KR101072931B1 - Method for Amalgamating Customers Between Different Kind Networks - Google Patents

Abstract

The present invention relates to a method and system for merging customers between heterogeneous financial systems and a recording medium therefor. The method for merging customers between heterogeneous financial systems according to the present invention includes a heterogeneous financial system having respective customer ledgers. Integrating the data field format between heterogeneous customer ledgers in a predetermined data field format integration means when merging a customer on a predetermined financial target financial system into a predetermined financial system; And confirming duplicate customer information between heterogeneous customer ledgers and merging customer information on the merged target financial system in which the duplicate is confirmed in a predetermined duplicate customer merging means.

Customer Merge

Description

How to merge customers between different financial systems {Method for Amalgamating Customers Between Different Kind Networks}

Figure 1 illustrates a customer merger and customer approval system configuration for merging the customers of the heterogeneous financial system according to an embodiment of the present invention.

2 is a diagram illustrating a configuration of a customer merge system for merging customers of heterogeneous financial systems according to an embodiment of the present invention.

3 is a diagram illustrating a customer merging method for merging customers of heterogeneous financial systems according to an embodiment of the present invention.

4 is a diagram illustrating a customer approval system for approval of a customer merger according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of approving a customer for merging a customer according to an embodiment of the present invention.

6 is a diagram illustrating a customer approval system for approval of a customer merger according to another exemplary embodiment of the present invention.

7 is a diagram illustrating a process of approving a customer for merging a customer according to an exemplary embodiment of the present invention.

8A and 8B are views illustrating a process of approving a customer for merging a customer according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: customer merge server 105, 110: customer approval server

215: Data field format integration unit 220: Duplicate customer confirmation unit

225: non-duplicate customer merger 230: real name verification unit

235: duplicate customer merger

According to the present invention, in a heterogeneous financial system having respective customer ledgers, when merging a customer on a predetermined financial target financial system into a predetermined financial system, the data field format between the heterogeneous customer ledgers is integrated in a predetermined data field format integrating means. The step of integrating, confirming duplicate customer information between heterogeneous customer ledgers through a predetermined real name number in a predetermined duplicate customer checking means, and in the merge target financial system in which the duplicate is confirmed in a predetermined duplicate customer merging means. The present invention relates to a method for merging customers between heterogeneous financial systems including merging customer information into the financial system.

In operating a heterogeneous financial system, there is a great deal of business damage caused by unnecessary resource waste and resulting computational obstacles due to duplicate customer information of the same customer among heterogeneous financial systems.

In order to overcome such damages, it is necessary to merge customers of heterogeneous financial systems, and it is also necessary to merge other data of customers to be merged.

An object of the present invention for solving the above problems is, in a heterogeneous financial system having respective customer ledgers, when merging the customers on a given merge target financial system into a predetermined financial system, the data fields between the heterogeneous customer ledgers Data field format integration means for integrating the format, duplicate customer identification means for confirming duplicate customer information between heterogeneous customer ledgers through a predetermined real name number, and the customer information on the merged financial system where the duplication is confirmed. The present invention provides a customer merging system between heterogeneous financial systems including a duplicate customer merging means.

The method of merging customers between heterogeneous financial systems according to the present invention is a heterogeneous financial system having respective customer ledgers, in which a predetermined data field format is obtained when merging customers on a predetermined financial target financial system into a predetermined financial system. Integrating the data field format between heterogeneous customer ledgers in an integration means, checking duplicate customer information between heterogeneous customer ledgers through a predetermined real name number in a predetermined duplicate customer checking means, and a predetermined duplicate customer merging means. And merging the customer information on the merged financial system in which the duplication is confirmed to the financial system.

The method of merging customers between heterogeneous financial systems according to the present invention further includes the step of registering customer information on the merged target financial system whose duplication is unidentified in a predetermined non-redundant customer merging means as a customer on the financial system retroactively dated. Characterized in that made.

On the other hand, the present invention includes a recording medium characterized in that the program for executing the above-described method for merging customers between different financial systems.

On the other hand, a customer merge system between heterogeneous financial systems according to the present invention, in a heterogeneous financial system having respective customer ledgers, heterogeneous customers when merging a customer on a predetermined merged financial system into a predetermined financial system Data field format integration means for integrating the data field format between the ledgers, redundant customer identification means for checking duplicate customer information between heterogeneous customer ledgers through predetermined real name numbers, and customer information on the merged financial system where the duplication is confirmed. It characterized in that it comprises a duplicate customer merging means for merging to the financial system.

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 omitted as described above The relationship between the components and the components added for the present invention will also be clearly understood.

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

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

Figure 1 shows a customer merger and customer approval system configuration for merging customers of heterogeneous financial system according to an embodiment of the present invention.

In more detail, in FIG. 1, in order to merge the customers of the heterogeneous financial system, the customer ledger is duplicated in the heterogeneous financial system in the process of merging the customers of the heterogeneous financial system. And merge the customer ledgers that have been identified as duplicates into one financial system, merge the non-face-to-face banking customer accounts of the merged customer ledgers, and merge the remaining ledgers corresponding to the merged customer ledgers into one financial system. It is about the composition of the customer merger and customer approval system that transfers and settles the funds according to the transferred ledger into one financial system, and receives the customer's approval for the customer merger and processes (operates) the customer merger and customer approval. If the person skilled in the art to which the present invention pertains, the customer merging and customer approval system shown in FIG. By referring to or modifying the configuration, it is possible to infer various implementation methods for the customer merger for merging the customers of the heterogeneous financial system, the customer merger for the customer approval, and the configuration of the customer approval system. Characterized in that it comprises a method, and is not limited to the customer merging and customer approval system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the customer merging and customer approval system,

Check the designated customer ledgers included in the ledger D / B on the heterogeneous financial system to check whether each customer ledger is duplicated, and the non-overlapping customer ledgers are the ledgers on the financial system remaining after the merger among the heterogeneous financial systems. Create and merge into a new customer ledger, and duplicate the customer ledger is merged with the customer ledger included in the ledger D / B on the remaining financial system after the merge, and after the merger of the customer ledgers, the non-face-to-face banking corresponding to the customer ledger The customer merge server 100 for merging the customer accounts and the remaining ledgers, and after the customer merge in the customer merge server 100, the customer receiving the information corresponding to the customer's approval for the customer merger to obtain the customer's approval Heterogeneous financial system including the approval server 105, 110, the predetermined financial system equipped with the ledger D / B including the ledger information corresponding to the customer merging target and the merged financial system Characterized in that it comprises at least one financial system.

The customer merge server 100 receives information corresponding to a command for merging the customers of the heterogeneous financial system through a predetermined employee terminal to construct the customer of the heterogeneous financial system as a customer of one merged financial system. In this case, in order to build a customer of a heterogeneous financial system as a customer of one merged financial system, the heterogeneous financial system is divided into a predetermined financial system to be merged with a customer and a predetermined merged target financial system to be deleted after the customer merges. The data field is converted into a ledger D / B on the financial system according to the data field on the ledger D / B on the financial system, and the merged financial system identifies the customer ledger overlapping the heterogeneous financial system. After the customer ledger is not added to the financial system and merged with the confirmed ledger in the financial system, Merging the non-face-to-face banking customer accounts of the merged customer ledgers, transferring the remaining ledgers corresponding to the merged customer ledgers to the financial system, settlement of funds according to the transferred ledgers to the financial system, and It is characterized in that the corresponding information is generated and transmitted to the employee terminal, a preferred embodiment of the customer merge system including the customer merge server 100 will be described in detail as shown in FIG.

