opening application is obtained through the image acquisition device (220), the terminal transmits the obtained image content to the server through the financial network (225).

Thereafter, the server inputs (or selects) foreign account opening application information including at least one of foreign customer information, passport information, and financial product information corresponding to the overseas account opening application that matches the image content, and transmits it to the server. A user interface for generating (or extracting) a user interface is generated (230), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (235).

Thereafter, the terminal inputs (or selects) foreign account opening application information including at least one of the foreign customer information, passport information, and financial product information through the user interface (240).

If the foreign account opening application information including at least one of the foreign customer information, passport information, and financial product information is input (or selected) through the user interface (245), the terminal connects to the server through the financial network. The input (or selection) of the foreign account opening application information is transmitted (250).

Thereafter, the server receives and reads an overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the financial network to confirm the validity of the overseas account opening application information ( 255).

According to the method of the present invention, the validity of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B 190 on the financial system 185 associated with the foreign account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B (190) on (185).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

If the validity of the overseas account opening application information is not authenticated (260), the server generates predetermined financial account error information and transmits it to the terminal (265), and the overseas account corresponding to the overseas account opening application information Do not perform the opening procedure.

On the other hand, if the validity of the overseas account opening application information is authenticated (260), the server generates a predetermined foreign account opening application electronic document containing the image content (270).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the terminal device 195 through the image receiving unit 120 as a foreign worker working in the country as a domestic branch (or Branch offices), it is preferable to process an electronic document for the opening of an overseas account for opening a financial account of an overseas branch (or branch).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. The foreign worker who works in Korea may finance an overseas branch (or branch) through an domestic branch (or branch) of the image file corresponding to the image content including at least one or more pieces of information of the financial products by watermarking. It is preferable to create an electronic document for the opening of an overseas account for opening an account.

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 content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating a domestic office (or Branch offices), it is preferable to create an electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch office).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content (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 for opening an overseas account for opening a financial account of an overseas branch (or a branch).

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the overseas account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable that the foreign worker working in Korea generates an overseas account opening application electronic document for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating an image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content and the application for opening an overseas account. A document format (EDI) file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Application for opening an overseas account to open a financial account at an overseas branch (or branch) through a domestic branch (or branch) Castle it is preferable to.

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

Thereafter, the server stores the generated foreign account opening application electronic document in a predetermined electronic document storage (275).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated foreign account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the server sends the generated foreign account opening application electronic document to the electronic document storage on the DBMS provided in the foreign account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the foreign account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated foreign account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic account opening application electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, foreign customer information for creating an overseas account opening application corresponding to the image content, and / or financial institution information for transmitting the overseas account opening application electronic document, And / or the electronic document file format information, and / or the foreign account opening application information).

If the electronic document opening request electronic document is stored in the electronic document storage (280), the server is based on the foreign customer information, passport information, financial product information included in the foreign account opening application information based on the financial account information Create (285).

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 185, the financial account of the customer name including the financial account information on the basis of the foreign customer information, passport information, financial product information included in the foreign account opening application information Open the process (290).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the financial account opening application information in connection with the financial system 185 (or is matched with the foreign customer information and is provided with the pre-existing information). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby obtaining the foreign account opening application information. In response to the above, the foreign worker working in the country may open and process a predetermined financial account for opening a financial account of an overseas branch (or a branch) through a domestic branch (or a branch).

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates overseas account information including at least one of the foreign customer information, passport information, and financial product information included in the overseas account opening application information, and stores the foreign account information in a predetermined storage medium 180 (295).

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the foreign customer included in the received overseas account opening application information. Preferably, the storage medium 180 stores foreign account information including at least one of information, passport information, and financial product information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the foreign customer information included in the received foreign account opening application information. It is preferable to provide foreign account information including at least one passport information and financial product information as an information system through an external system on the financial system 185 and store the information in a DBMS provided on the financial system 185.

Thereafter, the server sets predetermined financial account opening history information (eg, the overseas account opening history, and / or the history of storing the overseas account opening application electronic document in the electronic document repository, and / or the storage medium 180). (299) to generate (or extract) the history of storing the foreign account opening application information to the terminal (299).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the overseas account opening system (or associated with the foreign account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) an overseas bank opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

3A and 3B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea in a face-to-face manner according to another embodiment of the present invention. One drawing.

3a and 3b show the terminal device 195 on the overseas account opening system shown in FIG. 1 at a financial institution branch (or branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, foreign workers whose customers are domestically work at domestic branches (or branches) through overseas branches (or branches). Or an overseas account opening application form including at least one of foreign customer information, passport information, and financial product information in order to open an overseas account for opening a financial account of a branch). As a system configuration for opening and processing overseas accounts in a face-to-face manner, specifically, the customer After filling out and submitting to the counter, the counter terminal inputs (or selects) an overseas account opening application information corresponding to the overseas account opening application form and transmits it to the financial institution server 100, and then through a predetermined image acquisition device. Obtaining predetermined image content corresponding to the overseas account opening application form and transmitting the predetermined image content to the financial institution server 100, the financial institution server 100 includes the at least one foreign customer information, passport information, financial product information; It shows an implementation method of opening and processing the overseas account based on the application information for opening the overseas account.

Those skilled in the art to which the present invention pertains, various implementations to register the foreign account opening application information to the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 3a and 3b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 3A and 3B.

For example, the implementation method illustrated in FIGS. 3A and 3B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas account and storing the electronic document in an electronic document repository. It may be omitted, thereby the present invention is not limited.

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

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

Referring to FIGS. 3A and 3B, a foreign customer whose domestic customer is working in Korea can obtain foreign customer information, passport information, and financial product information to open a financial account at an overseas branch (or branch) through a domestic branch (or branch). When a foreign bank account opening application form including at least one is prepared and submitted, the window terminal shown in FIG. 1 is connected to the server through a predetermined financial network, and a predetermined communication channel is connected to the foreign bank account opening application. When a corresponding foreign worker working in Korea requests a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) (300), in response, the server opens an overseas account created by the customer. Opening an overseas account including at least one foreign customer information, passport information and financial product information corresponding to the application form Generate (or extract) a user interface for inputting (or selecting) blue information to the server (305), and transmit and output the generated (or extracted) user interface to the terminal through the financial network. (310).

Thereafter, the terminal inputs (or selects) overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the user interface (315).

If the foreign account opening application information including at least one or more foreign customer information, passport information, and financial product information is input (or selected) through the user interface (320), the terminal connects to the server through the financial network. The input (or selection) of the foreign account opening application information is transmitted (325).

Thereafter, the server receives and reads an overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the financial network to confirm the validity of the overseas account opening application information ( 330).

According to the method of the present invention, the validity of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B 190 on the financial system 185 associated with the foreign account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferable to include a check that matches with the customer ledger stored in the ledger D / B 190 on the (185).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

If the validity of the overseas account opening application information is not authenticated (335), the server generates predetermined financial account error information and transmits it to the terminal (340), and the overseas account corresponding to the foreign account opening application information Do not perform the opening procedure.

On the other hand, if the validity of the overseas account opening application information is authenticated (335), the server acquires predetermined image content corresponding to the overseas account opening application written by the customer through a predetermined image acquisition device in the terminal and the server. A user interface for transmitting to the terminal is generated (or extracted) (345), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (350).

Thereafter, the terminal acquires image content corresponding to the foreign account opening application through a predetermined image obtaining apparatus based on the user interface (355).

If image content corresponding to the foreign account opening application is obtained through the image acquisition device (360), the terminal transmits the acquired image content to the server through the financial network (365).

The server that receives the overseas account opening application information and the image content from the terminal generates a predetermined overseas account opening application electronic document including the image content (370).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the terminal device 195 through the image receiving unit 120 as a foreign worker working in the country as a domestic branch (or Branch offices), it is preferable to process an electronic document for the opening of an overseas account for opening a financial account of an overseas branch (or branch).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. The image file corresponding to the image content including at least one or more information of the financial product information by the watermarking method, the foreign worker working in the domestic branch of the overseas branch (or branch) through the domestic branch (or branch) It is desirable to generate an electronic document for opening an overseas account to open a financial account.

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 content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating a domestic office (or Branch offices), it is preferable to create an electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch office).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (for example, a PDF (Portable Document Format) file or EDI) including the generated image content (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 for opening an overseas account for opening a financial account of an overseas branch (or a branch).

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the overseas account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable that the foreign worker working in Korea generates an overseas account opening application electronic document for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (eg, PDF (Portable) including the generated image content and the application for opening an overseas account. A document format (EDI) file, an EDI file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). Application for opening an overseas account to open a financial account at an overseas branch (or branch) through a domestic branch (or branch) It is desirable to produce.

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

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

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated foreign account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the server sends the generated foreign account opening application electronic document to the electronic document storage on the DBMS provided in the foreign account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the foreign account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated foreign account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic account opening application electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, foreign customer information for creating an overseas account opening application corresponding to the image content, and / or financial institution information for transmitting the overseas account opening application electronic document, And / or the electronic document file format information, and / or the foreign account opening application information).

If the electronic document opening request electronic document is stored in the electronic document storage (380), the server receives the financial account information based on the foreign customer information, passport information, financial product information included in the foreign account opening application information Create (385).

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 185, the financial account of the customer name including the financial account information on the basis of the foreign customer information, passport information, financial product information included in the foreign account opening application information Open process (390).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the financial account opening application information in connection with the financial system 185 (or is matched with the foreign customer information and is provided with the pre-existing information). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to apply for the opening of the overseas account. In response to the information, the foreign worker working in the domestic may open and process a predetermined financial account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates foreign account information including at least one of the foreign customer information, passport information, and financial product information included in the foreign account opening application information and stores the foreign account information in a predetermined storage medium 180 (395).

According to an exemplary embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the foreign customer included in the received foreign account opening application information. Preferably, the storage medium 180 stores foreign account information including at least one of information, passport information, and financial product information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the foreign customer information included in the received foreign account opening application information. It is preferable to provide foreign account information including at least one passport information and financial product information as an information system through an external system on the financial system 185 and store the information in a DBMS provided on the financial system 185.

Thereafter, the server sets predetermined financial account opening history information (eg, the overseas account opening history, and / or the history of storing the overseas account opening application electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) the details of storing the application for opening an overseas account in step 399.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the overseas account opening system (or associated with the foreign account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) an overseas bank opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

4A and 4B illustrate a process of opening an overseas account for a foreign employee who works in a face-to-face manner in order to open a financial account at an overseas branch (or branch) through a domestic branch (or branch) according to another embodiment of the present invention. Figure is shown.

4a and 4b show the terminal device 195 on the overseas account opening system shown in FIG. 1, which is provided at a financial institution branch (or branch), and the financial institution server 100 is a predetermined terminal. In the case of having a ledger server (not shown) function on the financial system 185 linked to the counter terminal through the financial network, foreign workers whose customers are domestically work at domestic branches (or branches) through overseas branches (or branches). Or an overseas account opening application form including at least one of foreign customer information, passport information, and financial product information in order to open an overseas account for opening a financial account of a branch). As a system configuration for opening and processing overseas accounts in a face-to-face manner, specifically, the customer After filling out and submitting to the counter, the counter terminal acquires predetermined image contents corresponding to the overseas account opening application through a predetermined image acquisition device and inputs overseas account opening application information corresponding to the overseas account opening application. After the (or select), the image content and the foreign account opening application information is transmitted to the financial company server 100, at least one of the foreign customer information, passport information, financial product information in the financial company server 100 It illustrates an implementation method of opening and processing the overseas account based on the foreign account opening application information that includes.

Those skilled in the art to which the present invention pertains, various implementations to register the foreign account opening application information to the financial company server 100 at the teller terminal by referring to and / or modifying the drawings 4a and 4b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 4A and 4B.

For example, the implementation method illustrated in FIGS. 4A and 4B includes a process of generating a predetermined electronic document corresponding to the application for opening an overseas account and storing the electronic document in an electronic document repository. The present invention is not limited by this.

In addition, in the method shown in FIGS. 4A and 4B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the overseas account opening application through a predetermined image acquisition device. In addition, the user interface for inputting (or selecting) overseas account opening application information corresponding to the overseas account opening application is described as being provided from the financial institution server 100, but a predetermined information registration program is provided in the window terminal. If provided, the user interface may not be provided from the financial institution server 100, thereby the present invention is not limited.

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

Referring to FIGS. 4A and 4B, a foreign customer whose domestic customer is working in Korea may obtain foreign customer information, passport information, and financial product information to open a financial account at an overseas branch (or branch) through a domestic branch (or branch). When a foreign bank account opening application form including at least one is prepared and submitted, the teller terminal shown in FIG. 1 is connected to the server through a predetermined financial network and connected to the server through a predetermined communication channel. When a corresponding foreign worker working in Korea requests a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) (400), the server correspondingly writes by the customer at the terminal. Input (or select) the overseas account opening application information corresponding to the overseas account opening application, and predetermined image acquisition device Generate (or extract) a user interface for acquiring and transmitting predetermined image content corresponding to the overseas account opening application through the server (405), and generate the generated (or extracted) user interface through the financial network. The transmission is output to the terminal (410).

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

If the foreign account opening application information including at least one of the foreign customer information, passport information, and financial product information is input (or selected) through the user interface (420), the terminal is based on the user interface. An image content corresponding to the overseas account opening application is obtained through the image acquisition device (425).

If image content corresponding to the overseas account opening application is obtained through the image acquisition device (430), the terminal transmits the overseas account opening application information and image content to the server through the financial network (435). .

Thereafter, the server receives and reads an overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the financial network to confirm the validity of the overseas account opening application information ( 440).

According to the method of the present invention, the validity of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B 190 on the financial system 185 associated with the foreign account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferably made to include matching with the customer ledger stored in the ledger D / B (190) on (185).

In addition, the validity confirmation of the information on the application for opening an overseas account can be confirmed by checking the passport information stored in the passport information management system linked to the overseas account opening system. It is desirable to include checking that the match with.

If the validity of the overseas account opening application information is not authenticated (445), the server generates predetermined financial account error information and transmits it to the terminal (450), and the overseas account corresponding to the overseas account opening application information Do not perform the opening procedure.

On the other hand, if the validity of the overseas account opening application information is authenticated (445), the server generates a predetermined overseas account opening application electronic document containing the image content (455).

According to an exemplary embodiment of the present invention, the server stores an image file including the image content received from the terminal device 195 through the image receiving unit 120 as a foreign worker working in the country as a domestic branch (or Branch offices), it is preferable to process an electronic document for the opening of an overseas account for opening a financial account of an overseas branch (or branch).

Alternatively, the server may include foreign customer information and passport included in the overseas account opening application information received through the information receiving unit 115 in the image content received from the terminal device 195 through the image receiving unit 120. An image file corresponding to an image content including at least one of information and financial product information in a watermarking method is used by a foreign worker working in the domestic office (or a branch) of an overseas branch (or branch). It is desirable to generate an electronic document for the opening of an overseas account for opening a financial account.

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 content received from the terminal device 195 through the image receiving unit 120. Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT), thereby creating a domestic office (or Branch offices), it is preferable to create an electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch office).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. Generating an image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (eg, a PDF (Portable Document Format) file) including the generated image content, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), the foreign worker working in the country may be a domestic branch (or a branch). It is preferable to generate an electronic document for opening an overseas account for opening a financial account of an overseas branch (or a branch) through.

According to another embodiment of the present invention, the server is the image content received from the terminal device 195 through the image receiving unit 120 and the overseas account opening application information received through the information receiving unit 115. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable that the foreign worker working in Korea generates an overseas account opening application electronic document for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

Alternatively, the server may include foreign customer information and passport information included in the overseas account opening application information received through the information receiving unit 115 on the image content received from the terminal device 195 through the image receiving unit 120. And generating an image content including at least one or more information of financial product information by a watermarking method, and a predetermined document file (for example, PDF (including PDF) including the generated image content and the foreign account opening application information. A foreign worker working in the country by generating a Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). The electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) It is desirable to produce.

