KR101997511B1 - Agent program for processing bank affairs stored in record medium, system for processing bank affairs, and method for driving the same - Google Patents

Abstract

The present invention relates to a banking business processing agent, which comprises a connection management device for setting login information to be connected to an agent in conjunction with a banking business management server. The connection management device includes a login unit for confirming the presence of at least one of a certificate for confirming a previously executed history of the agent and a token key for confirming whether the login information is set, in a user terminal installed with the agent when the agent is executed, and displaying different pages according to whether at least one of the certificate and the token key is confirmed.

Description

Technical Field [0001] The present invention relates to a bank transaction processing program, a bank transaction processing program, a bank transaction processing program, a bank transaction processing program, a bank transaction processing program, a bank transaction processing program,

The present invention relates to a bank transaction processing agent, a bank transaction processing system, and a method of operation thereof.

Internet banking refers to a service that processes various financial transactions such as deposits and withdrawals provided by banks using the Internet, and utilizes various financial information and functions. To do this, the user can open an account provided by the bank and use the Internet banking through the account.

In order to use the Internet banking, users install an agent such as an application in a user terminal and process the banking work in connection with a server that manages the banking service through the agent.

Accordingly, the user can handle various banking operations using the agent without visiting the bank directly.

However, when handling financial transactions using the application for financial transactions, the user feels the following inconvenience.

When a conventional application is executed, an application always operates to display a predetermined initial page, and therefore, there is an inconvenience that a user must directly search for a desired page. For example, a user who has executed an application for the first time and a user who has completed membership before using the application are all provided with the same page, and must directly search a member registration page or a login page necessary for the user on the page.

Further, even when a user who has set up login information for accessing an application re-installs the application after deleting the application from the user terminal, or when the application is first executed by the user terminal changed due to device change or the like, It is inconvenient for the user to use the application.

Accordingly, there is a growing need for a technique that improves the convenience of the user in using the application.

BACKGROUND ART [0002] The technology that provides the background of the present invention is disclosed in Korean Patent Laid-Open Publication No. 10-2012-0060797 (titled, Financial service method using financial application, Jun. 12, 2012).

An object of the present invention is to display an appropriate page according to the step of executing an agent by a user and to minimize the inconvenience of the user when the agent is reinstalled or after the device is changed.

The banking processing agent according to an aspect of the present invention includes a connection management apparatus that establishes login information for accessing an agent in cooperation with a banking management server, and the connection management apparatus, when the agent is executed, The method comprising: confirming existence of at least one of a certificate for confirming the history of the agent executed in the installed user terminal and a token key for confirming whether or not the login information is set and checking whether at least one of the certificate and the token key is confirmed And a login unit for displaying different pages according to the user's preference.

The banking processing system according to an aspect of the present invention includes an agent for setting login information of a user and displaying a page for using the agent to the user, and an agent for setting the login information in cooperation with the agent, The agent generates a token key and transmits the token key to the agent, and the agent displays different pages according to whether the token key is confirmed when the agent is executed.

According to an aspect of the present invention, there is provided a method of operating a banking service processing agent, the method comprising the steps of: confirming existence of a certificate for checking the history of the agent when the agent is executed by searching the database of the user terminal; Confirming existence of a token key for checking whether the login information of the user is set by searching the database if the existence of the certificate is confirmed from the database; And displaying a login page when the presence of the token key is confirmed, and displaying a membership page if the presence of the token key is not confirmed.

According to the present invention, the agent separately manages at least one of a certificate for confirming the history of execution and a token key for confirming whether the login information is set, thereby displaying a page suitable for the user based on the certificate and the token key The convenience of the user can be improved.