The customer approval server (105, 110), the customer information for the customer approval for merging the customer of the heterogeneous financial system merged with the customer approval system through a customer approval interface through the customer merge server 100 And providing customer approval information including at least one approval information, wherein the customer approval system obtains approval of the customer merger based on the customer information and the approval information included in the provided customer approval information. The preferred method of implementing the customer approval system including the customer approval servers 105 and 110 will be described in detail with reference to FIGS. 4 and 6.

The heterogeneous financial system comprising the financial system and the merging target financial system stores and operates ledger information including a customer ledger for merging a customer and approving a customer, and at least one branch (or window) An accounting system that handles window services, such as credits or receiving or trusts or foreign exchanges occurring; an information system that processes headquarters operations, branch office information support and customer information management; and the financial system and at least one other financial system (or Payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) provided in at least one external communication network. Access, or at least one common network (eg CD community network, financial community network) And an external system for providing various financial transaction interfaces, and the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and the financial system. A DBMS (DataBase Management System) including at least one database that stores and manages predetermined information (for example, ledger information, customer information, or management information, etc.) required for each function in my component. It is characterized by comprising.

In FIG. 1, the customer merging and customer approval system is illustrated and described as a customer merging server 100 and a customer approval server 105 and 110. However, the present invention is not limited thereto. The customer approval system may consist of one server (or device), or may consist of at least two or more servers (or devices), and according to the intention of a person skilled in the art, separate components for each component constituting each of the servers shown above. It is clear that it can be implemented in the form of a server.

2 is a diagram illustrating a customer merger system configuration for merging customers of heterogeneous financial systems according to an embodiment of the present invention.

In more detail, when the customer of a predetermined heterogeneous financial system is constructed as a customer of one merged financial system in the customer merger system, the drawing 2 overlaps the heterogeneous financial system in the process of merging the customers of the heterogeneous financial system. After confirming the customer ledgers to be merged, merging the customer ledgers identified as duplicates into one financial system, merging the non-face-to-face banking customer accounts of the merged customer ledgers, and By showing the transfer and settlement of the funds according to the transferred ledger, showing a customer merger system configuration of merging the customers of the heterogeneous financial system into a single financial system, if one of ordinary skill in the art In referring to or modifying the drawing 2, the customer merger system configuration for merging the customers of different financial systems Various implementation methods may be inferred, but include all the inferred implementation methods of the present invention, and are not limited to the implementation method shown in FIG.

Referring to FIG. 2, the customer merging system is one of two financial systems equipped with a predetermined ledger D / B including a predetermined ledger for the merging target customer. And a heterogeneous financial system consisting of a predetermined merged financial system to be deleted after merging with the heterogeneous financial system, and when the merger for the heterogeneous financial system occurs, the predetermined real name confirms whether the duplicated customer ledger is duplicated. A duplication confirmation system comprising at least one verification server, a predetermined court server, a predetermined tax office server, and the like, and a customer ledger identified as not duplicated with all ledger information corresponding to the confirmed customer ledger. Merger server 100 for merging all ledger information to the ledger D / B provided in the financial system, and the merge A non-face-to-face banking system including at least one of an Internet banking server and a wireless banking server equipped with account D / B for merging of customer accounts included in the non-face-to-face banking corresponding to the customer ledger, and the merged customer ledger It is characterized in that it is made with the KFTC server to settle the funds contained in the corresponding ledger.

Referring to FIG. 2 according to an embodiment of the present invention, the heterogeneous financial system including the financial system and the merged financial system includes at least one window terminal and a predetermined terminal provided at a branch (or a branch) of a predetermined financial institution. It is characterized in that it is connected through a financial network (e.g. banking network), and provides ledger management and computerized processing function for face-to-face financial transaction processing in connection with the counter terminal to merge the customers of the heterogeneous financial system. It is desirable to.

The heterogeneous financial system may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or branch) of the financial institution, or at least one other affiliated with the financial institution. At least one financial terminal provided at a financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In order to merge customers of the heterogeneous financial system, it is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with the financial terminal.

In addition, the heterogeneous financial system is characterized in that it is associated with a predetermined Internet banking server, a network connected to a TCP / IP-based backbone network through the Internet banking server for merging the customers of the heterogeneous financial system (eg, wired Internet) Or at least one client terminal (eg, a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an IEEE 802.11x-based wireless LAN, or an IEEE 802.16x-based portable Internet. It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with a wireless LAN / portable Internet connection and a laptop or mobile terminal equipped with a browsing function.

In addition, the heterogeneous financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, code division multiple access (CDMA) through the wireless banking server to merge the customers of the heterogeneous financial system) PCS (Personal Communication System) equipped with at least one wireless terminal (e.g., a connection and browsing function connected to the mobile communication network) connected to the mobile communication network based on the mobile communication network, the IEEE 802.16x based mobile Internet, or the DataTAC / Mobitex based wireless data communication network. ) Or ledger management and computational processing for non-face-to-face financial transactions in conjunction with GSM (Global System for Mobile) terminals or PDAs (Personal Digital Assistants) or smartphones (Smart Phones or Telematics, etc.) It is desirable to provide.

In addition, the heterogeneous financial system is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (eg, CDMA) through the IC chip-based wireless banking server to merge the customers of the heterogeneous financial system At least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a Code Division Multiple Access (CDMA) based mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based based wireless data communication network; It is desirable to provide ledger management and computerized processing for non-face-to-face financial transactions.

In addition, the heterogeneous financial system is characterized in that it is associated with a predetermined telebanking server, a predetermined wired voice call network (eg, public switched telephone network) through the telebanking server to merge the customers of the heterogeneous financial system At least one wired telephone terminal (e.g., a telephone) connected to a Telephone Network (PSTN), or at least one wireless telephone terminal (e.g., a mobile communication network based on a Code Division Multiple Access (CDMA)). It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with (eg, cellular or PCS or GSM terminal or smartphone).

In addition, the heterogeneous financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, connected to a predetermined home network through the home banking server to merge the customers of the heterogeneous financial system) It is desirable to provide ledger management and computer processing functions for non-face-to-face financial transaction processing in connection with a digital TV or a refrigerator connected to a home network.

In addition, the heterogeneous financial system is characterized in that associated with a predetermined TV banking server, at least one digital connected to a predetermined return channel (Return Channel) through the TV banking server to merge the customers of the heterogeneous financial system It is desirable to provide a ledger management and computer processing function for non-face-to-face financial transaction processing in connection with a TV (eg, interactive digital TV, satellite DMB terminal, terrestrial DMB terminal, etc.).

Referring to FIG. 2, the heterogeneous financial system including the financial system and the merged financial system opens at least one financial account to at least one financial transaction customer, and based on the financial account, at least one financial transaction. A computer system provided to a financial institution to provide a service, comprising: an accounting account for processing a window service such as a credit or a reception or trust or a foreign exchange occurring at at least one branch (or window); And at least one non-face-to-face financial transaction means (e.g., provided with an information system that processes customer information management, an interconnection between the financial system and at least one other financial system (or payment system), or at least one external communication network). Internet banking, wireless banking, IC chip-based wireless banking , Telebanking, TV banking, etc.), or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and predetermined information (for example, required information for performing each function in the components in the financial system). , A ledger information, or a customer ledger, or management information, etc.) is characterized by comprising a DBMS (DataBase Management System) comprising at least one or more databases for storing and managing.

According to the method of the present invention, the external system merges the customer merger processing the customer merger in conjunction with a predetermined customer merge server 100 in order to merge the customers of the heterogeneous financial system, the financial system and the merge target finance It is preferable to be provided in each system, and according to the intention of the person skilled in the art or the characteristics of the financial systems, the customer merger may be omitted both or one of the two, by which the present invention is not limited.