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

Thereafter, the server stores the generated overseas account opening application electronic document in a predetermined electronic document storage (460).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 155 and an electronic document D / B 175 associated with a server on the overseas account opening system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated foreign account opening application electronic document to the electronic document server 155 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the server sends the generated foreign account opening application electronic document to the electronic document storage on the DBMS provided in the foreign account opening system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the foreign account opening application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated foreign account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic account opening application electronic document.

Further, the electronic document management information may include predetermined electronic document related information (eg, foreign customer information for creating an overseas account opening application corresponding to the image content, and / or financial institution information for transmitting the overseas account opening application electronic document, And / or the electronic document file format information, and / or the foreign account opening application information).

If the electronic document opening application electronic document is stored in the electronic document storage (465), the server is based on the foreign account information, passport information, financial product information included in the foreign account opening application information based on the financial account information Create (470).

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 185, the financial account of the customer name including the financial account information on the basis of the foreign customer information, passport information, financial product information included in the foreign account opening application information Is opened (475).

According to the implementation method of the present invention, the server is linked with the financial system 185 to generate a customer ledger including foreign customer information included in the application for opening a financial account (or matched with the foreign customer information) Check the customer ledger provided), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to apply for the opening of the overseas account. In response to the information, the foreign worker working in the domestic may open and process a predetermined financial account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

When the server and the financial system 185 are present in the same system according to an embodiment of the present invention, the server connects the financial account information to the ledger D / B 190 in association with the financial system 185. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 185 exist on another system connected through a predetermined communication means, the server is located on the financial system 185 through a predetermined communication means. It is preferable to request the general ledger D / B 190 on the other financial system 185 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates foreign account information including at least one of the foreign customer information, passport information, and financial product information included in the foreign account opening application information and stores the foreign account information in a predetermined storage medium 180 (480).

According to an embodiment of the present invention, when the storage medium 180 is provided in the server or on a network associated with the server, the server includes the foreign customer included in the received overseas account opening application information. Preferably, the storage medium 180 stores foreign account information including at least one of information, passport information, and financial product information.

According to another exemplary embodiment of the present invention, when the storage medium 180 is provided in the DBMS provided on the financial system 185, the server includes the foreign customer information included in the received foreign account opening application information. It is preferable to provide foreign account information including at least one passport information and financial product information as an information system through an external system on the financial system 185 and store the information in a DBMS provided on the financial system 185.

Thereafter, the server sets predetermined financial account opening history information (eg, the overseas account opening history, and / or the history of storing the overseas account opening application electronic document in the electronic document repository, and / or the storage medium 180). (B) storing (or extracting) the details of storing the application for opening an overseas account in step 485 and transmitting it to the terminal (485).

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on the financial system 185 provided on the overseas account opening system (or associated with the foreign account opening system), At this time, the storage medium 180 may be a ledger D / B 190 provided in the DBMS on the financial system 185, and / or a predetermined database associated with the ledger D / B 190, Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 180 is provided on (or associated with) an overseas bank opening system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

5 is a diagram illustrating a non-face-to-face overseas account opening system for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) according to another embodiment of the present invention. to be.

In more detail, FIG. 5 illustrates that when a predetermined customer provides the foreign institution opening application information including at least one predetermined foreign customer information, passport information, and financial product information through a predetermined financial account opening interface to the financial institution, On the basis of the information on the application for opening an overseas account at the financial institution, a foreign worker working in the country opens an overseas account for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch), and opens the overseas account. As a system configuration for storing foreign account information for management in a predetermined storage medium 575, those of ordinary skill in the art to which the present invention pertains, reference and / or modification of this figure 5 in Korea A year for a working foreign worker to open a financial account at an overseas branch (or branch) through a domestic branch (or branch). Would be able to infer a variety of exemplary methods for the account opening system arrangement, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 5.

For example, a person having ordinary knowledge in the technical field to which the present invention belongs may open an overseas account by omitting and implementing a method of storing the foreign account opening application electronic document in the electronic document repository by referring to and / or modifying the drawing 5. The system configuration may be inferred, and the DBMS in which the electronic document repository is located in the foreign account opening system, in addition to the implementation method shown in FIG. 5, may be stored even when the electronic document opening application electronic document is stored in the electronic document repository. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method illustrated in FIG. 5, the electronic document opening request electronic document is illustrated as being generated on the server side on the foreign account opening system, but the present invention is not limited thereto. The overseas account opening request electronic document may be generated on the terminal side which inputs (or selects) the overseas account opening application information (for example, the electronic document generation function provided on the server side is provided on the terminal side to provide the overseas document). Create an account opening request electronic document), by which the present invention is not limited.

Hereinafter, the foreign account opening application information is provided from the customer through a predetermined financial account opening interface on the overseas account opening system shown in FIG. 5 so that the customer opens the foreign account, and the corresponding overseas A component corresponding to at least one or more means and / or functional configurations for generating an account opening request electronic document and storing it in a predetermined electronic document repository is referred to as a "financial company server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, an overseas account opening system for opening a financial account of an overseas branch (or branch) by a foreign worker working in the domestic country (or branch) is used by a customer. And a terminal device 590 including at least one of a client terminal including at least one of a wired terminal and / or a wireless terminal, and the terminal apparatus 590 may be configured through a predetermined network means. A communication channel is connected to a financial institution server 500 provided on an overseas account opening system.

According to an embodiment of the present invention, the customer connects to the financial institution server 500 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network, Through the at least one user interface provided by the financial institution server 500, the foreign worker working in the country inputs application information for opening an overseas account for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch) ( Or)), it is preferable to transmit from the client terminal to the financial institution server 500 provided on the overseas account opening system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices 590 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; And / or a notebook, or a home appliance terminal (eg, a refrigerator, a set-top box, etc.) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. It is preferable to include one or more.

In addition, a wireless terminal connected to the wireless communication network includes all terminal devices 590 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE A generic term for all terminal devices 590 connected to the 802.16x-based portable Internet and / or all terminal devices 590 connected to the IEEE 802.11x-based wireless LAN, the CDMA based (and / or HSDPA based) mobile communication network. Connected Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or A personal digital assistant (PDA) and / or a smart phone and / or telematics, or a portable internet terminal connected to the IEEE 802.16x based portable internet, or the IEEE It is preferable to include at least one or more WLAN terminal connected to the 802.11x based WLAN.

In addition, the financial institution server 500 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to characteristics of the client terminal and network means. And / or a separate web server for registering the information.

In addition, the network means for connecting the client terminal and the financial institution server 500 is a CDMA-based (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable according to the type of wireless communication network connected to the client terminal Any one of the Internet and / or IEEE 802.11x-based wireless LAN, and / or includes a wireless communication network of all kinds proposed in the future, including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial institution server 500, input and / or select at least one information through the user interface, and transmit the same to the financial institution server 500. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the financial institution server 500, etc.) is provided.

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

In the foreign account opening system as described above, the client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial company server 500 and And / or the wireless communication network is a function of a financial account opening interface for the customer to register a foreign account opening application information for foreign workers working in the domestic to open a financial account of an overseas branch (or branch) through a domestic branch (or branch) Perform

According to another exemplary embodiment of the present invention, the terminal device 590 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include an automated teller machine (not shown) including a cash dispenser (CD), and / or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It may further comprise a predetermined call terminal (not shown) connected, and / or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or the Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with a financial institution may be further included, whereby the present invention is not limited.

In the overseas account opening system as described above, when the terminal device 590 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company server ( The financial network linking 500 is a financial account opening for a customer to register an application for opening an overseas account for foreign workers working in the country to open a financial account of an overseas branch (or branch) through a domestic branch (or branch). And / or the terminal device 590 is the call terminal (not shown), and the call terminal (not shown) and the call terminal (not shown) and the financial company server 500. A wired telephone network and / or a wireless telephone network that connects the customer to the foreign branch of the customer through the domestic branch (or branch) to open a financial account of a foreign branch (or branch) And a terminal (and / or server) provided in an institution affiliated with the financial institution, which is the terminal apparatus 590, and / or performs a function of a financial account opening interface for registering overseas account opening application information for the purpose of setting up the application. (Not shown), a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the financial institution server 500 may be used by the customer. The foreign worker performs a function of a financial account opening interface for registering foreign account opening application information for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

The storage medium 575 provided on the overseas account opening system according to the present invention includes at least the foreign customer information, passport information, and financial product information included in the overseas account opening application information provided from the terminal device 590. It is characterized by storing the foreign account information including one or more.

The foreign customer information may include personal information of the foreign customer (for example, the name of the foreign customer, the passport number information of the foreign customer, the foreign address of the foreign customer, the domestic residence address, the foreign family phone number, the domestic residence phone number, the mobile phone number, E-mail address, work information of the foreigner (e.g., work name, business registration number, name of representative, etc.), member information of the foreign customer (e.g., the customer registers as a financial transaction customer of the financial institution) And at least one member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system 580 associated with the foreign account opening system in response to the customer. desirable.

The passport information checks the information of the foreigner's nationality, address, etc. when the foreign customer requests to open an overseas account to an overseas branch (or a branch) of a country corresponding to the nationality of the foreign customer through the overseas account opening system. It is preferable to include at least one passport number, passport issuing country, and the like.

The financial product information may be opened through the overseas branch (or branch) when the foreign customer requests to open an overseas account to an overseas branch (or branch) of a country corresponding to the foreign customer's nationality through an overseas account opening system. In the case of a product name, an interest rate, and a savings formula for a financial account, it is preferable to include at least one or more monthly payment amount, monthly payment date, and the like.

According to an embodiment of the present invention, the storage medium 575 is preferably provided in a DBMS on the financial system 580 provided on the foreign account opening system (or associated with the foreign account opening system), In this case, the storage medium 575 may be a ledger D / B 585 provided in the DBMS on the financial system 580, and / or a predetermined database associated with the ledger D / B 585. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 575 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The financial company server 500 provided on the overseas account opening system according to the present invention is a generic term for the components of the foreign account opening system side connected to the terminal device 590 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the terminal device 590 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 500 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system 580 through the Internet banking system. A foreign system on the financial system 580 that is a server (or device), a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external world on the financial system 580, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 500 may be configured on the wireless banking system. Any server (or device) provided at a wireless banking server, and / or a program provided in the wireless banking server, and / or accessible to the external system of the financial system 580 through the wireless banking system. A server provided in the external system on the financial system 580 that is a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external system on the financial system 580, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial institution server 500 may be configured on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, and / or a program provided in the telebanking server, and / or through the telebanking system of the financial system 580. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system 580, and / or a program provided in the external system on the financial system 580, thereby limiting the present invention. It does not.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial institution server 500 is the TV banking. A predetermined TV banking server provided on the system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system 580 through the TV banking system ( Or a device), a program included in the server (or device), and / or external to the financial system 580 accessible through the TV banking server (and / or the server (or device)). It may be a server (or device), and / or a program provided in the external world on the financial system 580, whereby the present invention is not limited.

According to an embodiment of the present invention, the financial institution server 500 may include an interface unit 505 for connecting and managing a predetermined communication channel with the terminal device 590 through the network means.

According to an embodiment of the present invention, when the terminal device 590 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 505 is defined in the wired communication network and / or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on a protocol stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, if the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 505 connects a communication channel with the client terminal based on the TCP / IP protocol, It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the financial institution server 500 (eg, an internet banking program), the interface unit 505 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a financial automation device connected to a predetermined financial network, the interface unit 505 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 505 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 505 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial institution server 500, the interface unit 505 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 590 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 505 is connected to the wired telephone network and / or wireless. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a telephone network, and provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 505 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. To provide.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 505 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 5, when a predetermined terminal device 590 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, the foreign financial institution server 500 operates in the country. A worker inputs (or selects) predetermined overseas account opening application information from the terminal 590 to open a financial account of an overseas branch (or branch) through a domestic branch (or branch) to the financial institution server 500. Interface providing unit 510 for generating (or extracting) at least one user interface for transmitting and providing the generated (or extracted) user interface to the terminal device 590 in association with the interface unit 505. In addition, when the terminal apparatus 590 inputs (or selects) and transmits the overseas account opening application information through the user interface, the terminal unit 590 is connected to the interface unit 505. And an information receiving unit 515 for receiving the foreign account opening request information transmitted from the terminal device group 590 is characterized in that formed.

The interface providing unit 510 connects a predetermined communication channel with the financial institution server 500 through the interface unit 505, and then works with the financial institution server 500 domestically. When a foreign worker requests a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch), the terminal device 590 inputs (or selects) predetermined foreign account opening application information. Generate at least one user interface for transmission to the financial institution server 500 via the network means, and / or extract from a predetermined database (not shown), and generate the data in conjunction with the interface unit 505 The extracted user interface is provided to the terminal device 590 via the network means.

According to an embodiment of the present invention, when the terminal device 590 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 510 may include a browser program provided in the client terminal and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a financial automation device connected to a predetermined financial network, the interface providing unit 510 provides a financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and to provide the generated (or extracted) user interface to the automatic teller machine through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 510 is a browser program provided in the client terminal. And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided as a user interface, and generates the user interface (eg, ARS-based user interface) through the interface unit 505 to the call terminal (not shown). It is preferable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 590 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 510 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided as a user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 505.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined overseas account opening application information to the terminal device 590 and transmitting it to the financial institution server 500 through the network means is provided. When the predetermined information registration program is provided, the terminal generates (or extracts) a user interface for inputting (or selecting) predetermined foreign account opening application information as described above and transmitting it to the financial institution server 500. The interface providing unit 510 provided to the device 590 may be omitted, and the present invention is not limited thereto.

Subsequently, the terminal device 590 inputs (or selects) foreign account opening application information including at least one of the foreign customer information, passport information, and financial product information through the user interface. The foreign bank account opening application information to the financial institution server 500 through the network means, and correspondingly, the information receiving unit 515 is transmitted from the terminal device 590 in association with the interface unit 505. Characterized in that the application for receiving the overseas account opening application.

According to an exemplary embodiment of the present invention, the terminal device 590 requests to open the overseas account at the financial company server 500 in the foreign account opening application information including at least one of the foreign customer information, passport information, and financial product information. The financial company through the network means further comprises at least one or more of a predetermined password and / or security card information for confirming the validity of the information and / or OTP code generated through a predetermined one time password (OTP) generator, etc. It is preferable to transmit to the server 500.

According to an exemplary embodiment of the present invention, the terminal device 590 may include at least one encryption method (eg, symmetric key-based encryption) for overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information. Method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or attach a predetermined electronic signature to the foreign account opening application information. It is preferable to transmit to the financial institution server 500 through the network means, for this purpose, the terminal device 590 is provided with at least one encryption key corresponding to the encryption scheme, and / or at least one encryption Has a predetermined certificate containing a key, and / or the certificate has a predetermined IC chip (or IC card) If provided, it is preferred that the IC chip-card reader for identifying the certificate provided in (or IC card) is provided.

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

Referring to FIG. 5, when the financial institution server 500 receives the overseas account opening application information transmitted from the terminal device 590 through the information receiving unit 515, the received foreign account opening application information is displayed. It is characterized in that it comprises a validity check unit 520 to check whether the foreign worker working in the country satisfies the validity for opening the financial account of the overseas branch (or branch) through the domestic branch (or branch).

According to an embodiment of the present invention, the foreign account opening application information is at least one encryption method (e.g., symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 520 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted overseas account opening application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received foreign account opening application information.