FIG. 1 illustrates a banking processing agent and a banking management server according to an embodiment of the present invention. Referring to FIG.
FIG. 2 is a view illustrating a configuration of a user terminal provided with a banking processing agent according to an embodiment of the present invention.
3 is a detailed view of a connection management apparatus of a banking processing agent according to an embodiment of the present invention.
4 is a diagram illustrating a start page displayed through a connection management apparatus according to an embodiment of the present invention.
5A is a diagram showing a membership registration page displayed through a connection management apparatus according to an embodiment of the present invention.
5B to 5D are views showing a login page displayed through the connection management apparatus according to the embodiment of the present invention.
5E is a diagram illustrating a device change page displayed through the connection management apparatus according to the embodiment of the present invention.
6 is a detailed view of an account opening device of a banking processing agent according to an embodiment of the present invention.
FIG. 7 is a detailed view of a interest management apparatus of a banking transaction processing agent according to an embodiment of the present invention.
FIG. 8 is a detailed block diagram of the interest management apparatus of the banking transaction processing agent according to another embodiment of the present invention.
9 is a detailed view of a banking management server according to an embodiment of the present invention.
10 is a flowchart schematically illustrating an implementation process of an agent operating method according to an embodiment of the present invention.
11 is a flowchart schematically illustrating an implementation method of an agent according to an embodiment of the present invention for displaying a page suitable for a user.
FIG. 12 is a flowchart schematically illustrating an operation method of an agent according to an embodiment of the present invention, which allows a user who sets login information to easily use an agent.

It should be noted that, in the specification of the present invention, the same reference numerals as in the drawings denote the same elements, but they are numbered as much as possible even if they are shown in different drawings.

Meanwhile, the meaning of the terms described in the present specification should be understood as follows.

The word " first, "" second," and the like, used to distinguish one element from another, are to be understood to include plural representations unless the context clearly dictates otherwise. The scope of the right should not be limited by these terms.

It should be understood that the terms "comprises" or "having" does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, or combinations thereof.

It should be understood that the term "at least one" includes all possible combinations from one or more related items. For example, the meaning of "at least one of the first item, the second item and the third item" means not only the first item, the second item, or the third item, but also the first item, the second item, Means a combination of all items that can be presented from two or more of them.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

FIG. 1 is a view showing a banking transaction processing agent and a banking transaction management server according to an embodiment of the present invention, FIG. 2 is a view schematically showing a configuration of a user terminal installed with a banking transaction processing agent according to an embodiment of the present invention FIG. 3 is a detailed view of a connection management apparatus of a banking transaction processing agent according to an embodiment of the present invention, FIG. 6 is a detailed view of an account opening apparatus of a banking transaction processing agent according to an embodiment of the present invention, FIG. 7 is a detailed block diagram of the interest management apparatus of the banking transaction processing agent according to the embodiment of the present invention.

A banking processing agent (hereinafter, referred to as an 'agent') 100 according to an embodiment of the present invention processes a banking service at the request of a user. The agent 100 may allow opening of an account for the registered user. The agent 100 can manage the interest accumulated in the opened account and display the interest to be accumulated in real time.

To this end, the agent 100 includes a connection management device 120, an account opening device 160, and a interest management device 180, as shown in Figs.

The connection management apparatus 120 proceeds to join the user who intends to use the agent 100 in cooperation with the banking management server 2000. [ In one embodiment, the connection management apparatus 120 may collect the personal information of the user and proceed with membership.

Also, the connection management apparatus 120 manages login information of a user who has completed member registration. In one embodiment, the connection management apparatus 120 can receive login information from a user at the time of membership registration and register the login information. The login information may include login means that a user inputs to the connection management apparatus 120 for login, and the login means includes at least one of biometric information such as fingerprint / face / iris, pattern information to which keys on the keypad are connected can do. However, the login means that can be used in the present invention are not limited to the above contents, and thus may include various other information not described. In addition, the login information may further include a PIN number used as an authentication means for banking processing.

The account opening device 160 opens an account at the request of the user who has completed membership registration. The account that can be opened through the account opening device 160 may include at least one of a demand account, a deposit deposit account, and an accumulated deposit account.