In addition, the heterogeneous financial system is a foreign exchange module (city) according to the intention of a person skilled in the art or according to 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. O), at least one or more components such as investment finance module (not shown) and international module (not shown) may be further included, and those skilled in the art to which the present invention pertains may include 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 heterogeneous financial system, the financial institution to open at least one financial account to at least one or more financial transaction customers, to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger for the at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine (or supplement) the attributes / functions of each ledger). It is characterized in that it is linked to and stored as a relationship.

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

The duplicate confirmation system is a customer overlapping each other in the process of merging the customer ledger included in the ledger D / B on the financial system included in the heterogeneous financial system and the ledger D / B on the merged financial system When the ledger is generated, the registered company of the duplicated corporation when the real name verification server that checks the real name and resident registration number, etc. and the duplicated customer ledger are non-personal corporations to check whether the duplicate customer ledgers are duplicated. It is preferable to include at least one court server for confirming the number, etc. and at least one tax office server for confirming the business registration number of the overlapping corporation.

The non-face-to-face banking system is a server provided with an account D / B for merging of non-face-to-face banking customer accounts corresponding to the merged customer ledger by the customer merge server 100, and performs financial transactions of the customer. It is preferable to include at least one or more Internet banking server and wireless banking server, including at least one or more ID (Identifier) or password or a public certificate for.

The KFTC server merges all the ledger information of the customer ledger included in the ledger D / B provided on the heterogeneous financial system by the customer merge server 100 to the financial system. And transfer the funds contained in the corresponding ledger of the merged customer ledger in the merged financial system to the ledger corresponding to the merged customer ledger on the financial system in connection with (100). do.

Referring to FIG. 2, the merger server 100 receives command information corresponding to merging of the heterogeneous financial systems from a predetermined employee terminal for merging the heterogeneous financial system customers, and the result details corresponding to the merging. An interface unit (or interface means) 200 for connecting a communication channel for outputting information and error detail information, a data field of the ledger D / B provided in the financial system for merging the heterogeneous financial system customers, and A data field format integrator (or data field format integrator) 215 for converting data fields of the ledger D / B provided in the merged financial system into the same data field format, and the data field format integrator 215. Ledger D / B on the financial system converted from the same data field format to the ledger D / B on the merged financial system When the duplicated customer confirmation unit (or duplicated customer confirmation means) 220 confirms the duplicated and the duplicated customer ledger is confirmed in the duplicated customer confirmation unit, the duplicated customer ledger is confirmed in connection with the duplicated confirmation system. The financial system includes a real name checking unit (or a real name checking unit) 230 for confirming duplication through real name checking, and a customer ledger which is confirmed not to be duplicated by the duplicate customer checking unit and the real name checking unit 230. The duplicated customer ledger when the duplicated customer ledger (or the duplicated customer merging means) 225 merging to the ledger D / B and the real name checking unit 230 are identified as duplicated customer ledgers. For merging a duplicate customer merging unit (or duplicate customer merging means) 235 for merging with the ledger D / B provided in the financial system and the customer accounts included in the non-face-to-face banking corresponding to the merged customer ledger.A non-face-to-face banking integration unit (or non-face-to-face banking integration means) that merges a customer account into a non-face-to-face banking on the merged financial system as a customer account in association with a non-face-to-face banking system 240 And a ledger transfer part (or ledger transfer means) 245 for merging the remaining ledger information except the customer ledger on the merged target financial system corresponding to the customer ledger merged into the financial system into the ledger D / B on the financial system. And a fund settlement unit (or fund settlement) for transferring and residing funds remaining in the ledger D / B on the merged financial system of the customer whose all ledgers are transferred to the financial system to the ledger D / B on the financial system. Means) 250, an information generation unit 205 for generating information on the result history information and the error history corresponding to the customer merger of the heterogeneous financial system, and the generated Characterized in that the information providing unit 210 for transmitting the result history information and error history information to the employee terminal through the interface unit 200.

The interface unit 200 receives the command information corresponding to the customer merger of the heterogeneous financial system from the employee terminal to merge the heterogeneous financial system customers, the result corresponding to the merge It is characterized by connecting and managing a predetermined communication channel in order to output the history information and error history information.

The data field format integrating unit 215 mutually converts the data fields of the ledger D / B provided in the financial system and the ledger D / B provided in the merged financial system to merge the heterogeneous financial system customers. Characterized in the same data field format.

According to an embodiment of the present invention, the format conversion of the data field preferably converts the data field of the ledger D / B provided in the merged financial system to match the data field of the ledger D / B provided in the financial system. In addition, one of ordinary skill in the art will be able to infer various implementation methods for converting the data field format into the same format, and will be omitted for convenience of the present invention.

The duplicate customer confirmation unit 220 includes a customer ledger included in the ledger D / B on the financial system and the ledger D / B on the merged financial system converted from the data field format integrator 215 to the same data field format. It is characterized in that the access to check the overlap of the customer ledger.

According to the method of the present invention, a method of confirming the overlap between the ledger D / B on the financial system and the customer ledger included in the ledger D / B on the merged financial system, the ledger D / on the merged financial system It is preferable to check the overlap of the customer ledger confirmed by approaching B with the customer ledgers included in the ledger D / B on the financial system, and the information to confirm the duplication of the customer ledger is included in the customer ledger. The name, resident registration number, corporation name, corporation number, business registration number, etc., if the customer ledger is information corresponding to the individual, the case where the customer's name and resident registration number, etc. overlap one or more duplicates the customer, If the customer ledger is information corresponding to a legal entity, the customer's corporate name, corporate number, and business registration number are duplicated. It is preferable that those skilled in the art to which the present invention belongs will be able to infer a variety of ways to identify duplicate customers by comparing the customer ledger, it will be apparent that the present invention is not limited thereto. .

The real name confirmation unit 230, when the duplicate customer confirmation unit is confirmed that the duplication of the customer ledger, characterized in that the duplicated through the confirmation of the real name in conjunction with the duplicated customer ledger confirmed with the duplicate confirmation system, characterized in that do.

According to the method of the present invention, as a method of confirming the real name of the customer ledger confirmed as duplicate in the real name confirmation unit 230, if at least one name or resident registration number of the customer ledger is duplicated, the duplicate confirmation system A method of verifying a real name in connection with a real name verification server (e.g., Korea credit evaluation information, Korea credit information, etc.) and a court in the duplicate confirmation system when at least one corporate number or business registration number of the customer ledger overlaps. There may be a method of checking a legal name of a corporation in connection with a server or a tax office server, and a person having ordinary knowledge in the technical field to which the present invention belongs may infer various methods of checking the real name of the redundant customer ledger. The present invention is not limited thereby.

The non-duplicate customer merging unit 225 merges the customer ledgers identified as not duplicated by the duplicate customer confirmation unit and the real name confirmation unit 230 into the ledger D / B provided in the financial system. do.

According to an embodiment of the present invention, the non-duplicate customer merger 225 is provided with the customer system in the financial system that is confirmed not to be duplicated among the customer ledgers included in the ledger D / B on the merged financial system As a method of merging to the ledger D / B, it is preferable to merge the customer ledger included in the ledger D / B on the merged financial system into a new ledger of the ledger D / B on the financial system. When transferring the remaining ledger of the newly created customer ledger to the ledger D / B on the system to the ledger D / B on the financial system, the newly created customer ledger on the ledger D / B on the financial system and the merged financial system In order to link the existing customer ledger included in the ledger D / B into relational relationship, the financial system is added to the existing customer ledger included in the ledger D / B on the merged financial system. It is preferable to add a customer number (CIF) of the newly created customer ledger to the ledger D / B on the system, and also that the customer ledger is merged with the customer ledger included in the ledger D / B on the merged financial system. It is desirable to add and display the notifying customer merge field.