Alternatively, when a predetermined electronic signature is attached to the overseas account opening application information, the validity confirming unit 520 checks the electronic signature attached to the overseas account opening application information, thereby receiving the received overseas account opening 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 overseas account opening application information, and technology for confirming an electronic signature attached to the foreign account opening application information. Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the overseas account opening application information, the validity checking unit 520, it is preferable to verify the validity of the received overseas account opening application information by comparing and authenticating the password included in the overseas account opening application information and the password provided corresponding to the customer on the DBMS. Do.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes predetermined security card information for checking the validity of the overseas account opening application information, the validity checking unit 520 Compares and authenticates the security card information included in the overseas account opening application information and the security card information provided corresponding to the customer on the DBMS to authenticate the validity of the received overseas account opening application information. desirable.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined OTP code for confirming the validity of the overseas account opening application information, the validity checking unit 520 may include: Comparing and authenticating the received OTP code included in the overseas account opening application information and the OTP code generated based on the predetermined OTP generation information provided to correspond to the customer on the DBMS, the received overseas account opening application information It is desirable to authenticate the validity of the.

According to the method of the present invention, the validity confirmation of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B (585) on the financial system 580 associated with the overseas account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (585) on (580).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

Referring to FIG. 5, when the validity of the overseas account opening application information is authenticated through the validity checking unit 520, the financial institution server 500 includes a predetermined overseas account including the received overseas account opening application information. An electronic document generation unit 525 for generating an opening application electronic document, and an electronic document transmission unit 530 for transmitting the generated overseas account opening application electronic document to an electronic document repository associated with the overseas account opening system; Characterized in that made.

The electronic document generation unit 525 generates an overseas account opening application electronic document including the overseas account opening application information received from the terminal device 590 through the information receiving unit 515.

According to one embodiment of the invention, the electronic document generation unit 525 is at least one foreign customer information, passport information, financial product information included in the foreign account opening application information received through the information receiving unit 515 A word processor file generating document content including the document content and including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the document content. , Or a web document file including MHT) is processed by the foreign worker working in the country as an electronic document for applying for opening an overseas account for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch). Do.

Alternatively, the electronic document generation unit 525 generates document content including at least one foreign customer information, passport information, financial product information included in the overseas account opening application information received through the information receiving unit 515 and The document contents include at least one of foreign customer information, passport information, and financial product information included in the application for opening an overseas account in a watermarking manner, and then include the document contents including the watermarking. 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). Opening an overseas account for a foreign worker working in Korea to open a financial account at an overseas branch (or branch) through a domestic branch (or branch) To process the electronic document to blue is preferred.

Alternatively, the electronic document generation unit 525 generates document content including at least one foreign customer information, passport information, financial product information included in the overseas account opening application information received through the information receiving unit 515 and And 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) by a foreign worker working in the country through a domestic branch (or a branch). It is preferable to process the electronic document for the opening of an overseas account for opening a financial account of a branch (or a branch).

Alternatively, the electronic document generation unit 525 generates document content including at least one foreign customer information, passport information, financial product information included in the overseas account opening application information received through the information receiving unit 515 and At least one of foreign customer information, passport information, and financial product information included in the overseas account opening application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory); After including one or more information in a watermarking manner, an overseas worker (or a branch) through an domestic branch (or branch) by a foreign worker working in the domestic image file including the image content including the watermarking. It is advisable to process electronic documents to open an overseas account for the opening of a financial account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 525 includes at least one foreign customer information, passport information, and financial product information included in the application for opening an overseas account received through the information receiving unit 515. A predetermined document file (for example, PDF (Portable Document)) including document content including the above-described document content and image content (eg, image content generated by capturing the document content on a memory) is captured. Format file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC, or web document file including MHT). Through the branch (or branch), it is recommended to process an overseas account opening application electronic document to open a financial account for the branch overseas (or branch). desirable.

Alternatively, the electronic document generation unit 525 generates document content including at least one foreign customer information, passport information, financial product information included in the overseas account opening application information received through the information receiving unit 515 and At least one of foreign customer information, passport information, and financial product information included in the overseas account opening application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory); Generating image content including at least one information in a watermarking manner, and including a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) containing the image content including the watermarking. Files, word processor files including at least one of HWP / DOC, etc., web document files including MHT, etc.) By generating a, it is preferable that the foreign worker working in the domestic process through the domestic branch (or branch) to the overseas account opening application electronic document for opening a financial account of the overseas branch (or branch).

According to another exemplary embodiment of the present invention, the electronic document generating unit 525 stores at least foreign customer information, passport information, and financial product information included in the foreign account opening application information received through the information receiving unit 515. A predetermined document including document content including at least one document content, and image content (eg, image content generated by capturing the document content on a memory) and the overseas account opening application information; By generating a file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT), The foreign worker who works in Korea opens an overseas account to open a financial account at an overseas branch (or branch) through a domestic branch (or branch). It is advisable to process the e-documents electronically.

Alternatively, the electronic document generation unit 525 generates document content including at least one foreign customer information, passport information, financial product information included in the overseas account opening application information received through the information receiving unit 515 and At least one of foreign customer information, passport information, and financial product information included in the overseas account opening application information in the image content captured by the document content (eg, the image content generated by capturing the document content on a memory); Generating an image content including at least one information by a watermarking method, a document file (eg, a PDF (Portable Document Format) file) including the watermarking image content and the application for opening an overseas account; Or a word processor file including at least one of an EDI (Electronic Data Interchange) file or an HWP / DOC. By creating a web document file including the MHT), the foreign worker working in the domestic process through the domestic branch (or branch) to process the overseas account opening application for the opening of the financial account of the overseas branch (or branch) desirable.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 525 is a technical feature of generating an electronic account opening application electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the electronic document application for overseas account opening, so a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 530 transmits and stores the electronic document opening application electronic document generated by the electronic document generating unit 525 to a predetermined electronic document repository associated with the overseas account opening system. do.

As shown in FIG. 5, the electronic document repository is connected to a financial company server 500 on the overseas account opening system and a predetermined electronic document server 550 and an electronic document D / B 570 connected through predetermined communication means. When provided externally, the electronic document transmission unit 530 is the electronic document server 550 generated by the electronic document generation unit 525 through the communication means the electronic document server 550 It characterized in that the transmission to.

Here, when the electronic document server 550 and the electronic document D / B 570 is provided outside the foreign account opening system, the electronic document server 550 and the electronic document D / B 570 is It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the foreign account opening system, the electronic document transmission unit 530 is generated by the electronic document generation unit 525. It is possible to store the electronic document opening application electronic document in the electronic document D / B 570 corresponding to the electronic document storage on the DBMS provided in the foreign account opening system, thereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 530 inputs electronic document related information (eg, the foreign account opening application information) for generating predetermined electronic document management information in the electronic document server 550. (Optional) foreign customer information transmitted, and / or financial institution information for transmitting the foreign account opening application electronic document, and / or electronic document file format information, and / or the foreign account opening application information, etc.). It is possible to transmit to the electronic document storage, thereby the present invention is not limited.

Referring to FIG. 5, the financial institution server 500 may include information on an application for opening an overseas account received through the information receiving unit 515 through a validity checking unit 520. When the validity for opening a financial account of an overseas branch (or a branch) is authenticated, the financial account is based on the foreign customer information, passport information, and financial product information included in the application for opening the overseas account. And an information creating unit 535 for generating information and an account opening unit 540 for opening and processing a financial account under the customer's name including the financial account information.

When the validity of the overseas account opening application information is confirmed by the validity confirming unit 520, the information generation unit 535 is the foreign customer information, passport information, financial product information included in the foreign account opening application information Based on the generated financial account information.

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

The account opening unit 540 generates a customer ledger including foreign customer information included in the financial account opening application information in connection with the financial system 580 (or a customer ledger that is matched with the foreign customer information and is provided in advance. To generate predetermined account ledger information including the financial account information, and then store the account ledger information in a predetermined account ledger associated with the customer ledger, so as to correspond to the overseas account opening application information. The foreign worker working in the country is characterized in that the opening of the predetermined financial account for opening the financial account of the overseas branch (or branch) through the domestic branch (or branch).

According to an exemplary embodiment of the present invention, when the financial institution server 500 and the financial system 580 exist in the same system, the account opening unit 540 may be linked with the financial system 580 in the ledger D / B. At 585, it is preferable to generate a predetermined account ledger including the financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 500 and the financial system 580 exist on another system connected through a predetermined communication means, the account opening unit 540 may use predetermined communication means. It is preferable to request the ledger D / B 585 on the other financial system 580 to generate a predetermined account ledger including the financial account information through an external system on the financial system 580.

Referring to FIG. 5, the financial institution server 500 may include information on an application for opening an overseas account received through the information receiving unit 515 through a validity checking unit 520. When the validity for opening a financial account of an overseas branch (or branch) is certified, the foreign customer information, passport information, and financial product information included in the validity of the overseas account opening application information are included. And an information storage unit 545 for storing the overseas account information in a predetermined storage medium 575.

When the validity of the overseas account opening application information is confirmed by the validity checking unit 520, the information storage unit 545 is the foreign customer information, passport information, financial product information included in the foreign account opening application information It is characterized in that for storing the foreign account information including at least one or more in the storage medium 575.

According to an exemplary embodiment of the present invention, when the storage medium 575 is provided in the financial institution server 500 or on the network associated with the financial institution server 500, the information storage unit 545 may be configured as the storage medium 575. Preferably, the storage medium 575 stores foreign account information including at least one of the foreign customer information, passport information, and financial product information included in the received foreign account opening application information.

According to another exemplary embodiment of the present invention, when the storage medium 575 is provided in the DBMS provided on the financial system 580, the information storage unit 545 is included in the received foreign account opening application information. Providing foreign account information including at least one of the foreign customer information, passport information, financial product information to the information system through the external system on the financial system 580 to store in the DBMS provided on the financial system 580 desirable.

Referring to FIG. 5, an electronic document that receives a predetermined overseas account opening application electronic document from the financial institution server 500 provided on the overseas account opening system and stores and manages the electronic document D / B 570 in a predetermined electronic document. The server 550 is an electronic document receiving unit 555 for receiving a predetermined overseas account opening application electronic document from the financial institution server 500 through a predetermined communication means, and the received overseas account opening application electronic document. An information generation unit 560 for generating predetermined electronic document management information for storage and management in the document D / B 570, and the electronic document management information and the electronic document opening application electronic document in a predetermined process. An electronic document storage unit 565 for storing the document D / B 570 is provided.

The electronic document receiving unit 555 may receive an electronic document opening application electronic document in the form of an image file and / or a document file from the financial institution server 500 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 555 receives the overseas account opening application electronic document received through the communication means, the financial company server 500 opened the overseas account received from the terminal device 590. Document files (e.g., Portable Document Format (PDF) files, EDI (Electronic Data Interchange) files, or HWPs) containing document contents including at least one of foreign customer information, passport information, and financial product information included in the application information. A word processor file including at least one of / DOC or the like, or a web document file including an MHT).

Alternatively, the foreign document opening request electronic document received by the electronic document receiving unit 555 through the communication means may be a foreign customer included in the overseas account opening application information received by the financial institution server 500 from the terminal device 590. Document information that includes at least one information, passport information, financial product information including at least one or more of the foreign customer information, passport information, financial product information included in the application for opening the foreign account in a watermarking method (Watermarking) 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 foreign document opening request electronic document received by the electronic document receiving unit 555 through the communication means may be a foreign customer included in the overseas account opening application information received by the financial institution server 500 from the terminal device 590. And an image file including image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one of information, passport information, and financial product information. desirable.

Alternatively, the foreign document opening request electronic document received by the electronic document receiving unit 555 through the communication means may be a foreign customer included in the overseas account opening application information received by the financial institution server 500 from the terminal device 590. The image content (e.g., image content generated by capturing the document content on a memory) captured in document content including at least one information, passport information, and financial product information is included in the foreign account opening application information. After at least one of the foreign customer information, passport information, financial product information including the watermarking (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 overseas document opening application electronic document received by the electronic document receiving unit 555 through the communication means is an overseas account received by the financial company server 500 from the terminal device 590. Image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one or more foreign customer information, passport information, and financial product information included in the application information. A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) It is preferable to comprise a.

Alternatively, the foreign document opening request electronic document received by the electronic document receiving unit 555 through the communication means may be a foreign customer included in the overseas account opening application information received by the financial institution server 500 from the terminal device 590. The image content (e.g., image content generated by capturing the document content on a memory) captured in document content including at least one information, passport information, and financial product information is included in the foreign account opening application information. Create a document content including at least one or more of the foreign customer information, passport information, financial product information in a watermarking method, and a document file (for example, PDF (Portable) containing the image content including the watermarking) A document that includes at least one document format (EDI) file, an electronic data interchange (EDI) file, or an HWP / DOC file. It is preferred which comprises a processor file, or web page file containing the MHT etc.).

According to another exemplary embodiment of the present invention, the overseas document opening application electronic document received by the electronic document receiving unit 555 through the communication means is received overseas by the financial company server 500 from the terminal device 590. Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of foreign customer information, passport information, and financial product information included in the account opening 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 of HWP / DOC, etc.) including the foreign account opening application information, or MHT It is preferable that the web document file including a).

Alternatively, the foreign document opening application electronic document received by the electronic document receiving unit 555 through the communication means may be included in the foreign account opening application information received by the financial institution server 500 from the terminal device 590. Include in the foreign account opening application information in the image content (e.g., image content generated by capturing the document content in memory) that captures document content including at least one of customer information, passport information, and financial product information. Generating image content including at least one or more information of the foreign customer information, passport information, and financial product information by a watermarking method, and including image content including the watermarking and application information for opening an overseas account; Document files (e.g., Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, HWP / DOC, etc.) It comprises a web page file, and so on) that include the word-processor file, or MHT comprising at least one are preferred.

The information generating unit 560 is a predetermined electronic document unique number (or unique information) to be assigned to the overseas account opening application electronic document received through the electronic document receiving unit 555, and through the electronic document receiving unit 555 And generating electronic document management information including electronic document storage date and time information including a date and time at which the overseas account opening application electronic document was received (or a date and time at which the foreign account opening application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 560 opens the overseas account with reference to the financial company server 500 that has transmitted the electronic document opening application electronic document received through the electronic document receiving unit 555. It is preferable to confirm the financial institution that has sent the application electronic document, and generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when the electronic document receiving unit 555 further receives a predetermined electronic document-related information from the financial institution server 500, the information generating unit 560 is the received electronics Document related information (e.g., foreign customer information transmitted by inputting (selecting) the overseas account opening application information, and / or financial institution information transmitting the foreign account opening application electronic document, and / or electronic document file format information, And / or the foreign account opening application information, etc.).

The electronic document storage unit 565 processes the electronic document management application generated through the electronic document receiving unit 555 and the electronic document management information generated through the information generation unit 560 in a predetermined electronic document. The D / B 570 may be stored.

According to the exemplary embodiment of the present invention, the foreign bank opening application electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the financial company server 500 by the terminal device 590. A document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic) containing document contents including at least one or more foreign customer information, passport information, and financial product information included in the application for opening an overseas account received from the foreign bank). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the electronic document opening application stored in the electronic document D / B 570 by the electronic document storage unit 565 may be an overseas account opening application received by the financial institution server 500 from the terminal device 590. Watermarking at least one or more of the foreign customer information, passport information, and financial product information included in the application for opening an overseas account in document contents including at least one foreign customer information, passport information, and financial product information included in the information. At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including document content including the watermarking after the watermarking method is included. Preferably includes a word processor file or a web document file including an MHT.

Alternatively, the electronic document opening application stored in the electronic document D / B 570 by the electronic document storage unit 565 may be an overseas account opening application received by the financial institution server 500 from the terminal device 590. An image including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of foreign customer information, passport information, and financial product information included in the information. It is preferable to include a file.