In one embodiment, the account opening device 160 may receive the real name verification information from the user and open an account for the request of the user whose real name is confirmed through the corresponding real name verification information. The real name confirmation information may include identification information of a user who has photographed his / her identification card and information on another user's account. The account opening device 160 can complete the account opening by transmitting the set amount and the interest rate of the account requested by the user to the banking service management server 2000. [

The interest management device 180 manages the interest of the opened account. The interest management device 180 can obtain information on the interest paid to the account at the predetermined interest payment date based on the deposit balance and the interest rate of the account. Information about the interest paid may refer to the interest to be paid to the account at the interest payment date. The interest management device 180 may display the interest amount to be paid to the account on the interest payment date.

Also, the interest management device 180 can display the expected interest to be accumulated from the account opening date to the current time in real time. Accordingly, the agent 100 according to the present invention displays the expected interest that is expected to be accumulated in real time separately from the payment interest actually paid to the account on the interest payment date, so that the user can check the interest earned status and maintain the account It can make you feel pleasure.

In the above description, the agent 100 is described as including the same configuration as the connection management apparatus 120, the account opening apparatus 160, and the interest management apparatus 180. However, If the application is implemented as an application installed and operated in the user terminal 1000, the application can integrally perform the functions of the connection management apparatus 120, the account opening apparatus 160, and the interest management apparatus 180 have.

In this embodiment, the application may be downloaded through an online marketplace such as an app store, Google Play, etc., installed in the user terminal 1000, or installed by a terminal manufacturer during terminal manufacture.

The user terminal 1000 may be a personal computer (PC) or a notebook computer having a wired Internet connection and a browsing function, a notebook or a mobile terminal having a wireless LAN / portable Internet connection and a browsing function, A Personal Communication System (PCS), a Global System for Mobile (GSM) terminal, a Personal Digital Assistant (PDA), or a Smart Phone.

As shown in FIG. 2, the agent 100 may further include a client information file creation requesting apparatus 140.

The customer information file generation requesting apparatus 140 requests the generation of a customer information file (Customer Information File). The customer information file generation requesting apparatus 140 receives customer information from the user through the connection management apparatus 120 and requests the user to generate a customer information file for the user. In one embodiment, the customer information may be a name and a resident registration number of the user, and the customer information file creation requesting device 140 may receive customer information from a user who has completed login information setting or PIN number setting.

In the present invention, the reason for receiving the customer information for generating the customer information file is to satisfy the obligation to confirm the non-face-real name in the financial real name law by generating the customer information for the user who can open the account.

According to this embodiment, when the client information file generation requesting apparatus 140 transmits a client information file creation request to the banking management server 2000, the banking management server 2000 generates a client information file for the user. Specifically, when a request for generating a customer information file including customer information is received from the customer information file generation requesting apparatus 140, the banking management server 2000 determines whether the user is a user who can open an account based on the customer information . For example, the banking management server 2000 determines whether the age corresponds to an age in which an account can be opened based on the name and resident registration number of the user included in the customer information, and determines whether the name matches the resident registration number It is determined whether the user is a user who can open an account. If the user is a user who can open an account, the user information file can be generated for the user.

As described above, according to the present invention, the banking service management server 2000 generates the customer information file for the user in response to the request for generating the customer information file of the customer information file generation requesting apparatus 140, All the information can be managed as one file, and thus the vast amount of information of the users can be efficiently managed.

In the above-described embodiment, the account opening is permitted when the customer information file can be generated. However, in the modified embodiment, in the case of a user who is hard to generate the customer information file, such as a foreigner or a minor, The customer information file may be generated by using other customer information (for example, an alien registration number, information on the consent of the protector, resident registration number of the protector, etc.) other than the resident registration number or name required for registration.

Hereinafter, a specific configuration of the connection management apparatus 120 will be described with reference to FIG.

3, the connection management apparatus 120 includes a login unit 124 and may further include at least one of a certificate validation unit 126 and a token key validation unit 128. [

The login unit 124 manages login information for the user to access the agent 100. To this end, the log-in unit 124 receives information for authenticating the user by providing a start page to the user when the agent 100 is initially executed. When the information for authenticating the user is received, the log-in unit 124 displays the member-joining page to guide the user to join the membership.