According to an embodiment of the present invention, the customer ledger included in the ledger D / B on the merged target financial system assigned to the ledger D / B on the financial system in the non-duplicate customer merger 225 is new Although the ledger is allocated to the establishment date, it is preferable to register the establishment date as an establishment date in the ledger D / B on the existing merged financial system.

When the duplicate customer merger 235 determines that the customer ledger included in the ledger D / B on the merged financial system is duplicated by the real name confirmation unit 230, the duplicate customer ledger is transferred to the financial system. Merged in the ledger D / B provided.

According to an embodiment of the present invention, the customer ledger included in the ledger D / B on the merged financial system identified as duplicate in the duplicate customer merger 235 is merged into the ledger D / B on the financial system as a customer ledger. Preferably, the method includes integrating the customer ledger included in the ledger D / B on the overlapping merged financial system into the customer ledger included in the ledger D / B on the financial system in which the overlapping is confirmed. When the remaining ledgers of the customer ledgers included in the ledger D / B on the merged financial system merged into the ledger D / B to the ledger D / B on the financial system, the ledgers D / B on the financial system In order to link and process the existing customer ledger included in the ledger D / B on the merged financial system merged into the customer ledger in relational relationship, It is preferable to add the customer number (CIF) of the merged customer ledger to the existing customer ledger included in the ledger D / B, and the customer ledger is added to the customer ledger included in the ledger D / B on the merged financial system. It is desirable to add and display a customer merge field indicating that the merge has occurred.

The non-face-to-face banking integration unit 240 is connected to the non-face-to-face banking system to merge the customer accounts included in the non-face-to-face banking corresponding to the merged customer ledger in the non-face-to-face banking on the merged target financial system To merge the non-face-to-face banking on the financial system into a customer account.

According to the method of the present invention, among the customer accounts corresponding to the customer ledger that is not duplicated in the customer ledger included in the ledger D / B on the financial system, the customer ledger included in the ledger D / B on the financial system, If it is not duplicated with a customer account corresponding to the customer ledger included in the ledger D / B on the financial system, it is possible to use as it is without adding or changing the customer account, thereby the present invention is not limited.

The ledger transfer unit 245 merges the remaining ledger information other than the customer ledger on the merged target financial system corresponding to the customer ledger merged into the financial system into the ledger D / B on the financial system.

According to an embodiment of the present invention, the ledger transfer unit 245 is a ledger corresponding to the customer ledger merged in the non-duplicate customer merger 225 is generated corresponding to the newly created customer ledger, the duplicate The remaining ledger corresponding to the merged customer ledger in the customer merger 235 is preferably added to the existing customer ledger.

When the remaining ledger corresponding to the merged customer ledger is transferred from the ledger transfer unit 245, the fund settlement unit 250 is provided on the merged target financial system of the customer whose all ledgers are transferred to the financial system. The funds remaining in the ledger D / B are processed in connection with the KFTC server and transferred to the ledger D / B on the financial system for settlement.

The information generating unit 205 generates information on the result details and error details corresponding to the merger of the customers of the heterogeneous financial system.

According to an embodiment of the present invention, the information generation unit 205 generates the result and error history information when the non-duplicate customer merger 225 merges the customer ledger, and the duplicate customer merger 235 Generates result and error history information when merging the customer ledger, generates duplicate results and error history information for the customer ledger when checking the duplicate customer in the real name verification unit 230, and results when merging non-face-to-face banking And generating error detail information, generating transfer result and error history information of the ledger when the ledger is transferred, and generating the result and error history information when the settlement of funds of the ledger is performed by the fund settlement unit 250. .

The information providing unit 210 transmits the result detail information and the error detail information generated by the information generating unit 205 to the employee terminal through the interface unit 200.

3 is a diagram illustrating a customer merging method for merging customers of heterogeneous financial systems according to an embodiment of the present invention.

In more detail, FIG. 3 shows that the merger server 100 shown in FIG. 2 accesses the merged target financial system to merge customers of the heterogeneous financial system and includes the ledger D / B on the merged target financial system. Check the customer ledger, compare the customer ledger with the customer ledgers included in the ledger D / B on the financial system, and check if the customer ledger is not duplicated; Create a new customer ledger in the ledger D / B on the above and add the generated customer number (CIF) to the existing customer ledger in a relational manner, and if the duplication of the customer ledger is confirmed, in conjunction with the duplicate confirmation system If the customer ledger checks whether the real name is duplicated and if the customer ledger is confirmed as a duplicate in the duplicate confirmation system, the ledger D / B on the merged financial system The customer number (CIF) included in the ledger D / B on the financial system identified as duplicate with the customer ledger included in the list is added to the customer ledger included in the ledger D / B on the merged financial system and linked in a relational manner. When all the customer ledgers included in the ledger D / B on the merged financial system are merged, merge the ledgers other than the customer ledger into the ledgers D / B on the financial system, and then A method of merging a customer account in association with the non-face-to-face banking system, and in connection with the KFTC server, calculates funds for the customer whose ledger transfer has been completed as ledger D / B on the financial system.

Those skilled in the art to which the present invention pertains can refer to or modify this figure 3 to infer various points of time to generate customer merger results and error history information from the customer merge server 100 to the employee terminal. As will be appreciated, 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. 3, the employee terminal shown in FIG. 2 is referred to as a “terminal” for convenience, and the customer merge server 100 is referred to as a “server” for convenience. The customer ledger is included in the ledger D / B of the merged financial system and the merged customer ledger.

Referring to FIG. 3, when the terminal illustrated in FIG. 2 transmits information corresponding to a predetermined customer merge command to a server through a predetermined interface, the server is linked to a heterogeneous financial system ledger D on a heterogeneous financial system. The data field format of / B is converted into the same data field format (300).

Thereafter, the server checks the duplication by comparing the predetermined merger target ledgers with the predetermined ledgers in association with the heterogeneous financial system.

If the merged customer ledger does not overlap with the customer ledgers 310, the server connects the merged customer ledger to the ledger D / B on the financial system in association with the heterogeneous financial system. It generates (315), and adds a customer number (CIF) newly assigned to the generated customer ledger to the merged customer ledger (320).

Subsequently, when the merged customer ledger is confirmed to overlap with the customer ledger (310), the server

The customer ledger confirmed the duplication is confirmed in real name in connection with the duplicate confirmation system (325)

If it is determined that the real name of the customer ledger overlapping with the merged customer ledger is not the same person in connection with the overlapping confirmation system (330), the server connects the merged customer ledger with the heterogeneous financial system. A new customer ledger is created in the ledger D / B on the financial system (315), and a newly assigned customer number (CIF) is added to the merged customer ledger (320).

Subsequently, when the real name of the customer ledger overlapping with the merged customer ledger is confirmed to be the same person in connection with the duplicate confirmation system (330), the server merges the merged customer ledger with the customer ledger (335). In operation 340, the customer number (CIF) of the customer ledger is added to the merged customer ledger.

According to an embodiment of the present invention, it is preferable to add and display a customer merge field indicating that the customer ledger is merged to the customer ledger included in the ledger D / B on the merged target financial system. When the information of the customer ledger (for example, telephone number, company number, company address, customer address, etc.) is different, it is preferable to check the storage date of each stored information and merge it into the information stored as the latest date.

According to an embodiment of the present invention, the customer ledger included in the ledger D / B on the merged financial system identified as duplicate in the duplicate customer merger 235 is merged into the ledger D / B on the financial system as a customer ledger. The method may include merging the customer ledgers included in the ledgers D / B on the overlapping merged financial system into the customer ledgers included in the ledgers D / B on the financial system. It is preferable to add and display a customer merge field indicating that the customer ledger has been merged to the customer ledger included in the ledger D / B on the system.

Thereafter, the server merges the customer account information of the non-face-to-face banking corresponding to the merged customer ledger in association with the non-face-to-face banking system (345).