Alternatively, the electronic document opening application stored in the electronic document D / B 570 by the electronic document storage unit 565 may be an overseas account opening application received by the financial institution server 500 from the terminal device 590. The foreign account 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 foreign customer information, passport information, and financial product information included in the information. After including at least one or more of the foreign customer information, passport information, financial product information included in the application information by watermarking (Watermarking) method, and comprises an image file including the image content including the watermarking desirable.

According to another exemplary embodiment of the present invention, the foreign bank opening application electronic document stored in the electronic document D / B 570 by the electronic document storage unit 565 is the financial institution server 500 of the terminal device 590. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of foreign customer information, passport information, and financial product information included in the application for opening an overseas account received from A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) including an image content, or an MHT Web document files, etc.).

Alternatively, the electronic document opening application stored in the electronic document D / B 570 by the electronic document storage unit 565 may be an overseas account opening application received by the financial institution server 500 from the terminal device 590. The foreign account 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 foreign customer information, passport information, and financial product information included in the information. Document file including image content including at least one or more of the foreign customer information, passport information, financial product information included in the application for opening information by a watermarking method, and the image content including the watermarking For example, a war that includes at least one of a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. Deprocessor file, or web document file including MHT).

According to another embodiment of the present invention, the electronic document storage unit 565 is stored in the electronic document D / B 570, the overseas account opening application electronic document is the financial company server 500 is the terminal device ( Image content (eg, capturing the document content on the memory) which captures document content including at least one foreign customer information, passport information, and financial product information included in the foreign account opening application information received from 590. At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content generated by A word processor file, or a web document file including MHT).

Alternatively, the electronic document opening application stored in the electronic document D / B 570 by the electronic document storage unit 565 may be an overseas account opening application received by the financial institution server 500 from the terminal device 590. The foreign account 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 foreign customer information, passport information, and financial product information included in the information. Generate image content including at least one or more information of foreign customer information, passport information, and financial product information included in the application for opening by watermarking, and open the image content including the watermarking and open the overseas account. Document file containing the application information (for example, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) It comprises a web page file, and so on) that include the word-processor file, or MHT comprising at least one are preferred.

According to the embodiment of the present invention, the electronic document management information stored in the electronic document D / B 570 by the electronic document storage unit 565 in association with the foreign account opening application electronic document is stored in the overseas account opening. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 570 by processing the electronic document storage unit 565 in association with the overseas account opening application electronic document is the foreign account. It is preferable that the financial institution server 500 that transmits the opening application electronic document further includes the financial institution information transmitted by the electronic document opening application confirmation confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document-related information is further received from the financial institution server 500, the electronic document storage unit 565 processes the connection with the foreign account opening application electronic document and the The electronic document management information stored in the electronic document D / B 570 may include foreign customer information transmitted by inputting (selecting) the received electronic document related information (eg, the foreign account opening application information), and / or the overseas document. Financial institution information for transmitting the account opening request electronic document, and / or electronic document file format information, and / or the foreign account opening request information, etc.).

6A and 6B illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in the country in a non-face-to-face manner according to one embodiment of the present invention. One drawing.

In more detail, FIGS. 6A and 6B illustrate a web in which the terminal device 590 on the overseas account opening system shown in FIG. In the case of having a server function, a foreign worker whose domestic customer is working in Korea through the client terminal to open an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) If the foreign account opening application information including at least one foreign customer information, passport information, financial product information is provided, the foreign account including at least one foreign customer information, passport information, financial product information in the foreign account opening system Based on the application information for opening a foreign worker The present invention relates to an implementation method of opening and processing the overseas account for opening a financial account of an overseas branch (or a branch office), and having a general knowledge in the technical field to which the present invention pertains, FIGS. 6a and 6b. By referring to and / or modified to be able to infer various implementation methods for registering the foreign account opening application information from the client terminal to the financial institution server 500, the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in this figure 6a and 6b.

For example, although the method shown in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the overseas account opening application information and storing the electronic document in an electronic document storage, the process is not intended for the skilled person. As such, the present invention is not limited thereto.

6A and 6B provide a user interface through which the client terminal inputs (or selects) the overseas account opening application information through a predetermined web page provided by the financial institution server 500. 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 500, and the present invention is not limited thereto.

Hereinafter, in FIGS. 6A and 6B, the client terminal illustrated in FIG. 5 is referred to as a “terminal” for convenience, and the financial institution server 500 illustrated in FIG. 5 is referred to as a “server” for convenience. The foreign customer information, passport information, and financial product information transmitted to the financial company server 500 are referred to as "overseas account opening application information" for convenience.

6A and 6B, when the client terminal illustrated in FIG. 5 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 (and / or HSDPA-based) mobile communication network and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc.) to connect to the server to connect a predetermined communication channel, the domestic When a foreign worker working at a web site requests a web page including a user interface for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) (600), the server responds to the foreign customer information, User input to input (or select) overseas account opening application information including at least one of passport information and financial product information and transmit it to the server. A web page including an interface is generated (or extracted) (605), and a web page including the generated (or extracted) user interface is transmitted to the terminal and output (610) through the network means.

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

Thereafter, the terminal inputs (or selects) foreign account opening application information including at least one or more foreign customer information, passport information, and financial product information through the user interface included in the web page (615).

If the terminal inputs (or selects) foreign account opening application information including the foreign customer information, passport information, and financial product information through the user interface (620), the terminal receives the input through the communication channel ( Alternatively, the selected foreign customer information, passport information, financial product information is transmitted to the server (625).

According to an embodiment of the present invention, the terminal is for verifying the validity of the foreign account opening application information in the server to the foreign account opening application information including at least one or more foreign customer information, passport information, financial product information. Preferably, at least one or more of a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator are transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) and overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information. Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening an overseas account. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) and overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information. Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to the scheme, and / or having a predetermined certificate containing at least one encryption key, and / or having the certificate on a predetermined IC chip (or IC card). If there is, is provided with a card reader for checking the official certificate provided on the IC chip (or IC card) It is preferred.

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

Thereafter, the server receives and reads the foreign customer information, passport information, and financial product information through the communication channel to confirm the validity of the foreign account opening application information (630).

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

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

Those skilled in the art to which the present invention pertains check the technical characteristics of the various decryption methods for decrypting the encrypted overseas account opening application information and the electronic signature attached to the foreign account opening 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, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the overseas account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received overseas account opening application information by comparing and authenticating the password included in the overseas account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes predetermined security card information for checking the validity of the overseas account opening application information, the server opens the overseas account opening. It is preferable to authenticate the validity of the received foreign account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined OTP code for confirming the validity of the overseas account opening application information, the server requests to open the overseas account opening. The validity of the received foreign account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity confirmation of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B (585) on the financial system 580 associated with the overseas account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (585) on (580).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

If the validity of the overseas account opening application information is not authenticated (635), the server generates a web page including predetermined financial account error information and transmits the generated webpage to the terminal (640). Do not perform.

On the other hand, if the validity of the overseas account opening application information is authenticated (635), the server is a predetermined document content including at least one or more foreign customer information, passport information, financial product information including the foreign account opening application information In operation 645, a predetermined foreign account opening application electronic document including the document content is generated in operation 650.

According to an embodiment of the present invention, the server generates document content including at least one foreign customer information, passport information, financial product information included in the received foreign account opening 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 desirable that foreign workers working in Korea should be processed through the domestic branch (or branch office) as an electronic document for the opening of an overseas account for the opening of a financial account at an overseas branch (or branch branch).

Alternatively, the server generates document content including at least one foreign customer information, passport information, financial product information included in the received foreign account opening application information, the document content in the foreign account opening application information After including at least one or more information of the foreign customer information, passport information, financial product information included in the watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF (Portable Document Format) File, or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process an electronic document for opening an overseas account for opening a financial account of an overseas branch (or branch) through The.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an overseas account for opening a financial account of an overseas branch (or branch) by a foreign worker working in the country by an image file including an image content generated by capturing the document content on a memory). It is advisable to treat the application as an electronic document.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an image content generated by capturing the document content on a memory) includes at least one of foreign customer information, passport information, and financial product information included in the overseas account opening application information by a watermarking method. Thereafter, an image file including the image content including the watermarking is sent to the foreign account opening application electronic document for the foreign worker working in the country to open a financial account of an overseas branch (or branch) through a domestic branch (or branch). It is preferable to process.

According to another embodiment of the present invention, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and the document content A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that the foreign worker working in the country is a foreign branch (or branch) through a domestic branch (or branch). It is advisable to process electronic documents to open an overseas account for the opening of a financial account.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, the image content of capturing the document content (Capture) (E.g., image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information, passport information, and financial product information included in the overseas account opening application information by a watermarking method. And generating at least one document content including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the watermarking-containing image content. Working in the country by creating a word processor file, or a web document file including MHT) It is preferable that a foreign worker process a foreign account opening application electronic document for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch).

According to another embodiment of the present invention, the server generates document content including at least one foreign customer information, passport information, financial product information included in the received foreign account opening application information, the document content A predetermined document file (e.g., a Portable Document Format (PDF) file) containing the captured image content (e.g., image content generated by capturing the document content on a memory) and the overseas account opening application information, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), the foreign worker working in the country may be a domestic branch (or a branch). It is advisable to process the overseas account opening application electronic document to open a financial account of an overseas branch (or branch) through It is right.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information, passport information, and financial product information included in the overseas account opening application information in a watermarking manner. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC file) is generated that generates image content and includes the watermarking-containing image content and the foreign account opening application information. Generate a word processor file including at least one or more, or a web document file including an MHT) As such, it is desirable that the foreign workers in the country handled through domestic branches (or branches) in overseas account opening application documents for electronic banking account opening overseas branches (or branches).

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

Thereafter, the server stores the generated overseas account opening application electronic document in a predetermined electronic document storage (655).

As shown in FIG. 5, the electronic document repository includes an electronic document server 550 and an electronic document D / B 570 connected to a server on the overseas account opening system through a predetermined communication means. When provided in the, it is preferable that the server transmits the generated foreign account opening application electronic document to the electronic document server 550 through the communication means to store in the electronic document D / B (570).

Alternatively, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the server sends the generated foreign account opening application electronic document to the electronic document storage on the DBMS provided in the foreign account opening system. It is possible to store in the corresponding electronic document D / B 570, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the foreign account opening application electronic document in the electronic document storage, as shown in Figure 5 by the process of linking the generated foreign account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (570).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, foreign customer information transmitted by inputting (selecting) the overseas account opening application information, and / or a financial institution that transmits the overseas account opening application electronic document). Information, and / or electronic document file format information, and / or information on opening a foreign account, etc.).

If the electronic document opening request electronic document is stored in the electronic document storage (660), the server receives the financial account information based on the foreign customer information, passport information, financial product information included in the foreign account opening application information Generate 665.

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 580, the financial account of the customer name including the financial account information based on the foreign customer information, passport information, financial product information included in the foreign account opening application information Open process (670).

According to an embodiment of the present invention, the server generates a customer ledger including foreign customer information included in the application for opening a financial account in connection with the financial system 580 (or is matched with the foreign customer information and is provided with a pre-set). Check the customer ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, thereby obtaining the foreign account opening application information. In response to the above, the foreign worker working in the country may open and process a predetermined financial account for opening a financial account of an overseas branch (or a branch) through a domestic branch (or a branch).

When the server and the financial system 580 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 585 in association with the financial system 580. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 580 exist on another system connected through a predetermined communication means, the server is connected to the financial system 580 through a predetermined communication means. It is preferable to request the general ledger D / B 585 on the other financial system 580 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates overseas account information including at least one of the foreign customer information, passport information, and financial product information included in the overseas account opening application information and stores it in a predetermined storage medium 575 (675).

According to an embodiment of the present invention, when the storage medium 575 is provided in the server or on a network associated with the server, the server may include the foreign customer included in the received foreign account opening application information. It is preferable to store the foreign account information including at least one information, passport information, financial product information in the storage medium 575.

According to another exemplary embodiment of the present invention, when the storage medium 575 is provided in the DBMS provided on the financial system 580, the server includes the foreign customer information included in the received foreign account opening application information. It is preferable to provide foreign account information including at least one passport information and financial product information as an information system through an external system on the financial system 580 and store the information in a DBMS provided on the financial system 580.

Subsequently, the server sets predetermined financial account opening history information (eg, the overseas account opening history, and / or the details of storing the overseas account opening application electronic document in the electronic document repository, and / or the storage medium 575). (B) storing (or extracting) the details of storing the application for opening an overseas account in step 680 and transmitting it to the terminal (680).

According to an embodiment of the present invention, the storage medium 575 is preferably provided in a DBMS on the financial system 580 provided on the foreign account opening system (or associated with the foreign account opening system), In this case, the storage medium 575 may be a ledger D / B 585 provided in the DBMS on the financial system 580, and / or a predetermined database associated with the ledger D / B 585. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 575 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

7A and 7B and 7C illustrate a process of opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch) by a foreign worker working in Korea according to one embodiment of the present invention. Drawing.

In more detail, FIGS. 7A, 7B, and 7C illustrate the case in which the overseas account opening system shown in FIG. 5 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the overseas account opening shown in FIG. 5). In the case where the financial institution server 500 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. Thereafter, the foreign terminal working in the domestic at the client terminal through the domestic branch (or branch) through the domestic branch (or branch) in order to open a foreign account for opening a financial account of the overseas branch (or branch) through the Internet banking information At least one foreign customer information, passport information, financial product information from the Internet banking server is transmitted to the server. Based on the information on the application for opening an overseas account, the foreign worker working in the domestic country opens an overseas account for opening and processing a financial account at an overseas branch (or branch) through a domestic branch (or branch). Those skilled in the art to which the present invention pertains can refer to and / or modify the drawings 7a, 7b and 7c to register the foreign account opening application information through other types of non-face-to-face financial transaction channels. Although the implementation method may be inferred, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIGS. 7A, 7B, and 7C.

That is, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 7A, 7B, and 7C, Although an implementation method of connecting an internet banking-based financial transaction channel for registering an overseas account opening application information between the client terminal and the internet banking server based on the browser program is illustrated, the present disclosure has a general knowledge in the art. Growing up, the client based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 7A, 7B, and 7C. Terminal and Internet Banking Book Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering an overseas account opening application information, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, Thereby, this invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 7a, 7b and 7c, Another banking system, such as a telebanking system and / or a wireless banking system and / or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering an overseas account opening information. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in Figs. 7A, 7B and 7C.

In addition, although the embodiment shown in FIGS. 7A, 7B, and 7C 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.

7A, 7B, and 7C, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the financial institution server 500 is referred to as " server "

7A, 7B, and 7C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (700a), the server connects the terminal and the server through the browser. The communication channel is connected to the communication channel (705a), 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 a browser program included in the web browser.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 720a.

If the terminal does not need to install and / or update the latest version of the Internet banking security module (725a), or if the terminal does not need to mount and / or update the Internet banking security module (715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (730a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and also provided by the terminal to the server for registration of foreign account opening application information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (735a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Requesting 740a, the server (and / 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. (745a).

If the Internet banking customer authentication fails (750a), the server blocks the Internet banking security channel for the terminal (755a), 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 (750a), 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 (760a), where the Internet banking based The financial transaction channel refers to the registration of foreign workers who work in Korea from the terminal to the server by sending predetermined overseas account opening application information for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch). It means communication channel.

Thereafter, the terminal comprises a web page including a user interface for opening a financial account of an overseas branch (or branch) by a foreign worker working in the country through the domestic branch (or branch) to the server through an internet banking-based financial transaction channel. In response to the request (700b), in response, the server inputs (or selects) an overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information, and transmits it to the server. Generate (or extract) a web page including (705b), and transmit and output a web page including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (710b). .

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

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times according to the procedure for registering the foreign account opening application information, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information through the financial account opening interface (715b).