In the first embodiment, the log-in unit 124 directly receives information for user authentication of the user through the start page, and allows the user who has completed the authentication of the user to join the membership. For example, when the user terminal 1000 is a device having a predetermined number such as a cellular phone, the login unit 124 can authenticate the user through authentication using the mobile phone number.

As a second embodiment, the log-in unit 124 may allow a user to join a user through interlocking with another application installed in the user terminal 1000, without directly receiving the information for authenticating the user. For example, when the agent 100 is implemented as an application installed in the user terminal 1000, the log-in unit 124 may operate in cooperation with another application installed in the user terminal 1000, Can be authenticated. Accordingly, the agent 100 according to the present invention can improve the convenience of the user by simplifying the membership process through interlocking with other applications. However, the agent 100 according to the second embodiment proceeds to the authentication process similar to that of the first embodiment in order to process the banking service such as the account opening of the user.

In addition, the login unit 124 can register the login information for the user whose authentication has been completed. The login unit 124 may receive biometric information such as pattern information, fingerprint / face / iris, and the like, to which the keys on the keypad are connected, and register the input information as login information. The login unit 124 registers the login information in the banking management server 2000. When the login information is inputted from the user, the login unit 124 transmits the input login information to the banking management server 2000 so as to request the login of the user . Accordingly, in the embodiment of the present invention, only the connection of the user who has registered the login information is allowed, and the connection of the agent 100 of the user who has no legitimate authority can be blocked.

In one embodiment, the login unit 124 may additionally receive and register the PIN number using the login information. The PIN number can be used as an authentication means for the user to process the banking service through the agent 100, but the present invention is not limited thereto.

5A is a view showing an example of a membership registration page displayed through a connection management apparatus according to an embodiment of the present invention, and FIGS. 5B to 5D are views showing an example of a start page, Fig. 7 is a view showing an example of a login page displayed through a connection management apparatus according to Fig.

5B is an example of a screen for inputting the pattern information as the login means set in the login unit 124, FIG. 5C is an example of a screen for inputting the fingerprint information as the login means set in the login unit 124, 5D shows an example of a screen for inputting the PIN number set in the login unit 124. [

In the embodiment of the present invention, the login unit 124 allows the user to start the agent 100 by providing a start page as shown in FIG. 4 when the agent 100 is initially executed, The user can be guided to join the membership by providing a membership page such as the bar, and the login of the user can be guided by providing a login page as shown in FIGS. 5B to 5D.

Particularly, in the embodiment of the present invention, the log-in unit 124 may display a page most suitable for the user based on whether the agent 100 is used when the agent 100 is executed. For example, when the agent 100 is executed, the log-in unit 124 first determines whether the certificate is stored. If the certificate is not stored, the user terminal 1000 determines that the agent 100 is to be executed for the first time and generates a certificate.

When the certificate generation is completed or the certificate is already stored, the log-in unit 124 confirms whether or not the log-in information has a set history. When there is no history in which the login information is set, the log-in unit 124 guides the user's registration by sequentially providing a start page as shown in FIG. 4 and a member registration page as shown in FIG. 5A, When there is a history in which the login information is set, the login unit 124 provides a login page as shown in FIG. 5B to FIG. 5D, thereby guiding the user's login.

Hereinafter, this will be described in more detail.

The login unit 124 requests the user terminal 1000 to generate a certificate when the agent 100 is executed for the first time in the user terminal 1000, that is, when the user terminal 1000 has no history of execution of the agent 100 . The certificate is for confirming an executed history of the agent 100 installed in the user terminal 1000. Accordingly, in the embodiment of the present invention, the agent 100 can confirm whether or not there is a history executed in the user terminal 1000 based on the existence of the certificate.

The user terminal 1000 generates a private key and a public key at the request of the log-in unit 124. At this time, the user terminal 1000 accesses a secure element (hereinafter, referred to as 'database 500') using an API (Application Programming Interface) provided by the OS (Operating System) of the user terminal 1000 Generate private and public keys. Then, the user terminal 1000 transmits the public key to the banking management server 2000 through the log-in unit 124. The banking management server 2000 generates a certificate by encrypting (signing) the received public key using the private key of the banking management server 2000, and forwards the generated certificate to the login unit 124. The login unit 124 stores the received certificate in the database 500.