In the art to which the present invention pertains, a method of merging non-face-to-face banking customer account information corresponding to the merged customer ledger in conjunction with the non-face-to-face banking system includes: Method of merging with the account information contained in the ledger D / B on the financial system and when the customer with the merged customer ledger accesses the face-to-face banking, request the customer to change the account information used for the non-face-to-face banking Various implementation methods such as a merging method may be inferred, but include all the inferred implementation methods of the present invention, and the present invention is not limited thereto.

According to an embodiment of the present invention, among the customer accounts corresponding to the merged customer ledger, the merged customer ledger does not overlap the customer ledger and the customer account corresponding to the merged customer ledger corresponds to the customer ledger. If it is not duplicated with the account, the customer account corresponding to the merged customer ledger can be used as it is without additional addition or change process, by which the present invention is not limited.

Thereafter, the server transfers the remaining ledgers excluding the merged customer ledger to the ledger corresponding to the merged customer ledger in connection with the heterogeneous financial system including the financial system and the merged target financial system (350).

According to an embodiment of the present invention, the ledgers corresponding to the non-overlapping customer ledgers among the merged customer ledgers may be newly created and opened in response to the newly created customer ledgers. In this case, it is preferable to indicate the establishment date of the ledger as the establishment date in the existing merged ledger.

According to an embodiment of the present invention, it is preferable that the ledgers corresponding to the overlapping customer ledgers of the merged customer ledgers are added corresponding to the merged customer ledgers.

Thereafter, the server transfers the funds of the merged target financial system ledger to the merged financial system ledger in connection with the KFTC server (355).

Thereafter, the server generates customer merge history information corresponding to the customer merge result (360), and transmits the generated customer merge history information to the terminal (365).

According to an embodiment of the present invention, the process of transmitting the customer merge history information to the terminal is

Although it has been described as being corresponding to the result of the customer merging, the process of checking the duplicated customer, merging the non-duplicated customer, verifying the real name, merging the duplicated customer, and The process of merging the face-to-face banking customer accounts, transferring the ledgers other than the customer ledger, and funding the transferred ledgers.

It is preferable that the settlement is also included, but omitted for convenience of the present invention.

4 is a diagram illustrating a customer approval system for approval of a customer merger according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 illustrates that when a predetermined heterogeneous financial system composed of a predetermined financial system and a predetermined merging target financial system is merged with the financial system in the customer merge server shown in FIG. When the customer approval information is provided to the customer approval system through a predetermined customer approval interface, the customer approval information including at least one of the customer information and the approval information for the approval of the merging of the customer is included in the customer approval information. Process the customer information and approval information in association with the heterogeneous financial system to process the customer's approval of the customer merger, and delete the ledger in the merged financial system for the customer based on the customer's approval. When approving customer's merger of heterogeneous financial system to customer Regarding the stem configuration, those skilled in the art to which the present invention pertains may refer to or modify this drawing 4 to infer various implementation methods for the configuration of a customer approval system for approval of a customer merger. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for approving the merging of the customer to the customer based on the customer approval information provided from the customer through a predetermined customer approval interface shown in FIG. 4 is provided. The component to be referred to as "customer approval server 105" for convenience.

Referring to FIG. 4 according to an embodiment of the present invention, the customer approval system for approval of the customer merger includes a customer approval terminal including a window terminal provided at at least one financial institution branch. The customer approval terminal is connected to a communication channel with a customer approval server 105 provided on the customer approval system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch for approval of the merging of the customer, and through the window provided at the financial institution branch (or through a teller) for approval of the merging of the customer. After filling out a prescribed application (for example, a document with a form for filling in at least one information item for approval of a merger), and submitting the completed application to the counter staff, the counter staff will The information entered in the application is input (or selected), and the teller terminal transmits the input (or selected) information to the customer approval server 105 provided on the customer approval system through the network means. It is desirable to.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the customer approval server 105 connected to the teller terminal is ledger server provided on the heterogeneous financial system Preferably, the network means for connecting the teller terminal and the customer approval server 105 comprises a branch network connecting the communication channel between the teller terminal and the customer approval server 105. .

In the customer approval system as described above, an application written by the customer, a teller terminal used by the teller employee, and a network means for connecting the teller terminal and the customer approval server 105 are approved by the customer. Performs the function of the customer approval interface for approving the customer approval information for.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer corresponding to the customer ledger for the merging of the customer, and member information of the customer (eg, the Member ID information, or CIF, provided in a customer ledger provided on the heterogeneous financial system associated with the deposit (or savings) account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Customer information file), etc.).

The approval information is information corresponding to the approval of the customer for the merging of the customer, and preferably includes at least one or more approval information of the content for approving the customer merging or agreement information of the content agreeing with the customer merging.

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

According to an embodiment of the present invention, when the customer approval terminal is a window terminal connected to a predetermined network means, the customer approval server 105 is provided on a heterogeneous financial system connected to the window terminal through a predetermined network means. It may be a ledger server or a server (or device) provided in the foreign world on the heterogeneous financial system, or a program provided in the external world on the heterogeneous financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the customer approval server 105 is provided with an interface unit (or interface means) 400 for connecting and managing a predetermined communication channel with the customer approval terminal through the network means. It features.

According to an embodiment of the present invention, when the customer approval terminal is a window terminal connected to a predetermined network means, the interface unit 400 communicates with the window terminal based on a protocol stack defined in the network means. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a channel and using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 4, the customer approval server 105 connects a communication channel with a customer approval server 105 through the interface unit 400 after a predetermined customer approval terminal is connected to the interface unit 400. An interface providing unit (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer approval information from the customer approval terminal in association with the customer approval terminal; 405 and an information receiving unit (or information receiving unit) 410 for receiving predetermined customer approval information transmitted from the customer approval terminal through the user interface in connection with the interface unit 400. And a validity confirming unit (or validity confirming means) 415 for confirming validity of the received customer approval information, and included in the validated customer approval information. A customer approval processing unit (or customer approval processing unit) 420 for processing approval of the customer merger based on the customer information and the approval information included therein, and the customer of the customer approved by the customer approval processing unit 420 And an information transmission unit (or information transmission means) 425 for transmitting the merge approval details to the customer.

The interface providing unit 405 connects a communication channel with the customer approval server 105 through the interface unit 400 after a predetermined customer approval terminal corresponds to the functional configuration provided in the customer approval terminal. Generate a predetermined user interface capable of inputting (or selecting) customer approval information and transmitting it to the customer approval server 105 via the network means, or extracting from a predetermined database (not shown), and selecting the interface unit ( In operation 400, the generated (or extracted) user interface may be provided to the customer approval terminal through the network means.

According to another embodiment of the present invention, a predetermined customer having at least one user interface for inputting (or selecting) the customer approval information to the customer approval terminal and transmitting the customer approval information to the customer approval server 105 through the network means. When the approval program is provided, the interface providing unit 405 for providing the user interface to the customer approval terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the customer approval terminal inputs (or selects) customer approval information including at least one of the customer information and the approval information based on the user interface, and inputs the input (or selected) customer approval information to the network means. Through the transmission to the customer approval server 105.

According to an embodiment of the present invention, when the customer approval terminal is a window terminal connected to a predetermined network means, the interface providing unit 405 is a predetermined user interface that can be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the window terminal through the interface unit 400.

The information receiving unit 410 inputs (or selects) customer approval information including at least one of customer information and approval information through the user interface through the user interface, and transmits the information through the network means. And the customer approval information in connection with 400, and provides the received customer approval information to the validity check unit 415.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer corresponding to the customer ledger for the merging of the customer, and the member information (eg, Member ID information, or CIF, provided in the customer ledger provided on the heterogeneous financial system associated with the deposit (or savings) account opening system in response to the customer by joining the customer as a financial transaction customer of the financial institution. (Customer Information File) number and the like).