If the terminal inputs (or selects) foreign account opening application information including the foreign customer information, passport information, and financial product information through the user interface (720b), the terminal receives the input through the financial transaction channel. (Or selected) transmits the selected foreign account opening application information to the server (725b).

According to an embodiment of the present invention, the terminal is for verifying the validity of the foreign account opening application information in the server to the foreign account opening application information including at least one or more foreign customer information, passport information, financial product information. At least one or more of a predetermined password and / or security card information and / or a predetermined one time password (OTP) generator is preferably transmitted to the server through the network means. .

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) and overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information. Or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.), and / or attach a predetermined electronic signature to the application for opening an overseas account. It is preferable to transmit to the server through, for this purpose, the terminal is provided with at least one encryption key corresponding to the encryption scheme, and / or a predetermined public certificate including at least one encryption key, And / or when the official certificate is provided on a predetermined IC chip (or IC card), the IC chip (and It is equipped with a card reader for identifying the certificate provided in the IC card) it is preferred.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method) and overseas account opening application information including at least one of the foreign customer information, passport information, and financial product information. Or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method) and transmit the encrypted data to the server through the network means. Either having at least one encryption key corresponding to an encryption method, and / or having a predetermined certificate containing at least one encryption key, and / or the certificate is placed on a predetermined IC chip (or IC card). If provided, a card reader for checking the official certificate provided on the IC chip (or IC card) is provided This is preferred.

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

Thereafter, the server receives and reads the overseas account opening application information through the financial transaction channel to check the validity of the overseas account opening application information (730b).

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

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

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

According to an embodiment of the present invention, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined password for confirming the validity of the overseas account opening application information, the server may be configured as described above. It is preferable to authenticate the validity of the received overseas account opening application information by comparing and authenticating the password included in the overseas account opening application information with the password provided corresponding to the customer on the DBMS.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes predetermined security card information for checking the validity of the overseas account opening application information, the server opens the overseas account opening. It is preferable to authenticate the validity of the received foreign account opening application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the overseas account opening application information received through the information receiving unit 515 further includes a predetermined OTP code for confirming the validity of the overseas account opening application information, the server requests to open the overseas account opening. The validity of the received foreign account opening application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the customer on the DBMS. It is desirable to.

According to the method of the present invention, the validity confirmation of the foreign account opening application information is matched with the foreign account opening application information in the ledger D / B (585) on the financial system 580 associated with the overseas account opening system It is preferable to include checking whether at least one ledger information is registered.

For example, the validation of the overseas account opening application information may include a financial system in which the foreign customer information (customer personal information or member information, etc.) is linked to the overseas account opening system among information included in the overseas account opening application information. It is preferable to include checking whether it matches with the customer ledger stored in the ledger D / B (585) on (580).

In addition, the validity confirmation of the information on the application for opening an overseas account may include: passport information held by the foreigner among information included in the application for opening an overseas account and information stored on a passport information management system linked to the system for opening an overseas account. It is desirable to include checking that a match is found.

If the validity of the overseas account opening application information is not authenticated (735b), the server generates a web page including predetermined financial account error information and transmits it to the terminal (740b), and the procedure of opening the overseas account opening procedure is performed. Do not perform.

On the other hand, if the validity of the overseas account opening application information is authenticated (735b), the server may provide predetermined document contents including at least one foreign customer information, passport information, and financial product information including the overseas account opening application information. And a predetermined overseas account opening application electronic document including the document contents is generated (745c).

According to an embodiment of the present invention, the server generates document content including at least one foreign customer information, passport information, financial product information included in the received foreign account opening 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 desirable that foreign workers working in Korea should be processed through the domestic branch (or branch office) as an electronic document for the opening of an overseas account for the opening of a financial account at an overseas branch (or branch branch).

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, the document content included in the foreign account opening application information A document file (for example, a PDF (Portable Document Format) file) including document content including the watermarking after including at least one information of foreign customer information, passport information, and financial product information by a watermarking method Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is advisable to process an electronic document for opening an overseas account to open a financial account at an overseas branch (or branch). All.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an overseas account for opening a financial account of an overseas branch (or branch) by a foreign worker working in the country by an image file including an image content generated by capturing the document content on a memory). It is advisable to treat the application as an electronic document.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information, passport information, and financial product information included in the application for opening an overseas account in a watermarking manner. The image file including the image contents including the watermarking is processed by the foreign worker working in the country as an electronic document for applying for opening an overseas account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch). It is desirable to.

According to another embodiment of the present invention, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and the document content A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file) including captured image content (eg, image content generated by capturing the document content on a memory); Or a word processor file including at least one of HWP / DOC, or a web document file including MHT, etc.), so that the foreign worker working in the country is a foreign branch (or branch) through a domestic branch (or branch). It is advisable to process electronic documents to open an overseas account for the opening of a financial account.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information, passport information, and financial product information included in the overseas account opening application information in a watermarking manner. Generating image content, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the watermarking Working in the country by creating a word processor file, or a web document file containing MHT) It is preferable that a foreign worker process a foreign account opening application electronic document for opening a financial account at an overseas branch (or branch) through a domestic branch (or branch).

According to another embodiment of the present invention, the server generates document content including at least one foreign customer information, passport information, financial product information included in the received foreign account opening application information, the document content A predetermined document file (e.g., a Portable Document Format (PDF) file) containing the captured image content (e.g., image content generated by capturing the document content on a memory) and the overseas account opening application information, or By creating an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), the foreign worker working in the country may be a domestic branch (or a branch). It is recommended that the application be processed as an electronic document for the opening of an overseas account for the opening of a financial account of an overseas branch (or branch) through It is.

Alternatively, the server generates document content including at least one or more foreign customer information, passport information, financial product information included in the received foreign account opening application information, and captures the image content (captured) For example, an image content generated by capturing the document content on a memory) includes at least one or more information of foreign customer information, passport information, and financial product information included in the overseas account opening application information in a watermarking manner. A document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) that generates image content and includes the image content including the watermarking and the foreign account opening application information. Generate a word processor file including at least one DOC, or a web document file including MHT) By doing so, it is preferable that the foreign worker working in the domestic is processed through the domestic branch (or branch) as an electronic document for opening an overseas account opening application for opening a financial account of an overseas branch (or branch).

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

Thereafter, the server stores the generated overseas account opening application electronic document in a predetermined electronic document storage (755c).

As shown in FIG. 5, the electronic document repository includes an electronic document server 550 and an electronic document D / B 570 connected to a server on the overseas account opening system through a predetermined communication means. When provided in the, it is preferable that the server transmits the generated foreign account opening application electronic document to the electronic document server 550 through the communication means to store in the electronic document D / B (570).

Alternatively, when the electronic document storage is provided on the DBMS provided in the foreign account opening system, the server sends the generated foreign account opening application electronic document to the electronic document storage on the DBMS provided in the foreign account opening system. It is possible to store in the corresponding electronic document D / B 570, whereby the present invention is not limited.

According to the implementation method of the present invention, storing the foreign account opening application electronic document in the electronic document storage, as shown in Figure 5 by the process of linking the generated foreign account opening application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (570).

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

In addition, the electronic document management information preferably further comprises information on the financial institution that sent the electronic account opening application electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, foreign customer information transmitted by inputting (selecting) the overseas account opening application information, and / or a financial institution that transmits the overseas account opening application electronic document). Information, and / or electronic document file format information, and / or information on opening a foreign account, etc.).

If the electronic document opening request electronic document is stored in the electronic document storage (760c), the server receives the financial account information based on the foreign customer information, passport information, financial product information included in the foreign account opening application information Generate 765c.

Herein, the financial account information may include an account number and an interest rate information corresponding to the overseas account opened based on the application for opening the overseas account, and when the overseas account includes a savings attribute, It is preferable that the subscription period, payment date and time and payment amount information are further included.

Thereafter, the server is linked to the financial system 580, the financial account of the customer name including the financial account information based on the foreign customer information, passport information, financial product information included in the foreign account opening application information Is opened (770c).

According to the method of the present invention, the server is linked with the financial system 580 to generate a customer ledger including foreign customer information included in the application for opening a financial account (or matched with the foreign customer information) Check the customer ledger provided), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger to apply for the opening of the overseas account. In response to the information, the foreign worker working in the domestic may open and process a predetermined financial account for opening a financial account of an overseas branch (or branch) through a domestic branch (or branch).

When the server and the financial system 580 are present in the same system according to an exemplary embodiment of the present invention, the server connects the financial account information to the ledger D / B 585 in association with the financial system 580. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 580 exist on another system connected through a predetermined communication means, the server is connected to the financial system 580 through a predetermined communication means. It is preferable to request the general ledger D / B 585 on the other financial system 580 to generate a predetermined account ledger including the financial account information through the external system.

Thereafter, the server generates foreign account information including at least one of the foreign customer information, passport information, and financial product information included in the foreign account opening application information and stores the foreign account information in a predetermined storage medium 575 (775c).

According to an embodiment of the present invention, when the storage medium 575 is provided in the server or on a network associated with the server, the server may include the foreign customer included in the received foreign account opening application information. It is preferable to store the foreign account information including at least one information, passport information, financial product information in the storage medium 575.

According to another exemplary embodiment of the present invention, when the storage medium 575 is provided in the DBMS provided on the financial system 580, the server includes the foreign customer information included in the received foreign account opening application information. It is preferable to provide foreign account information including at least one passport information and financial product information as an information system through an external system on the financial system 580 and store the information in a DBMS provided on the financial system 580.

Subsequently, the server sets predetermined financial account opening history information (eg, the overseas account opening history, and / or the details of storing the overseas account opening application electronic document in the electronic document repository, and / or the storage medium 575). (B) storing (or extracting) the details of storing the overseas account opening application information in step 780c.

According to an embodiment of the present invention, the storage medium 575 is preferably provided in a DBMS on the financial system 580 provided on the foreign account opening system (or associated with the foreign account opening system), In this case, the storage medium 575 may be a ledger D / B 585 provided in the DBMS on the financial system 580, and / or a predetermined database associated with the ledger D / B 585. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 575 is an Internet banking system, and / or a telebanking system, and / or a wireless banking system provided on (or associated with) the foreign account opening system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

8 is a diagram illustrating a face-to-face financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch according to an embodiment of the present invention.

In more detail, Fig. 8 shows a financial transaction system through a predetermined financial transaction interface for a given customer to send an overseas account information, a remittance request amount information, and a remittance to a foreign account opened by a foreign customer through an overseas branch. When providing the foreign remittance request information including at least one approval information, the foreign customer using the foreign account information, the remittance request amount information and the remittance authorization information included in the provided foreign remittance request information in the financial transaction system The present invention relates to a system for providing a financial transaction for remittance processing to an overseas account opened through an overseas branch. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. Financial transaction system for remittance processing to overseas accounts opened by foreign customers through overseas branches Would be able to infer a variety of exemplary methods for the configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 8.

Hereinafter, the financial transaction for the remittance processing to the foreign account opened by the foreign customer through the overseas branch by using the foreign remittance request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for providing a transaction is referred to as " financial transaction server 800 " for convenience, and the financial transaction server in FIG. 800 preferably comprises an accounting system on a financial system connected to at least one or more window terminals through a predetermined financial network, but FIG. 8 illustrates the financial transaction server 800 for convenience of explanation. Although illustrated as a ledger server between, the present invention is not limited thereby.

Referring to FIG. 8 according to an embodiment of the present invention, a financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch includes a teller terminal provided at at least one branch of a financial institution. The financial transaction terminal 835 and the financial network (eg, our network) to which the financial transaction terminal 835 is connected, and are connected to the financial transaction terminal 835 through the financial network to allow the foreign customer to It includes a financial transaction server 800 for processing a financial transaction for remittance processing to an overseas account opened through the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5. Characterized in that made.

The financial system that processes the at least one financial transaction service through the foreign account opened through the overseas account opening system shown in FIG. 1 or 5 in connection with the financial transaction server 800 is a branch of the financial institution. (And / or a branch) is connected to at least one or more teller terminal and a predetermined financial network (for example, the branch network), and the face-to-face of the at least one financial transaction customer through the teller terminal Provide financial transaction services.

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

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

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

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

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

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

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

Referring to FIG. 8, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 5 It characterized in that it comprises a predetermined account ledger corresponding to the foreign account opened through the overseas account opening system shown in.

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

According to the method of the present invention, the customer visits the financial institution branch for remittance processing to the overseas account opened by the foreign customer through an overseas branch, and through the window (or window) provided in the financial institution branch At least one item of information for the remittance process to a foreign account opened by a foreign customer through an overseas branch (e.g., a remittance to an overseas account opened by the foreign customer through an overseas branch) A document with a form for filling out the form and submitting the completed application to the counter employee, the counter clerk will provide the overseas account information, the remittance request amount information and the remittance authorization, which are filled in the application through a predetermined counter terminal. Information is input (or selected), and the counter terminal transfers the input (or selected) foreign account information and the remittance request amount information and the transfer. To transmit the international transfer request information including the authorization information to the at least one financial transaction server 800 provided on the banking system through the financial network is preferred.

Here, the financial transaction terminal 835 preferably comprises a teller terminal used by the teller staff provided in the branch of the financial institution, the financial transaction server 800 is connected to the teller terminal on the predetermined financial system It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 800 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 800. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller employee, and a finance network connecting the teller terminal and the financial transaction server 800 are used by the foreign customer. It functions as a financial transaction interface for registering overseas remittance request information for remittance to overseas accounts opened through branches.

The foreign remittance request information transmitted from the financial transaction terminal 835 to the financial transaction server 800 for the remittance processing to the overseas account opened by the foreign customer through a predetermined overseas account information and remittance And at least one request amount information and remittance approval information.

The foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the overseas account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact information (eg, name of a contact person who opened and is in charge of the overseas account, a contact person code, etc.) may be further included.

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing one or more validity, characterized in that it comprises at least one or more passwords corresponding to the financial transaction.

The financial transaction server 800 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 835 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 835 is a window terminal connected to a predetermined financial network, the financial transaction server 800 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, the financial transaction server 800 includes an interface unit 805 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 835 through the financial network. Characterized in that made.

According to an embodiment of the present invention, when the financial transaction terminal 835 is a window terminal connected to a predetermined financial network, the interface unit 805 may be connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 8, the financial transaction server 800 may be configured such that a predetermined financial transaction terminal 835 connects a communication channel with the financial transaction server 800 through the interface unit 805, and / or the communication. When the foreign customer requests a financial transaction for remittance processing to an overseas account opened through an overseas branch through a channel, predetermined foreign remittance request information in the financial transaction terminal 835 is linked with the interface unit 805. And an interface providing unit 810 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the predetermined user interface to the financial transaction terminal 835. If the financial transaction terminal 835 includes a predetermined terminal-side banking program including the user interface, the interface providing unit 810 is omitted. It is preferable.

The interface providing unit 810 may be configured such that a predetermined financial transaction terminal 835 connects a communication channel with the financial transaction server 800 through the interface unit 805, and / or the foreign customer through the communication channel. When requesting a financial transaction for remittance processing to an overseas account opened through the overseas branch, the financial remittance request information is input (or selected) in response to the functional configuration provided in the financial transaction terminal 835. Generate a predetermined user interface that can be transmitted to the financial transaction server 800 through a network, and / or extract from a predetermined database (not shown), and generate (or extract) in conjunction with the interface unit 805. ) Provides the user interface to the financial transaction terminal 835 through the financial network.

According to an embodiment of the present invention, when the financial transaction terminal 835 is a window terminal connected to a predetermined financial network, the interface providing unit 810 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 805.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) the foreign money transfer request information to the financial transaction terminal 835 and transmitting the information to the financial transaction server 800 through the financial network is provided. When a predetermined terminal-side banking program is provided, the interface providing unit 810 for providing the user interface to the financial transaction terminal 835 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) overseas remittance request information including at least one or more foreign account information, remittance request amount information, and remittance approval information, and transmits the remittance request information to the financial transaction server 800. It is preferable to include an interface function to make.