Storing the certificate in the database 500 of the user terminal 1000 without storing the certificate in the repository inside the agent 100 is intended to securely store the certificate regardless of an external attack against the agent 100. [ Accordingly, the agent 100 can refer to the database 500 of the user terminal 1000 to check whether there is a history in which the agent 100 is installed.

Meanwhile, the banking management server 2000 may store the public key received from the log-in unit 124, and may manage the login information by matching with the public key.

Accordingly, the agent 100 and the banking management server 2000 according to the present invention can perform the banking operation only when the login information and the public key corresponding to the information of the user terminal 1000 installed with the agent 100 match Can be accepted. In this case, the third party can log in with the login information of the legitimate user to the agent installed in the other user terminal to block the processing of the banking service, thereby further enhancing the security of the banking service.

Also, the log-in unit 124 may receive the token key from the banking management server 2000 when the login information is set by the user. The token key is for confirming whether or not the login information through the agent 100 is set. Accordingly, in the embodiment of the present invention, it is possible to check whether the login information is set based on the presence or absence of the token key. The login unit 124 may receive the token key generated by the banking service management server 2000 when the login information is set to be interlocked with the banking management server 2000. The token key may be generated with various values having unique values for each agent 100. [

The login unit 124 stores the received token key in the database 500 of the user terminal 1000. Storing the token key in the database 500 of the user terminal 1000 without storing the token key in the repository inside the agent 100 is advantageous for safely storing the token key regardless of the external attack against the agent 100. [ will be. Accordingly, the agent 100 can confirm whether or not the login information is set by referring to the database 500 of the user terminal 1000. At this time, the banking management server 2000 can manage login information received from the log-in unit 124 by matching the public key and the token key.

Through the above process, when the agent 100 is executed for the first time, the log-in unit 124 requests the certificate creation by the user terminal 1000 to store the certificate in the database 500. When the login information of the user is set, By receiving the token key from the management server 2000 and storing it in the database 500, it is possible to display the optimal page required by the user using the certificate and token key stored in the database 500 when the agent 100 is executed.

The certificate validation unit 126 confirms whether the certificate is stored in the database 500 of the user terminal 1000. The certificate validation unit 126 can check whether the certificate is stored in the database 500 when the agent 100 installed in the user terminal 1000 is executed. When the existence of the certificate is confirmed in the database 500 by the certificate checking unit 126, the log-in unit 124 can determine that there is a history of execution of the agent 100 through the corresponding user terminal 1000.

On the other hand, if the certificate checking unit 126 does not confirm the certificate from the database 500, the log-in unit 124 determines that there is no history of execution of the agent 100 through the corresponding user terminal 1000, (1000).

The token key confirmation unit 128 confirms whether the token key exists in the database 500 of the user terminal 1000 when the certificate exists or when the certificate creation is completed. The token key confirmation unit 128 can check whether the token key exists in the database 500 when the existence of the certificate is confirmed through the certificate confirmation unit 126 or when the certificate generation is completed. When the existence of the token key is confirmed by the token key confirmation unit 128, the login unit 124 can confirm that the login information is set in the agent 100 installed in the corresponding user terminal 1000. In this case, the login unit 124 displays the login page as shown in FIG. 5B to FIG. 5D, thereby guiding the user who has already set up the login information to log in immediately.

Specifically, the log-in unit 124 encrypts (digitally signs) the random number using the private key stored in the database 500 if the token key is found by the token key check unit 128, The generated random number, the certificate stored in the database 500, and the token key to the banking management server 2000 through the log-in unit 124. The banking management server 2000 verifies the encryption result, the certificate, and the token received via the login unit 124. [ Specifically, the banking management server 2000 verifies the encryption result by comparing the random number obtained by decrypting the received encryption result with the random number received from the log-in unit 124, decrypts the received certificate with the stored public key, And compares the received token key with a token key that is stored in a matching manner with the certificate. If all of the token keys are valid, the result is sent to the login unit 124, . At this time, the banking service management server 2000 may determine whether the corresponding token key is a valid token key generated directly based on the format of the token key generated at the time of setting the login information. However, since the present invention is not limited to this, the method for determining the validity of the token key by the banking service management server 2000 may be variously implemented.