The approval information is information corresponding to the approval of the customer for the merging of the customer, and preferably includes at least one or more approval information of the content for approving the customer merging or agreement information of the content agreeing with the customer merging.

The validity verification unit 415 is characterized in that whether the customer approval information received from the customer approval terminal satisfies the validity of the approval of the customer merge.

According to an embodiment of the present invention, the validity check of the customer approval information may include checking whether at least one ledger information matching the customer approval information is registered in the ledger D / B on the heterogeneous financial system linked to the customer approval system. It is preferable that it consists of including.

For example, the validity check of the customer approval information includes checking whether the customer information included in the customer approval information matches the customer ledger stored in the ledger D / B on the heterogeneous financial system associated with the customer approval system. It is preferable.

When the validity of the customer approval information is confirmed, the customer approval processing unit 420 may process the approval of the customer merger based on the customer information and the approval information included in the customer approval information.

When the customer approval processing unit 420 processes the approval of the customer merger to delete the ledger information for the customer included in the customer merger financial system, the information transmitting unit 425 processes the customer approval. Characterized in that the transmission to the customer.

5 is a diagram illustrating a process of approving a customer for merging a customer according to an embodiment of the present invention.

In more detail, FIG. 5 shows a case where the customer approval server 105 on the customer approval system shown in FIG. 4 has a ledger server (not shown) function on a heterogeneous financial system linked to a teller terminal through a predetermined network means. In the above, the window terminal is connected to the customer approval server 105 to connect a communication channel for customer approval according to the present invention, and then the customer information and approval to the customer approval server 105 through the communication channel When the customer approval information including the information is transmitted, the customer approval server 105 performs a process of linking with the heterogeneous financial system based on the customer information and the approval information included in the received customer approval information for the customer merger. Process the customer's approval and delete the ledger in the merged financial system for the customer based on the customer's approval; The present invention relates to a method of processing a customer merger of a heterogeneous financial system for a customer, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 5 and the customer approval server ( 105 may infer various implementation methods for processing customer approval through the customer approval information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 5, the window terminal shown in Fig. 4 is referred to as a “terminal” for convenience, and the customer approval server 105 shown in Fig. 4 is referred to as a “server” for convenience, and the customer approval is performed at the window terminal. The customer information and the approval information transmitted to the server 105 are referred to as "customer approval information" for convenience.

Referring to Fig. 5, the window terminal shown in Fig. 4 is connected to the server via a predetermined network means to connect a predetermined communication channel for approving the customer approval information, and to confirm the merging of the customer. When requesting approval of customer approval information (500), the server generates (or extracts) a predetermined customer approval interface for approving the customer approval information (505), and generates (or extracts) through the communication channel. The customer approval interface is transmitted to the terminal and output (510).

According to an embodiment of the present invention, the customer approval interface preferably includes a user interface for inputting (or selecting) customer approval information including at least one of the customer information and the approval information in the terminal.

Thereafter, the terminal inputs (or selects) customer approval information including at least one customer information and approval information through the customer approval interface (515).

If the customer approval information including the customer information and the approval information is input (or selected) through the customer approval interface at the terminal (520), the terminal receives the input (or selected) customer information through the network means. And the customer approval information including the approval information is transmitted to the server (525).

Thereafter, the server receives and reads the customer information and the approval information through the network means to check the validity of the customer approval information (530).

According to an embodiment of the present invention, the validity check of the customer approval information may include checking whether at least one ledger information matching the customer approval information is registered in the ledger D / B on the heterogeneous financial system linked to the customer approval system. It is preferable that it consists of including.

For example, the validity check on the customer approval information includes checking whether the customer information included in the customer approval information matches the customer ledger stored in the ledger D / B on the heterogeneous financial system associated with the customer approval system. It is preferable.

If the validity of the customer approval information is not authenticated (535), the server generates predetermined customer approval error information and transmits it to the terminal (540), and does not perform a customer approval procedure corresponding to the customer approval information. Do not.

On the other hand, if the validity of the customer approval information is authenticated (535), the server performs a customer approval procedure corresponding to the customer approval information, thereby accepting the customer's approval of the customer merger based on the customer information and the approval information. Process 545.

Thereafter, the server generates predetermined customer approval history information and transmits it to the terminal (550), thereby completing the procedure of acquiring the customer approval for the customer merger transmitted from the terminal.

6 is a diagram illustrating a customer approval system for approval of a customer merger according to another exemplary embodiment of the present invention.

In more detail, FIG. 6 illustrates that when a predetermined heterogeneous financial system composed of a predetermined financial system and a predetermined merging target financial system is merged with the financial system in the customer merge server shown in FIG. When the customer approval information is provided to the customer approval system through a predetermined customer approval interface, the customer approval information including at least one of the customer information and the approval information for the approval of the merging of the customer is included in the customer approval information. Process the customer information and approval information in association with the heterogeneous financial system to process the customer's approval of the customer merger, and delete the ledger in the merged financial system for the customer based on the customer's approval. When approving customer's merger of heterogeneous financial system to customer Regarding the stem configuration, those of ordinary skill in the art to which the present invention pertains may refer to or modify this drawing 6 to infer various implementation methods for the configuration of a customer approval system for approval of a customer merger. The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for approving the merger to the customer based on the customer approval information provided from the customer through a predetermined customer approval interface shown in FIG. 6. The corresponding component is referred to as " customer approval server 110 " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, the customer approval system for approval of the customer merger includes at least one client terminal including at least one wired terminal or a wireless terminal used by the customer. Characterized in that it comprises an approval terminal, the customer approval terminal is connected to the communication channel and the customer approval server 110 provided on the customer approval system through a predetermined network means.

According to an embodiment of the present invention, the customer accesses the customer approval server 110 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the customer When the customer approval information for approval of the customer merger is input (or selected) through at least one user interface provided by the approval server 110, the client terminal is provided on the customer approval system through a predetermined network means. It is preferable to transmit to the approved customer server 110.

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

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

In addition, the customer approval server 110 connected to the client terminal is either an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and network means, or the customer approval. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the customer approval server 110 is a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network connected to the client terminal It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the customer approval server 110, and inputs or selects at least one or more information through the user interface to transmit the information to the customer approval server 110. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the customer approval server 110, etc.) is provided.

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

In the customer approval system, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired or wireless communication network connecting the client terminal and the customer approval server 110. Performs a function of a customer approval interface for the customer to approve customer approval information for approval of the customer merge.

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

In the customer approval system as described above, when the customer approval terminal is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the customer approval server 110 are provided. ), The financial network that connects the customer performs a function of a customer approval interface for approving the customer approval information for the approval of the customer merge, or if the customer approval terminal is the call terminal (not shown), A wired telephone network or a wireless telephone network connecting a call terminal (not shown) and the call terminal (not shown) and the customer approval server 110 may allow the customer to approve customer approval information for approval of the customer merge. In the case of performing a function of an interface or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the customer approval terminal, (Or server) (not shown) and the network connecting the terminal (or server) (not shown) and the customer approval server 110 is a customer for the customer to approve customer approval information for approval of the customer merger. Perform the function of the approval interface.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer corresponding to the customer ledger for the merging of the customer, and member information of the customer (eg, the Member ID information, or CIF, provided in a customer ledger provided on the heterogeneous financial system associated with the deposit (or savings) account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Customer Information File) number, etc.) is preferably included.

The approval information is information corresponding to the approval of the customer for the merging of the customer, and preferably includes at least one or more approval information of the content for approving the customer merging or agreement information of the content agreeing with the customer merging.