Referring to FIG. 8, the financial transaction server 800 may provide the foreign transaction request information including at least one of overseas account information, remittance request amount information, and remittance approval information through the user interface at the financial transaction terminal 835. When receiving (or selecting) and transmitting, the information receiving unit 815 for receiving the international remittance request information including at least one of the overseas account information, remittance request amount information and remittance approval information in conjunction with the interface unit 805 (Or information receiving means), and a validity checking unit 825 (or validating means) for checking the validity of the foreign account information, the remittance request amount information and the remittance approval information included in the received overseas remittance request information; In connection with the financial system, the foreign customer is opened through an overseas branch based on the information of the requested overseas remittance request. In connection with the financial transaction processing unit 830 (or financial transaction processing unit) and the financial transaction processing unit 830 for processing a financial transaction for remittance to an overseas account, the foreign customer opened through an overseas branch. An information transmitter 820 for generating predetermined overseas remittance result information for a financial transaction for remittance processing and transmitting the foreign remittance result information to the financial transaction terminal 835 in association with the interface unit 805. (Or information transmission means).

The financial transaction terminal 835 inputs (or selects) foreign remittance request information including at least one of the foreign account information, the remittance request amount information, and the remittance approval information through the user interface, and the financial transaction through the financial network. Characterized in that the transmission to the transaction server (800).

The information receiving unit 815 inputs (or selects) foreign remittance request information including at least one or more foreign account information, remittance request amount information, and remittance approval information through the user interface at the financial transaction terminal 835. When transmitting through the financial network, it is characterized in that receiving the international remittance request information in conjunction with the interface unit 805, and provides the received international remittance request information to the validity verification unit 825.

The foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, Customer information (eg, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the foreign account), financial institution information (eg, bank name, or bank code), branch information (eg, Sales office code), contact information (eg, name of a contact person who opened and is in charge of the overseas account, a contact person code, etc.) may further include at least one or more.

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing at least one validity, characterized in that comprises at least one password corresponding to the foreign account, or a password corresponding to the financial transaction.

The validity confirming unit 825 is characterized in that whether the overseas remittance request information received from the financial transaction terminal 835 satisfies the validity for the remittance process to the foreign account opened by the foreign customer through the overseas branch .

According to an embodiment of the present invention, the validity of the overseas remittance request information is determined by the account ledger (or the account book) for the financial account corresponding to the foreign account information included in the overseas remittance request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the overseas account is provided, and, if the account ledger (or the customer ledger corresponding to the overseas account) is provided, the validity of the overseas remittance request information is authenticated. It is preferable to be.

In addition, the validity confirmation of the overseas remittance request information includes the amount deposited in the overseas account (eg, the account ledger provided in the ledger D / B on the financial system corresponding to the overseas account) in the overseas remittance request information. It is preferable to include whether the amount is greater than the remittance request amount, and the validity of the overseas remittance request information is preferably authenticated when the overseas account balance is greater than the remittance request amount.

In addition, the validation of the overseas remittance request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the foreign account corresponding to the remittance approval information included in the overseas remittance request information And comparing the various passwords (or linked) with each other, and checking whether the various passwords corresponding to the remittance approval information match, and requesting the international remittance when the various passwords corresponding to the remittance approval information match. It is desirable that the validity of the information be authenticated.

When the validity of the overseas remittance request information is confirmed, the financial transaction processing unit 830 is linked with a financial system equipped with an account ledger corresponding to the overseas account, the overseas account information and the remittance request included in the overseas remittance request information. On the basis of the amount information and the remittance approval information, it is characterized in that for processing the financial transaction for the remittance processing to the foreign account opened by the foreign customer through the overseas branch.

According to the implementation method of the present invention, the foreign remittance processing corresponding to the request of the foreign customer, the foreign currency opening system shown in Figure 1 or 5 in the won amount presented by the foreign customer in connection with the financial system; It is preferable to exchange the currency into the local currency corresponding to the opened country and transfer it to an overseas account held by the foreign customer.

According to another exemplary embodiment of the present invention, the overseas remittance processing corresponding to the request of the foreign customer may include a portion (or the total amount) of the won amount deposited in the domestic account held by the foreign customer in FIG. 1 or 5. It is preferable to convert the foreign currency into a local currency corresponding to the opened country through the foreign account opening system, and transfer the money to an overseas account held by the foreign customer.

Herein, the foreign customer's interest rate provided by the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5 and the interest rate provided by the financial product held by the domestic foreign customer (or It is desirable to compare the rate of interest) and provide it to the foreign customer.

In addition, when checking the interest rate provided by the foreign account held by the foreign customer provided, it is preferable to further include a currency exchange fee and a transfer fee in addition to the interest rate provided by the foreign account, and provide it to the foreign customer.

When the financial transaction for remittance processing to the foreign account opened by the foreign customer through the overseas branch is processed by the financial transaction processing unit 830, the information transmission unit 820 is connected with the financial transaction processing unit 830. The financial unit may generate a financial transaction processing history including any of financial transaction approval details or financial transaction error details for a financial transaction for remittance to an overseas account opened by an overseas branch, and the interface unit 805. ) Is transmitted to the financial transaction terminal 835 through the financial network to the foreign remittance result information including the financial transaction processing history.

Here, the financial transaction processing history is characterized in that it comprises the foreign account information and the remittance request amount information, characterized in that it further comprises an authorization code (or error code) for the financial transaction.

The overseas remittance result information includes a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 835 through the financial network, and receives the international remittance result information. The transaction terminal 835 outputs a predetermined financial transaction receipt including the financial transaction processing history included in the predetermined overseas remittance result information.

9 is a diagram illustrating a process of processing a financial transaction for remittance processing to an overseas account opened by a foreign customer through an overseas branch in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a case in which the financial transaction server 800 on the financial transaction system shown in FIG. 8 has a ledger server function on a financial system linked to a counter terminal through a predetermined financial network. After the terminal accesses the financial transaction server 800 and connects the communication channel for the financial transaction, the foreign account information, the remittance request amount information, and the remittance approval information to the financial transaction server 800 through the communication channel. When the foreign money transfer request information including the foreign money, the foreign customer using the foreign bank account information, the remittance request amount information and the transfer approval information included in the received foreign money transfer request information from the financial transaction server 800 abroad The present invention relates to an implementation method for providing a financial transaction for remittance processing to an overseas account opened through a branch, and in the technical field to which the present invention belongs. Those skilled in the art can refer to and / or modify this drawing 9 to implement various methods of processing financial transactions for the remittance processing to foreign accounts opened by foreign customers in the face-to-face manner. It may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the window terminal shown in FIG. 8 is referred to as "terminal" in FIG. 9, and the financial transaction server 800 shown in FIG. 8 is referred to as "server" for convenience.

Referring to FIG. 9, the terminal shown in FIG. 8 connects the communication channel for at least one financial transaction with the server through the financial network, and transfers to an overseas account opened by the foreign customer through an overseas branch. A user interface for inputting (or selecting) overseas remittance request information including at least one or more foreign account information, remittance request amount information, and remittance approval information for processing is output (900).

Thereafter, a predetermined application including at least one or more of the overseas account information, the remittance request amount information, and the remittance approval information from the customer (for example, at least one for remittance processing to an overseas account opened by the foreign customer through an overseas branch). A document with a form for filling in the above information items) is prepared and submitted, the terminal includes at least one of the foreign account information, remittance request amount information and remittance approval information included in the application through the user interface Input (or select) the overseas remittance request information 905, and the international remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through a financial network connecting the terminal and the server; The server transmits the message to the server (915).

The foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the overseas account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact information (eg, name of a contact person who opened and is in charge of the overseas account, a contact person code, etc.) may be further included.

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing one or more validity, characterized in that it comprises at least one or more passwords corresponding to the financial transaction.

Thereafter, the server receives and reads the overseas remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through the financial network, and confirms the validity of the remittance request information. 920).

According to an embodiment of the present invention, the validity of the overseas remittance request information is determined by the account ledger (or the account book) for the financial account corresponding to the foreign account information included in the overseas remittance request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the overseas account is provided, and, if the account ledger (or the customer ledger corresponding to the overseas account) is provided, the validity of the overseas remittance request information is authenticated. It is preferable to be.

In addition, the validity confirmation of the overseas remittance request information includes the amount deposited in the overseas account (eg, the account ledger provided in the ledger D / B on the financial system corresponding to the overseas account) in the overseas remittance request information. It is preferable to include whether the amount is greater than the remittance request amount, and the validity of the overseas remittance request information is preferably authenticated when the overseas account balance is greater than the remittance request amount.

In addition, the validation of the overseas remittance request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the foreign account corresponding to the remittance approval information included in the overseas remittance request information And comparing the various passwords (or linked) with each other, and checking whether the various passwords corresponding to the remittance approval information match, and requesting the international remittance when the various passwords corresponding to the remittance approval information match. It is desirable that the validity of the information be authenticated.

If the validity of the overseas remittance request information is not authenticated (925), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (930), and the financial network Overseas remittance result information including the financial transaction processing history is transmitted to the terminal through (950), and in response, the terminal prints and outputs a financial transaction receipt including the financial transaction processing history (955).

On the other hand, if the validity of the overseas remittance request information is authenticated (925), the server is linked with a financial system equipped with an account ledger corresponding to the overseas account, the overseas account information and the remittance request amount included in the overseas remittance request information. On the basis of the information and the approval of remittance, the foreign customer processes the financial transaction for remittance to the overseas account opened through the overseas branch (935).

According to the implementation method of the present invention, the foreign remittance processing corresponding to the request of the foreign customer, the foreign currency opening system shown in Figure 1 or 5 in the won amount presented by the foreign customer in connection with the financial system; It is preferable to exchange the currency into the local currency corresponding to the opened country and transfer it to an overseas account held by the foreign customer.

According to another exemplary embodiment of the present invention, the overseas remittance processing corresponding to the request of the foreign customer may include a portion (or the total amount) of the won amount deposited in the domestic account held by the foreign customer in FIG. 1 or 5. It is preferable to convert the foreign currency to the local currency corresponding to the opened country through the established overseas account opening system, and transfer the money to an overseas account held by the foreign customer.

Herein, the foreign customer's interest rate provided by the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5 and the interest rate provided by the financial product held by the domestic foreign customer (or It is desirable to compare the rates and provide them to the foreign customers.

In addition, when checking the interest rate provided by the foreign account held by the foreign customer provided, it is preferable to further include a currency exchange fee and a transfer fee in addition to the interest rate provided by the foreign account, and provide it to the foreign customer.

If a financial transaction corresponding to the overseas remittance request information is processed (940), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 945, the foreign remittance result information including the financial transaction processing history is transmitted to the terminal through the financial network. In response, the terminal receives a financial transaction receipt including the financial transaction processing history. Print out (955).

FIG. 10 illustrates a non-face-to-face financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch according to an embodiment of the present invention.

In more detail, Fig. 10 shows a foreign transaction information, a remittance request amount information, and a remittance for a remittance processing to a foreign account opened by a foreign customer through an overseas branch by a predetermined customer through a predetermined financial transaction interface. When providing the foreign remittance request information including at least one approval information, the foreign customer using the foreign account information, the remittance request amount information and the remittance authorization information included in the provided foreign remittance request information in the financial transaction system The present invention relates to a system for providing a financial transaction for remittance processing to an overseas account opened through an overseas branch. Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing. Financial transaction system for remittance processing to overseas accounts opened by foreign customers through overseas branches Various implementation methods for the system configuration may be inferred, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the financial transaction for the remittance processing to the foreign account opened by the foreign customer through the overseas branch by using the foreign remittance request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. Components corresponding to at least one or more means and / or functional configurations for providing a transaction are referred to as " financial transaction server 1000 " for convenience, and the financial transaction server in FIG. 10 providing the non-face-to-face financial transaction service. 1000 preferably includes all types of non-face-to-face banking servers including at least one of an internet banking server, a wireless banking server, a home banking server, and the like.

Referring to FIG. 10 according to an embodiment of the present invention, a financial transaction system for remittance processing to an overseas account opened by a foreign customer through an overseas branch includes at least one wired terminal and / or a wireless terminal used by the customer. The financial transaction terminal 1035 including at least one or more client terminals, and the like, network means corresponding to a wired communication network and / or a wireless communication network to which the financial transaction terminal 1035 is connected, and the network means. A financial transaction server 1000 connected to a financial transaction terminal 1035 and processing a financial transaction for remittance processing to an overseas account opened by a foreign customer through an overseas branch and an overseas account shown in FIG. 1 or FIG. The foreign account opened through the establishment system is characterized in that it comprises a financial system opened.

The financial system that processes the at least one financial transaction service through the foreign account opened through the overseas account opening system shown in FIG. 1 or 5 in connection with the financial transaction server 1000 is a branch of the financial institution. (And / or a branch) is connected to at least one or more teller terminal and a predetermined financial network (for example, the branch network), and the face-to-face of the at least one financial transaction customer through the teller terminal Provide financial transaction services.

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

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

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

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

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

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

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

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

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

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). The ledger information is stored in the drawing 1 or 5 It characterized in that it comprises a predetermined account ledger corresponding to the foreign account opened through the overseas account opening system shown in.

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

According to an embodiment of the present invention, the customer accesses the financial transaction server 1000 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. When the foreign customer inputs (or selects) international remittance request information for remittance processing to an overseas account opened through an overseas branch through at least one user interface provided by the financial transaction server 1000, the client It is preferable that the terminal transmits to the financial transaction server 1000 provided on the financial transaction system through a predetermined network means.

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

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

In addition, the financial transaction server 1000 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the financial transaction server 1000 is a CDMA-based mobile communication network and / or HSDPA-based wireless communication network and / or IEEE 802.16x based on the type of wireless communication network connected to the client terminal It is preferable that either the portable Internet and / or DataTAC / Mobitex-based wireless data communication network is included, and / or includes all types of wireless communication networks proposed in the future including a predetermined wireless interval.

The client terminal may output at least one user interface provided by the financial transaction server 1000, input and / or select at least one information through the user interface, and transmit the same to the financial transaction server 1000. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the financial transaction server 1000, etc.) is provided.

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

In the financial transaction system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the financial transaction server 1000 and And / or the wireless communication network functions as a financial transaction interface for the customer to register the overseas remittance request information for the remittance processing to the foreign account opened by the foreign customer through the overseas branch.

According to another exemplary embodiment of the present invention, the financial transaction terminal 1035 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the financial transaction system as described above, when the financial transaction terminal 1035 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial transaction server A financial network connecting 1000 performs a function of a financial transaction interface for the customer to register overseas remittance request information for remittance processing to an overseas account opened by the foreign customer through an overseas branch, and / or When the financial transaction terminal 1035 is the call terminal (not shown), a wired telephone network and / or wireless connection between the call terminal (not shown) and the call terminal (not shown) and the financial transaction server 1000 are provided. The telephone network functions as a financial transaction interface for the customer to register the overseas remittance request information for processing the remittance to the overseas account opened by the foreign customer through the overseas branch. And / or the terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the financial transaction terminal 1035 (not shown). And a network connecting the terminal (and / or server) (not shown) and the financial transaction server 1000 to request an international remittance for the remittance processing of the customer to the foreign account opened by the foreign customer through an overseas branch. Functions as a financial transaction interface for registering information.