The customer approval server 110 provided on the customer approval system according to the present invention is a generic term for the customer approval system side components connected to the customer approval terminal through a predetermined network means, and includes at least one server (or an apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer approval terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the customer approval server 110 is the Internet banking system. Is a predetermined Internet banking server provided on the program, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the heterogeneous financial system through the Internet banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the heterogeneous financial system accessible through the Internet banking server (or the server (or device)), or the heterogeneous financial system. It may be a program provided in the external world of the above, whereby the present invention is limited Not.

According to another exemplary embodiment of the present invention, when the customer approval terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the customer approval server 110 is on the wireless banking system. A predetermined wireless banking server or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the foreign system of the heterogeneous financial system through the wireless banking system, or the server (or Device) or a server (or device) external to the heterogeneous financial system accessible through the wireless banking server (or the server (or device)), or a server on the heterogeneous financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer approval terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the customer approval server 110 is connected to the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined access to the foreign system of the heterogeneous financial system through the telebanking system. A server (or device), a program included in the server (or device), or a server provided in the external world on the heterogeneous financial system accessible through the telebanking server (or the server (or device)) ( Or a device), or a program provided in the external system on the heterogeneous financial system, and the present invention is not limited thereto. You are good.

According to another exemplary embodiment of the present invention, when the customer approval terminal 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 customer approval server 110 is the TV banking system. Is a predetermined TV banking server provided on the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the outside world of the heterogeneous financial system through the TV banking system, or the server A program provided in (or a device), or a server (or device) provided in an external system on the heterogeneous financial system accessible through the TV banking server (or the server (or device)), or the heterogeneous financial system. It may be a program provided in the external system of the image, whereby the present invention is not limited.

According to an embodiment of the present invention, the customer approval server 110 is provided with an interface unit (or interface means) 600 for connecting and managing a predetermined communication channel with the customer approval terminal through the network means. It features.

According to an embodiment of the present invention, when the customer approval terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 600 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the customer approval server 110, the interface unit 600 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

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

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or a ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 600 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the customer approval server 110, the interface unit 600 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 customer approval terminal is a financial automation device connected to a predetermined financial network, the interface unit 600 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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

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

According to another exemplary embodiment of the present invention, when the customer approval terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 600 is based on a protocol stack defined in the TV banking system. At least one or more information (or data) by connecting a predetermined communication channel to the wired terminal (or interactive digital TV) and using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 6, the customer approval server 110 connects a communication channel with the customer approval server 110 through the interface unit 600 after a predetermined customer approval terminal is connected to the interface unit 600. An interface providing unit (or interface providing means) for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined customer approval information from the customer approval terminal in association with the customer approval terminal; 605 and an information receiving unit (or information receiving unit) 610 for receiving predetermined customer approval information transmitted from the customer approval terminal through the user interface in connection with the interface unit 600. And a validity confirming unit (or validity confirming means) 615 for confirming validity of the received customer approval information, and included in the validated customer approval information. A customer approval processing unit (or customer approval processing means) 620 for processing an approval for the customer merger of the customer by processing the connection with the financial system and the customer merger financial system based on the received customer information and the approval information; An information transmission unit (or information transmission means) 625 for transmitting the customer merger approval details of the customer approved by the customer approval processing unit 620 is characterized in that it is made.

The interface providing unit 605 connects a communication channel with the customer approval server 110 through the interface unit 600 after a predetermined customer approval terminal corresponds to the functional configuration provided in the customer approval terminal. Generate a predetermined user interface that can input (or select) customer approval information and transmit it to the customer approval server 110 through the network means, or extract from a predetermined database (not shown), and extract the interface unit ( And the user interface generated (or extracted) in connection with 600 to the customer approval terminal through the network means.

Thereafter, the customer approval terminal inputs (or selects) customer approval information including at least one of the customer information and the approval information based on the user interface, and inputs the input (or selected) customer approval information to the financial network. Through the transmission to the customer approval server 110.

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

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

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

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

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

According to another embodiment of the present invention, a predetermined customer having at least one user interface for inputting (or selecting) the customer approval information to the customer approval terminal and transmitting the customer approval information to the customer approval server 110 through the network means. When the approval program is provided, the interface providing unit 605 for providing the user interface to the customer approval terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 610 inputs (or selects) customer approval information including at least one of customer information and approval information through the user interface through the user interface, and transmits the information through the network means. And the customer approval information in connection with 600, and provides the received customer approval information to the validity confirming unit 615.

The customer information includes personal information (eg, name, resident registration number, address, phone number, mobile phone number, e-mail address, etc.) of the customer corresponding to the customer ledger for the merging of the customer, and member information of the customer (eg, the Member ID information, or CIF, provided in a customer ledger provided on the heterogeneous financial system associated with the deposit (or savings) account opening system in response to the customer by signing up as a financial transaction customer of the financial institution. Customer Information File) number, etc.) is preferably included.

The approval information is information corresponding to the approval of the customer for the merging of the customer, and preferably includes at least one or more approval information of the content for approving the customer merging or agreement information of the content agreeing with the customer merging.

The validity verification unit 615 is characterized in that whether the customer approval information received from the customer approval terminal satisfies the validity for approval of the customer merge.

According to an embodiment of the present invention, the validity check of the customer approval information may include checking whether at least one ledger information matching the customer approval information is registered in the ledger D / B on the heterogeneous financial system linked to the customer approval system. It is preferable that it consists of including.

For example, the validity check on the customer approval information includes checking whether the customer information included in the customer approval information matches the customer ledger stored in the ledger D / B on the heterogeneous financial system associated with the customer approval system. It is preferable.

When the validity of the customer approval information is confirmed, the customer approval processing unit 620 merges the customer with the financial system and the customer merger financial system based on the customer information and the approval information included in the customer approval information. It is characterized by processing by deleting the ledger information for the customer included in the financial system.

When the customer approval processing unit 620 processes the approval for the customer merger of the customer and deletes the ledger information for the customer included in the customer merger financial system, the information transmitting unit 625 processes the customer approval. Characterized in that the transmission to the customer.

7 is a diagram illustrating a process of approving a customer for merging a customer according to an exemplary embodiment of the present invention.

In more detail, FIG. 7 illustrates a case where the client approval server 110 on the customer approval system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the customer approval server 110 and connecting a communication channel for customer approval according to the present invention, the customer approval information including the customer information and approval information to the customer approval server 110 through the communication channel When transmitting, the customer approval server 110 processes the customer information and approval information included in the received customer approval information in association with the heterogeneous financial system to process the customer's approval for the customer merge, Heterogeneous financial system for the customer by deleting the ledger in the merged financial system for the customer based on the approval As an embodiment of the present invention for processing a customer merger, a person of ordinary skill in the art to which the present invention pertains, referring to or modifying the figure 7 to the customer approval server 110 from the client terminal to the customer Various implementation methods for customer approval may be inferred through the approval information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the client terminal shown in FIG. 6 is referred to as a “terminal” for convenience, and the customer approval server 110 shown in FIG. 6 is referred to as a “server” for convenience, and the client approval is performed in the client terminal. The customer information and approval information transmitted to the server 110 is referred to as "customer approval information" for convenience.

Referring to FIG. 7, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Accessing the server through a communication network or an IEEE 802.16x based portable Internet, etc., connecting a predetermined communication channel for approving the customer approval information, and requesting the approval of the customer approval information for approval of the customer merger ( 700, the server generates (or extracts) a web page corresponding to a predetermined customer approval interface for approving the customer approval information (705), and stores the generated (or extracted) web page through the communication channel. The transmission is output to the terminal (710).

According to an embodiment of the present invention, the customer approval interface preferably includes a user interface for inputting (or selecting) customer approval information including at least one of the customer information and the approval information in the terminal.