The financial transaction server 1000 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 1035 through a predetermined network means, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial transaction server 1000 may be used. Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the financial transaction server 1000 may be the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to the financial system, or a program included in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a call terminal (not shown) that can be connected to a telebanking server on a predetermined telebanking system, the financial transaction server 1000 is configured for the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 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 transaction server 1000 may be configured as described above. A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

The foreign remittance request information transmitted from the financial transaction terminal 1035 to the financial transaction server 1000 for the remittance processing to the foreign account opened by the foreign customer through the foreign branch, the predetermined overseas account information and the remittance And at least one request amount information and remittance approval information.

The foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the overseas account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact information (eg, name of a contact person who opened and is in charge of the overseas account, a contact person code, etc.) may be further included.

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing one or more validity, characterized in that it comprises at least one or more passwords corresponding to the financial transaction.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Further comprising at least one or more security code information provided on the security card provided to the customer in the process of opening the overseas account, and / or further OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to comprise.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Authorized certificate information included in the financial transaction terminal 1035 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1035), or included in the authorized certificate Preferably, the method further comprises encrypting the overseas remittance request information based on at least one or more encryption keys, or attaching the electronic signature of the customer to the overseas remittance request information.

According to an embodiment of the present invention, the financial transaction server 1000 includes an interface unit 1005 (or interface means) for connecting and managing a predetermined communication channel with the financial transaction terminal 1035 through the network means. Characterized in that made.

According to an embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 1005 is At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 1005 communicates with the client terminal based on the TCP / IP or UDP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial transaction server 1000, the interface unit 1005 is based on the TCP / IP or UDP / IP protocol. It connects a communication channel with a client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a financial automation device connected to a predetermined financial network, the interface unit 1005 may be configured to perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 includes a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 communicates with the client terminal based on the CDMA protocol. Connect a channel and provide a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. do.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the financial transaction server 1000, the interface unit 1005 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1005 may include the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1005 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) based on the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1005 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 10, the financial transaction server 1000 may be configured such that a predetermined financial transaction terminal 1035 connects a communication channel with the financial transaction server 1000 through the interface unit 1005, and / or the communication. When the foreign customer requests a financial transaction for remittance processing to an overseas account opened through an overseas branch through a channel, predetermined foreign remittance request information is provided by the financial transaction terminal 1035 in association with the interface unit 1005. And an interface providing unit 1010 (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting the same to the financial transaction terminal 1035. If the financial transaction terminal 1035 includes a predetermined terminal-side banking program including the user interface, the interface provider 1010 To be omitted are preferred.

The interface providing unit 1010 is provided in the financial transaction terminal 1035 after a predetermined financial transaction terminal 1035 connects a communication channel with the financial transaction server 1000 through the interface unit 1005. In response to the functional configuration, a predetermined user interface capable of inputting (or selecting) the overseas remittance request information and transmitting it to the financial transaction server 1000 through the network means, and / or a predetermined database (not shown) And extract the generated (or extracted) user interface in cooperation with the interface unit 1005 to the financial transaction terminal 1035 through the network means.

According to an embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 1010. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1005. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a financial automation device connected to a predetermined financial network, the interface providing unit 1010 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the automated teller machine via the interface unit 1005.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1010 is the call terminal (shown). Generate (or extract) a predetermined user interface which can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 1005 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the financial transaction terminal 1035 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1010 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1005. .

According to another exemplary embodiment of the present invention, the financial transaction terminal 1035 includes at least one user interface for inputting (or selecting) the foreign money transfer request information to the financial transaction server 1000 through the network means. When a predetermined terminal-side banking program is provided, the interface providing unit 1010 for providing the user interface to the financial transaction terminal 1035 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) overseas remittance request information including at least one or more foreign account information, remittance request amount information, and remittance approval information, and transmits the remittance request information to the financial transaction server 1000. It is preferable to include an interface function to make.

Referring to FIG. 10, the financial transaction server 1000 may send the foreign transaction request information including at least one of overseas account information, remittance request amount information, and remittance approval information through the user interface at the financial transaction terminal 1035. When receiving (or selecting) and transmitting, the information receiving unit 1015 for receiving the international remittance request information including at least one of the overseas account information, remittance request amount information and remittance approval information in conjunction with the interface unit 1005 (Or information receiving means), and a validity checking unit 1025 (or validating means) for checking the validity of the overseas account information, the remittance request amount information and the remittance approval information included in the received overseas remittance request information; In accordance with the financial remittance request, the foreign customer can make an overseas branch based on the remittance request information. Overseas account opened by a foreign customer through an overseas branch in connection with the financial transaction processing unit 1030 (or financial transaction processing means) and the financial transaction processing unit 1030 for processing a financial transaction for remittance to an overseas account. Information transmission unit 1020 for generating predetermined foreign remittance result information for the financial transaction for the remittance processing to the bank, and transmits the international remittance result information to the financial transaction terminal (1035) in connection with the interface unit (1005). (Or information transmission means).

The financial transaction terminal 1035 inputs (or selects) international remittance request information including at least one of the foreign account information, the remittance request amount information, and the remittance approval information through the user interface, and the financial means through the network means. Characterized in that the transmission to the transaction server (1000).

The information receiving unit 1015 inputs (or selects) overseas remittance request information including at least one of overseas account information, remittance request amount information, and remittance approval information through the user interface at the financial transaction terminal 1035. When transmitting through a network means, it is characterized in that receiving the international remittance request information in conjunction with the interface unit 1005, and provides the received international remittance request information to the validity confirmation unit 1025.

The foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, Customer information (e.g., account holder name, customer information file (CIF) number corresponding to the overseas account, etc.), financial institution information (e.g. bank name, or bank code), branch information (e.g. Code), and contact information (eg, name of a contact person who opened and is in charge of the overseas account, a contact person code, etc.) may be further included.

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing one or more validity, characterized in that it comprises at least one or more passwords corresponding to the financial transaction.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Further comprising at least one or more security code information provided on the security card provided to the customer in the process of opening the overseas account, and / or further OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to comprise.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Authorized certificate information included in the financial transaction terminal 1035 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1035), or included in the authorized certificate Preferably, the method further comprises encrypting the overseas remittance request information based on at least one or more encryption keys, or attaching the electronic signature of the customer to the overseas remittance request information.

The validity confirming unit 1025 is characterized by checking whether the overseas remittance request information received from the financial transaction terminal 1035 satisfies the validity for the remittance processing to the foreign account opened by the foreign customer through the overseas branch.

According to an embodiment of the present invention, the validity of the overseas remittance request information is determined by the account ledger (or the account book) for the financial account corresponding to the foreign account information included in the overseas remittance request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the overseas account is provided, and, if the account ledger (or the customer ledger corresponding to the overseas account) is provided, the validity of the overseas remittance request information is authenticated. It is desirable to be.

In addition, the validity confirmation of the overseas remittance request information includes the amount deposited in the overseas account (eg, the account ledger provided in the ledger D / B on the financial system corresponding to the overseas account) in the overseas remittance request information. It is preferable to include whether the amount is greater than the remittance request amount, and the validity of the overseas remittance request information is preferably authenticated when the overseas account balance is greater than the remittance request amount.

In addition, the validation of the overseas remittance request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the foreign account corresponding to the remittance approval information included in the overseas remittance request information And comparing the various passwords (or linked) with each other, and checking whether the various passwords corresponding to the remittance approval information match, and requesting the international remittance when the various passwords corresponding to the remittance approval information match. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the remittance approval information further includes predetermined security code information, the validation of the overseas remittance request information may be performed by the security code information. Security code information corresponding to the remittance approval information, in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the foreign account It is preferable that the check is made, and if the security code information corresponding to the remittance approval information is matched, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the remittance approval information further includes a predetermined OTP code, the validity check of the overseas remittance request information is performed by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the remittance approval information is the OTP authentication code It is preferable to include whether the match is made, and if the OTP code corresponding to the remittance approval information is matched with the OTP authentication code, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 10, the overseas remittance request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1035, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), the validity verification of the overseas remittance request information decrypts the encrypted overseas remittance request information (or at least one or more financial transaction information included in the overseas remittance request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the overseas remittance request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 10, the electronic signature of the customer through a predetermined private key (for example, an encryption key included in an accredited certificate issued to a customer) in the overseas remittance request information. In this case, the validity confirmation of the overseas remittance request information confirms the electronic signature of the customer with respect to the overseas remittance request information (or at least one financial transaction information included in the overseas remittance request information) to which the electronic signature is attached. It is preferably made, including, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the overseas remittance request information is authenticated.

When the validity of the overseas remittance request information is confirmed, the financial transaction processing unit 1030 is linked with a financial system equipped with an account ledger corresponding to the overseas account, the overseas account information and the remittance request included in the overseas remittance request information. On the basis of the amount information and the remittance approval information, the foreign customer is characterized in that the processing of the financial transaction for the remittance processing to the overseas account opened through the overseas branch.

According to the implementation method of the present invention, the foreign remittance processing corresponding to the request of the foreign customer, the foreign currency opening system shown in Figure 1 or 5 in the won amount presented by the foreign customer in connection with the financial system; It is preferable to exchange the currency into the local currency corresponding to the opened country and transfer it to an overseas account held by the foreign customer.

According to another exemplary embodiment of the present invention, the overseas remittance processing corresponding to the request of the foreign customer may include a portion (or the total amount) of the won amount deposited in the domestic account held by the foreign customer in FIG. 1 or 5. It is preferable to convert the foreign currency into a local currency corresponding to the opened country through the system for opening an overseas account and transfer the money to an overseas account held by the foreign customer.

Herein, the foreign customer's interest rate provided by the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5 and the interest rate provided by the financial product held by the domestic foreign customer (or It is desirable to compare the rate of interest) and provide it to the foreign customer.

In addition, when checking the interest rate provided by the foreign account held by the foreign customer provided, it is preferable to further include a currency exchange fee and a transfer fee in addition to the interest rate provided by the foreign account, and provide it to the foreign customer.

When the financial transaction for remittance processing to the foreign account opened by the foreign customer through the overseas branch is processed by the financial transaction processing unit 1030, the information transmission unit 1020 is connected with the financial transaction processing unit 1030. The financial unit 100 generates a financial transaction processing history including any of financial transaction approval details or financial transaction error details for a financial transaction for remittance to an overseas account opened through an overseas branch, and the interface unit 1005. ) Is transmitted to the financial transaction terminal 1035 through the network means.

Here, the financial transaction processing history is characterized in that it comprises the foreign account information and the remittance request amount information, characterized in that it further comprises an authorization code (or error code) for the financial transaction.

The overseas remittance result information includes a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 1035 through the network means, wherein the international remittance result information is the international remittance. It is preferable that the information is encrypted similarly to the request information or transmitted to the financial transaction terminal 1035 with the electronic signature of the financial institution attached.

Figure 11 is a financing process for remittance processing to an overseas account opened by a foreign customer through an overseas branch in a non-face-to-face manner for the remittance processing to an overseas account opened by a foreign customer through an overseas branch according to an embodiment of the present invention. A diagram illustrating a process of processing a transaction.

In more detail, FIG. 11 illustrates a case in which the financial transaction server 1000 on the financial transaction system illustrated in FIG. 10 has a non-face-to-face banking server function to which a client terminal can be connected through a predetermined network means. After connecting to the financial transaction server 1000 and connecting a communication channel for the financial transaction, the foreign transaction information, the remittance request amount information and the remittance approval information are transmitted to the financial transaction server 1000 through the communication channel. When the foreign remittance request information is transmitted, the foreign customer uses the overseas account information, the remittance request amount information, and the remittance approval information included in the received remittance request information at the financial transaction server 1000. The present invention relates to a method of providing a financial transaction for remittance processing to an overseas account opened through the present invention. For those skilled in the art, a process of processing a financial transaction for remittance processing to an overseas account opened by a foreign customer through an overseas branch in a non-face-to-face manner by referring to and / or modifying this drawing 11 Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the client terminal illustrated in FIG. 10 is referred to as a “terminal” for convenience, and the financial transaction server 1000 illustrated in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11, the terminal illustrated in FIG. 10 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP or UDP / IP based wired communication network, and when the terminal is a wireless terminal, CDMA based). Financial transactions for remittance processing to foreign accounts opened by foreign customers through overseas branches by accessing the server through a mobile communication network, and / or an HSDPA based wireless communication network, and / or an IEEE 802.16x based portable Internet. In response to the request (1100), in response, the server includes at least one overseas account information, a remittance request amount information, and a remittance approval information for remittance processing to an overseas account opened by the foreign customer through an overseas branch. A web page including a user interface for inputting (or selecting) remittance request information is generated (or extracted) and transmitted to the terminal through the communication channel. And 1105.

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

Thereafter, the terminal inputs (or selects) overseas remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through the user interface (1110).

If the terminal receives (or selects) overseas remittance request information including the overseas account information, the remittance request amount information, and the remittance approval information through the user interface (1115), the terminal receives the input through the communication channel. (Or selected) the foreign account information, the remittance request amount information and the remittance approval information are transmitted to the server (1120), and the foreign account information and the remittance request amount inputted (or selected) through the communication channel in the terminal. Transmitting the information and the remittance approval information to the server, the electronic signature and / or encryption through the security module (not shown) provided in the terminal through the international transfer request information (or selected) through the user interface to the It is preferable to further comprise sending to the server.

Here, the foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, According to the intention of the person skilled in the art, customer information (for example, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the foreign account), financial institution information (for example, bank name, or bank code), branch information (for example, , A branch code), and contact information (eg, a name of a contact person who opened and is in charge of the overseas account, a contact code, etc.).

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing at least one validity, characterized in that comprises at least one password corresponding to the foreign account, or a password corresponding to the financial transaction.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Further comprising at least one or more security code information provided on the security card provided to the customer in the process of opening the overseas account, and / or further OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to comprise.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Authorized certificate information included in the financial transaction terminal 1035 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1035), or included in the authorized certificate Preferably, the method further comprises encrypting the overseas remittance request information based on at least one or more encryption keys, or attaching the electronic signature of the customer to the overseas remittance request information.

Thereafter, the server receives and reads the overseas remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through the communication channel, and confirms the validity of the overseas remittance request information; 1125) Checking the validity of the overseas remittance request information, if the overseas remittance request information is digitally signed and / or encrypted through a security module (not shown) provided in the terminal, the foreign remittance request information Preferably, the method further includes decrypting and / or decrypting the overseas remittance request information.

According to an embodiment of the present invention, the validity of the overseas remittance request information is determined by the account ledger (or the account book) for the financial account corresponding to the foreign account information included in the overseas remittance request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the overseas account is provided, and, if the account ledger (or the customer ledger corresponding to the overseas account) is provided, the validity of the overseas remittance request information is authenticated. It is desirable to be.

In addition, the validity confirmation of the overseas remittance request information includes the amount deposited in the overseas account (eg, the account ledger provided in the ledger D / B on the financial system corresponding to the overseas account) in the overseas remittance request information. It is preferable to include whether the amount is greater than the remittance request amount, and if the foreign account balance is greater than the remittance request amount, it is preferable that the validity of the remittance request information is authenticated.

In addition, the validation of the overseas remittance request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the foreign account corresponding to the remittance approval information included in the overseas remittance request information And comparing the various passwords (or linked) with each other, and checking whether the various passwords corresponding to the remittance approval information match, and requesting the international remittance when the various passwords corresponding to the remittance approval information match. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the remittance approval information further includes predetermined security code information, the validation of the overseas remittance request information may be performed by the security code information. Security code information corresponding to the remittance approval information, in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the foreign account It is preferable that the check is made, and if the security code information corresponding to the remittance approval information is matched, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the remittance approval information further includes a predetermined OTP code, the validity check of the overseas remittance request information is performed by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the remittance approval information is the OTP authentication code It is preferable to include whether the match is made, and if the OTP code corresponding to the remittance approval information is matched with the OTP authentication code, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. 10, the overseas remittance request information is provided with a predetermined encryption key (eg, an encryption key provided in the financial transaction terminal 1035, or an authorization issued to a customer). In the case of encryption through an encryption key included in a certificate), the validity verification of the overseas remittance request information decrypts the encrypted overseas remittance request information (or at least one or more financial transaction information included in the overseas remittance request information), It is preferable to include whether or not decryption is normally performed, and when the decryption is normally performed, the validity of the overseas remittance request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In this case, the validity confirmation of the overseas remittance request information confirms the electronic signature of the customer with respect to the overseas remittance request information (or at least one financial transaction information included in the overseas remittance request information) to which the electronic signature is attached. It is preferably made, including, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the foreign money transfer request information is authenticated.