In addition, the web page transmission or output process is preferably performed at least once according to the customer approval information approval procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) customer approval information including at least one customer information and approval information through the customer approval interface (715).

If the customer approval information including the customer information and the approval information is input (or selected) through the customer approval interface (720), the terminal receives the input (or selected) customer information through the communication channel. And the authorization information is transmitted to the server (725).

According to an embodiment of the present invention, transmitting the input (or selected) customer information and approval information to the server through the communication channel, the customer approval information input (or selected) through the customer approval interface; The method may further include transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information and the approval information through the communication channel to check the validity of the customer approval information (730).

According to the exemplary embodiment of the present invention, checking the validity of the customer approval information may include decrypting the customer approval information when the customer approval information is electronically signed or encrypted through a security module provided in the terminal, or The method may further include decoding the customer approval information.

According to an embodiment of the present invention, the validity check of the customer approval information may include checking whether at least one ledger information matching the customer approval information is registered in the ledger D / B on the heterogeneous financial system linked to the customer approval system. It is preferable that it consists of including.

For example, the validity check on the customer approval information includes checking whether the customer information included in the customer approval information matches the customer ledger stored in the ledger D / B on the heterogeneous financial system associated with the customer approval system. It is preferable.

If the validity of the customer approval information is not authenticated (735), the server generates a web page including the predetermined customer approval error information and transmits it to the terminal (740), the customer corresponding to the customer approval information Do not perform the approval process.

On the other hand, if the validity of the customer approval information is authenticated (735), the server performs a customer approval procedure corresponding to the customer approval information, thereby accepting the customer's approval of the customer merger based on the customer information and the approval information. Process (745).

Subsequently, the server generates a web page including predetermined customer approval history information and transmits the generated web page to the terminal (750), thereby completing the procedure of acquiring the customer approval for the merged customer transmitted from the terminal.

8A and 8B illustrate a process of approving a customer for merging a customer according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a case where the client terminal system is implemented in a non-face-to-face channel based banking system through an internet banking system. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet, etc., the client terminal sends the customer information and the approval information to the Internet banking server with predetermined customer approval information for approval of the customer merger. When the customer approval information including the transmission, the customer approval server 110 and the customer information and approval information included in the received customer approval information in connection with the heterogeneous financial system to the customer approval of the customer merger And a ledger in the merged financial system for the customer based on the customer's approval. The present invention relates to a method for processing a customer merger of a heterogeneous financial system by deleting the present invention. Those skilled in the art to which the present invention pertains may refer to or modify the drawings 8a and 8b. Although various implementation methods for processing customer approval through the customer approval information may be inferred from the client terminal to the customer approval server 110, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in 8b.

That is, in FIGS. 8A and 8B, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for approving customer approval information between the client terminal and the Internet banking server is illustrated, those skilled in the art to which the present invention pertains, Approving customer approval information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 8b. top It would be possible to infer an implementation method of connecting an internet banking based financial transaction channel, but the present invention includes provided internet banking based financial transactions based on the internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 8a and 8b, in addition to the Internet banking system, telebanking system or wireless While another banking system such as a banking system or a TV banking system may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for approval of customer approval information, the present invention may infer the telebanking system or the wireless banking system or the TV. It includes all kinds of non-face-to-face channel-based financial transactions, including banking system or future proposed non-face-to-face banking system, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 8a and 8b Never.

8A and 8B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the customer approval server 110 is referred to as " server "

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

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

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

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

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

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

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) using a decryption method (or a decryption algorithm), and a predetermined digital signature is provided for the information (or data) to be provided to the server for approval of customer approval information from the terminal. Or at least one encryption method (or And encrypting the data using an encryption algorithm), so that the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

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

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

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

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

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (840a). In operation 845a, the server (or authentication server) authenticates a customer connected through the terminal as an internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), 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 (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and approving predetermined customer approval information for approval of customer merger from the terminal to the server.

Thereafter, when the terminal requests the approval of the Internet banking-based customer approval information to the server through the inter-banking-based financial transaction channel for the approval of the customer approval information (800b), the server may request the predetermined approval for the customer approval information. A web page corresponding to a customer approval interface is generated (or extracted) (805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (810b).

According to an embodiment of the present invention, the customer approval interface preferably comprises an interface for inputting (or selecting) customer approval information including at least one of customer information and approval information in the terminal, or the customer approval. Printed on a security card issued to the customer during the application process of the Internet banking in order to verify the validity of the information or the Internet banking customer requesting the approval of the customer approval information. Security code) or OTP (One Time Password) (e.g., one-time password generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include an interface.

In addition, the web page transmission or output process is preferably performed at least once according to the customer approval information approval procedure, thereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) customer approval information including at least one of the customer information and the approval information through the customer approval interface (815b).

If the terminal receives (or selects) customer approval information including the customer information and the approval information through the customer approval interface (820b), the terminal inputs (or selects) the terminal through the financial transaction channel. The customer approval information is transmitted to the server (825b).

According to an embodiment of the present invention, transmitting the customer approval information input (or selected) through the financial transaction channel to the server may include the customer approval information input (or selected) through the customer approval interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the customer approval information through the financial transaction channel to check the validity of the customer approval information (830b).

According to the exemplary embodiment of the present invention, checking the validity of the customer approval information may include decrypting the customer approval information when the customer approval information is electronically signed or encrypted through a security module provided in the terminal, or The method may further include decoding the customer approval information.

In addition, the validity check of the customer approval information, it is preferable to further comprise the authentication of the password or security code or OTP included in the customer approval information.

According to an embodiment of the present invention, the validity check of the customer approval information may include checking whether at least one ledger information matching the customer approval information is registered in the ledger D / B on the heterogeneous financial system linked to the customer approval system. It is preferable that it consists of including.

For example, the validity check on the customer approval information includes checking whether the customer information included in the customer approval information matches the customer ledger stored in the ledger D / B on the heterogeneous financial system associated with the customer approval system. It is preferable.

If the validity of the customer approval information is not authenticated (835b), the server generates a web page including predetermined customer approval information approval error information and transmits it to the terminal (840b), corresponding to the customer approval information. Do not perform customer approval procedures.

On the other hand, if the validity of the customer approval information is authenticated (835b), the server performs a customer approval procedure corresponding to the customer approval information, thereby accepting the customer's approval of the customer merger based on the customer information and the approval information. Process (845b).

Thereafter, the server generates a web page including predetermined customer approval information approval history information and transmits the generated web page to the terminal (850b), thereby completing the customer approval for the merged customer transmitted from the terminal.

According to the present invention, by providing an efficient automatic integration method for heterogeneous financial system, there is an advantage that can reduce the resource waste due to the data processing failure and overlapping data generated because the customer is registered in duplicate.

Claims (4)

In a heterogeneous financial system with individual ledgers, When merging the customer ledger (1) of the financial system (1) to be merged into the customer ledger (2) of the financial system (2), When the data field format is integrated so that the real name number of the customer ledger 1 and the customer ledger can be compared through the data field format integrating means, the real name number is compared in the duplicate customer identification means to the customer from the customer ledger 1 Confirming duplicate customer information including the same real name number as the real name number of the ledger 2; If duplicate customer information is confirmed, checking whether the duplicate customer information corresponds to any one customer through a real name verification server (or a tax office or a court server) in a real name verification means; And And maintaining the new date of the customer ledger (2) in the duplicate customer merging means to merge the duplicated customer information whose real name is confirmed from the customer ledger (1) to the customer ledger (2). When the non-duplicate customer information is confirmed, the non-duplicate customer information is retrospectively retrofitted with the new date of the non-duplicate customer information included in the customer ledger (1) to the new date of the customer ledger (2). Registering to; the method of merging customers between heterogeneous financial systems, characterized in that further comprises. delete delete delete

Images