If the validity of the overseas remittance request information is not authenticated (1130), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1135), and the communication channel. Overseas remittance result information including the financial transaction processing history is transmitted to the terminal (1155), and the terminal outputs a financial transaction result including the financial transaction processing history (1160).

On the other hand, if the validity of the overseas remittance request information is authenticated (1130), the server is linked with a financial system equipped with an account ledger corresponding to the overseas account, the overseas account information and the remittance request amount included in the overseas remittance request information. Based on the information and the remittance approval information, the foreign customer processes a financial transaction for remittance processing to an overseas account opened through an overseas branch (1140).

According to the implementation method of the present invention, the foreign remittance processing corresponding to the request of the foreign customer, the foreign currency opening system shown in Figure 1 or 5 in the won amount presented by the foreign customer in connection with the financial system; It is preferable to exchange the currency into the local currency corresponding to the opened country and transfer it to an overseas account held by the foreign customer.

According to another exemplary embodiment of the present invention, the overseas remittance processing corresponding to the request of the foreign customer may include a portion (or the total amount) of the won amount deposited in the domestic account held by the foreign customer in FIG. 1 or 5. It is preferable to convert the foreign currency to the local currency corresponding to the opened country through the established overseas account opening system, and transfer the money to an overseas account held by the foreign customer.

Herein, the foreign customer's interest rate provided by the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5 and the interest rate provided by the financial product held by the domestic foreign customer (or It is desirable to compare the rate of interest) and provide it to the foreign customer.

In addition, when checking the interest rate provided by the foreign account held by the foreign customer provided, it is preferable to further include a currency exchange fee and a transfer fee in addition to the interest rate provided by the foreign account, and provide it to the foreign customer.

If the financial transaction corresponding to the overseas remittance request information is processed (1145), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. In operation 1150, the foreign remittance result information including the financial transaction processing history is transmitted to the terminal through the communication channel (1155). In response, the terminal transmits the financial transaction result including the financial transaction processing history. The screen is output (1160).

Figure 12a and Figure 12b is a non-face-to-face remittance to a foreign account opened through an overseas branch in a non-face-to-face for the remittance processing to an overseas account opened by the foreign customer through an overseas branch according to another embodiment of the present invention A diagram illustrating a process of processing a financial transaction for processing.

12A and 12B illustrate more detail in the case where the financial transaction system shown in FIG. 10 is realized through an Internet banking system among non-face-to-face channel-based banking systems, wherein the client terminal is based on TCP / IP or UDP / IP. After accessing the Internet banking server through a network (eg, the Internet) and performing a predetermined customer authentication procedure, a predetermined amount of money for the remittance processing from the client terminal to an overseas account opened through an overseas branch by a foreign customer When the overseas remittance request information including the overseas remittance request information, the remittance request amount information and the remittance approval information is transmitted to the internet banking server, the received foreign remittance request information is received by the financial transaction server 1000. The foreign customer can use the foreign account information, the remittance request amount information and the remittance approval information included in the The present invention relates to an implementation method for providing a financial transaction for remittance processing to an overseas account opened through a branch, and those skilled in the art may refer to and / or refer to FIGS. 12a and 12b. It is possible to infer various implementation methods for the process of processing a financial transaction for the transfer of money to an overseas account opened by a foreign customer through an overseas branch in a non-face-to-face manner other than the Internet banking, but the present invention is It includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 12A and 12B, the browser program Based on the implementation method for connecting the Internet banking-based financial transaction channel for registering the international remittance request information between the client terminal and the Internet banking server, if the person of ordinary skill in the art to which the present invention belongs 12a and 12b refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program, based on a predetermined internet banking program mounted on the client terminal, between the client terminal and the internet banking server. International remittance Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registration of information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention It is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 12A and 12B, in addition to the Internet banking system, and a telebanking system. And / or for the processing of financial transactions for the purpose of remittance to an overseas account opened by an overseas branch by an alien customer in any other non-face-to-face banking system of any kind, including at least one of a wireless banking system and / or a TV banking system. Although it may be possible to infer an implementation method of connecting a financial transaction channel corresponding to each non-face-to-face channel, the present invention provides the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face proposed in the future. The present invention encompasses all types of non-face-to-face channel based financial transactions, including channel banking systems. It is by no means the configuration is limited to the case of the Internet banking illustrated in the drawing figures 12a and 12b.

12A and 12B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the financial transaction server 1000 is referred to as a "server" for convenience.

12A and 12B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP or UDP / IP based network (1200a), the server communicates with the terminal through the browser. A communication channel between servers is connected (1205a), wherein a communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server, and the web page is generated (or extracted) and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the web browser.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1210a).

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

If a predetermined security module is to be installed and / or updated in the terminal (1215a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 1220a.

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1225a), or if the terminal does not need to load and / or update the security module for internet banking (1215a), the server may By activating the security module for the Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1230a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the remittance request information in the terminal. (Or data) by attaching a predetermined digital signature and / or by encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1235a).

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1240a), the server (and / or authentication server) authenticates the 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. (1245a).

If the Internet banking customer authentication fails (1250a), the server blocks the Internet banking security channel for the terminal (1255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1250a), 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 (1260a), where Internet banking Based on the financial transaction channel refers to the Internet banking-based financial transactions from the server by transmitting the foreign remittance request information including at least one of the foreign account information, the remittance request amount information and the remittance approval information from the terminal to the server; It means communication channel.

Thereafter, the terminal requests an internet banking-based financial transaction for remittance processing to an overseas account opened by the foreign customer through an overseas branch to the server through the financial transaction channel (1200b). A user interface for inputting (or selecting) overseas remittance request information including at least one foreign account information, a remittance request amount information, and a remittance approval information for remittance processing to an overseas account opened by an overseas branch A web page including the web page is generated (or extracted) and transmitted to the terminal through the financial transaction channel and output (1205b).

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

Thereafter, the terminal inputs (or selects) overseas remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through the user interface (1210b).

If the terminal receives (or selects) foreign remittance request information including the overseas account information, the remittance request amount information, and the remittance approval information through the user interface (1215b), the terminal transmits the information through the financial transaction channel. Received (or selected) foreign account information and remittance request amount information and remittance approval information are transmitted to the server (1220b), and the foreign account information and remittance request inputted (or selected) through the financial transaction channel in the terminal. Sending the amount information and the transfer approval information to the server, the electronic signature and / or encryption by using the security module (not shown) provided in the terminal to the international remittance request information input (or selected) through the user interface It is preferable to further comprise transmitting to the server.

Here, the foreign account information is characterized in that it comprises an account number (or financial account alias, etc.) for the financial account of the customer name opened through the overseas account opening system shown in Figure 1 or 5, According to the intention of the person skilled in the art, customer information (for example, the name of the account holder, or the customer information file (CIF) number of the customer corresponding to the foreign account), financial institution information (for example, bank name, or bank code), branch information (for example, , A branch code), and contact information (eg, a name of a contact person who opened and is in charge of the overseas account, a contact code, etc.).

The remittance request amount information includes a financial transaction amount remitted from the overseas account for the remittance processing to the overseas account opened by the foreign customer through the overseas branch.

The remittance approval information includes at least one of confidentiality, authentication, integrity, and nonrepudiation of the financial transaction for the remittance processing to an overseas account opened by the foreign customer through an overseas branch. Information for securing at least one validity, characterized in that comprises at least one password corresponding to the foreign account, or a password corresponding to the financial transaction.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Further comprising at least one or more security code information provided on the security card provided to the customer in the process of opening the overseas account, and / or further OTP code generated through the One Tome Password (OTP) generator provided to the customer It is preferable to comprise.

In addition, the remittance approval information is characterized in that the financial transaction system for the remittance processing to the foreign account opened by the foreign customer through the non-face-to-face channel is performed through a non-face-to-face channel Authorized certificate information included in the financial transaction terminal 1035 (or the IC card of the customer linked through an integrated circuit (IC) card reader provided in the financial transaction terminal 1035), or included in the authorized certificate Preferably, the method further comprises encrypting the overseas remittance request information based on at least one or more encryption keys, or attaching the electronic signature of the customer to the overseas remittance request information.

Thereafter, the server receives and reads the foreign remittance request information including at least one of the overseas account information, the remittance request amount information, and the remittance approval information through the financial transaction channel to confirm the validity of the remittance request information. 1225b, confirming the validity of the overseas remittance request information, if the overseas remittance request information is electronically signed and / or encrypted through a security module (not shown) provided in the terminal, the overseas remittance request information And decrypting the foreign remittance request information.

According to an embodiment of the present invention, the validity of the overseas remittance request information is determined by the account ledger (or the account book) for the financial account corresponding to the foreign account information included in the overseas remittance request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the overseas account is provided, and, if the account ledger (or the customer ledger corresponding to the overseas account) is provided, the validity of the request for information of the foreign remittance is It is desirable to be authenticated.

In addition, the validity confirmation of the overseas remittance request information includes the amount deposited in the overseas account (eg, the account ledger provided in the ledger D / B on the financial system corresponding to the overseas account) in the overseas remittance request information. It is preferable to include whether the amount is greater than the remittance request amount, and the validity of the overseas remittance request information is preferably authenticated when the overseas account balance is greater than the remittance request amount.

In addition, the validation of the overseas remittance request information on the account ledger provided in the ledger D / B on the financial system in response to the various passwords and the foreign account corresponding to the remittance approval information included in the overseas remittance request information And comparing the various passwords (or linked) with each other, and checking whether the various passwords corresponding to the remittance approval information match, and requesting the international remittance when the various passwords corresponding to the remittance approval information match. It is desirable that the validity of the information be authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. Security code information corresponding to the remittance approval information, in comparison with the security code information corresponding to the security card included (or linked) on the account ledger provided in the ledger D / B on the financial system corresponding to the foreign account It is preferable that the check is made, and if the security code information corresponding to the remittance approval information is matched, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, in the characteristic of the non-face-to-face financial transaction system shown in FIG. 10, when the remittance approval information further includes a predetermined OTP code, the validity check of the overseas remittance request information is performed by the OTP code and the customer. Generates a predetermined OTP authentication code based on the OTP generation information matched with the OTP generator provided to the user, and compares the OTP code and the OTP authentication code, the OTP code corresponding to the remittance approval information is the OTP authentication code It is preferable to include whether the match is made, and if the OTP code corresponding to the remittance approval information is matched with the OTP authentication code, it is preferable that the validity of the overseas remittance request information is authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system shown in FIG. If encrypted through a certificate containing an encryption key), the validation of the overseas remittance request information decrypts the encrypted overseas remittance request information (or at least one or more financial transaction information contained in the overseas remittance request information), It is preferable to include whether or not the decryption is normally performed, and when the decryption is normally performed, the validity of the overseas remittance request information is preferably authenticated.

In addition, due to the characteristics of the non-face-to-face financial transaction system illustrated in FIG. In this case, the validity confirmation of the overseas remittance request information confirms the electronic signature of the customer with respect to the overseas remittance request information (or at least one financial transaction information included in the overseas remittance request information) to which the electronic signature is attached. It is preferably made, including, and when the electronic signature of the customer is confirmed, it is preferable that the validity of the overseas remittance request information is authenticated.

If the validity of the overseas remittance request information is not authenticated (1230b), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (1235b), and the financial transaction. Overseas remittance result information including the financial transaction processing history is transmitted to the terminal through a channel (1255b), and correspondingly, the terminal outputs the financial transaction result including the financial transaction processing history (1260b).

On the other hand, if the validity of the overseas remittance request information is authenticated (1230b), the server is linked with a financial system equipped with an account ledger corresponding to the overseas account, the overseas account information and the remittance request amount included in the overseas remittance request information. Based on the information and the approval of remittance, the foreign customer processes a financial transaction for remittance to an overseas account opened through an overseas branch (1240b).

According to the implementation method of the present invention, the foreign remittance processing corresponding to the request of the foreign customer, the foreign currency opening system shown in Figure 1 or 5 in the won amount presented by the foreign customer in connection with the financial system; It is preferable to exchange the currency into the local currency corresponding to the opened country and transfer it to an overseas account held by the foreign customer.

According to another exemplary embodiment of the present invention, the overseas remittance processing corresponding to the request of the foreign customer may include a portion (or the total amount) of the won amount deposited in the domestic account held by the foreign customer in FIG. 1 or 5. It is preferable to convert the foreign currency to the local currency corresponding to the opened country through the established overseas account opening system, and transfer the money to an overseas account held by the foreign customer.

Herein, the foreign customer's interest rate provided by the foreign account opened through the overseas account opening system shown in FIG. 1 or FIG. 5 and the interest rate provided by the financial product held by the domestic foreign customer (or It is desirable to compare the rate of interest) and provide it to the foreign customer.

In addition, when checking the interest rate provided by the foreign account held by the foreign customer provided, it is preferable to further include a currency exchange fee and a transfer fee in addition to the interest rate provided by the foreign account, and provide it to the foreign customer.

If the financial transaction corresponding to the overseas remittance request information is processed (1245b), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. And (1250b), through the financial transaction channel, the foreign remittance result information including the financial transaction processing history is transmitted to the terminal (1255b), and the terminal corresponding to the financial transaction result including the financial transaction processing history. Screen is output (1260b).

According to the present invention, there is an advantage that can be deposited in the country that provides a higher rate of interest, if the interest rate provided in the foreign country, the foreign account opened in a foreign country provided in the foreign country is high.

In addition, in the case of providing such a service, there is an advantage that can determine whether the actual gains by providing a foreign remittance fee and a currency exchange fee.

Claims (4)

In the way that the financial server operates a local financial account for foreign workers working in Korea, Connecting a communication channel through a browser and a terminal of the foreign worker; Switching the communication channel to a security channel for internet banking by activating a security module for internet banking mounted on a terminal of the foreign worker; Converting the internet banking security channel into an internet banking-based financial transaction channel in connection with the internet banking security module mounted on the terminal of the foreign worker; Receiving overseas account opening application information including passport information of the foreign worker requesting to open an overseas financial account through a domestic branch from the terminal of the foreign worker through the internet banking-based financial transaction channel; Confirming the validity of the foreign account opening application information by checking whether the passport information of the foreign worker matches the passport information stored on the passport information management system; If the validity of the application for opening an overseas account is verified, opening and processing an overseas financial account through an overseas branch of a country to which the foreign worker belongs; When a foreign currency deposit is requested from the terminal of the foreign worker through the domestic branch to the foreign financial account, the exchange rate information of the country to which the overseas branch belongs is checked, and the won is exchanged based on the confirmed exchange rate information. step; And And remitting the exchange-denominated money amount to the overseas financial account. The method of claim 1, If a foreign currency payment is requested from the terminal of the foreign worker to the foreign financial account through the domestic branch, comparing and providing the interest rate provided by the foreign financial account and the interest rate provided by the domestic financial products; Characterized by local financial account management method for foreign workers. 3. The method of claim 2, Comparing and providing the interest rate provided by the foreign financial account and the interest rate provided by the domestic financial products, The method of operating a local financial account for a foreign worker, characterized in that it further comprises the interest rate provided by the domestic financial products, exchange fees and remittance fees. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1.

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