On the other hand, if the presence of the token key is not confirmed by the token key confirmation unit 128, the login unit 124 can confirm that the login information is not set in the agent 100 installed in the corresponding user terminal 1000 . In this case, the login unit 124 can sequentially display the start page as shown in FIG. 4 and the member registration page as shown in FIG. 5A.

As described above, when the agent 100 is executed in the user terminal 1000, the agent 100 according to the present invention omits the process of setting membership and login information when the certificate and the token key are confirmed, You can display a login page where you can enter one login. Thus, embodiments of the present invention can improve the implementation speed of the agent 100 and improve the convenience of the user's use of the agent 100. [ In addition, the agent 100 can improve the convenience of the user's use of the agent 100 by displaying the start page and the membership page if the certificate or the token key is not confirmed.

In the above-described embodiment, the log-in unit 124 sequentially provides the start page and the membership page when there is no log-in information setting history. However, in the modified embodiment, if the log-in information setting history does not exist, the log-in unit 124 further determines whether or not to join the service after providing the start page, If the subscription history is confirmed, it can be determined that the device is changed or re-installed, thereby providing a page corresponding to the device change or re-installation of the agent app (hereinafter referred to as a "device change page"). An example of a page for changing the device is shown in FIG. 5E.

The reason why the login unit 124 separately provides the device change page after the start page is that the agent 100 is deleted from the user terminal 1000 and then reinstalled or the agent 100 100), the user who uses the agent 100 may feel a great inconvenience if he or she has to go through a process of setting up a new member and setting login information through the same procedure as membership registration after displaying the membership page

Accordingly, in the embodiment of the present invention, a new certificate and a token key can be set through a simplified authentication process within a range where the security performance of the banking process using the agent 100 can be maintained, Can be minimized.

Specifically, when the login history of the login information is not confirmed, the login unit 124 receives the information for authentication of the user through the provision of the start page and sets the login information based on the received user authentication information You can see if you have a history. In one embodiment, the log-in unit 124 obtains the device identification information uniquely assigned to the corresponding user terminal 1000 in the process of providing a start page or receiving information for authentication of the user, It may be determined that the current state is a device change state or an agent reinstallation state, so that different procedures may be performed in the case of device change and agent reinstallation. For example, in the case of agent reinstallation, a simpler authentication process may be performed than in the case of device change.

On the other hand, the log-in unit 124 authenticates the user by inputting the login information and the real name confirmation information set for the user having the history setting the login information as a result of checking based on the authentication information, And upon completion, receive the token key from the banking management server 2000 based on the corresponding login information. At this time, the log-in unit 124 can receive the ID card from the user for confirming the real name, but the present invention is not limited thereto.

At this time, the login unit 124 can receive a new token key from the banking service management server 2000, but the present invention is not limited to this, and thus the previously used token key is received from the banking management server 2000 It is also possible. That is, since the banking management server 2000 manages the login information by matching the received public key and the token key, it can extract the token key matched with the login information input from the user and provide the extracted token to the login unit 124 .

The login unit 124 transmits the public key generated by the user terminal 1000 to the banking management server 2000 according to the execution of the agent 100 so that the banking management server 2000 transmits a new public key It can be managed by matching with the login information. That is, in case of reinstallation of the agent 100 or change of the device of the user terminal 1000, a new certificate is generated, so that the login unit 124 transmits the public key to the banking management server 2000, And register the new public key.

On the other hand, if the login unit 124 determines that there is no history of setting the login information as a result of checking based on the authentication information, the login unit 124 may proceed with the membership registration process and the login information setting process by providing the membership registration page, Membership can be simplified through interworking with other applications.

As described above, in the embodiment of the present invention, when the reinstallation of the agent 100 or the change of the device of the user terminal 1000 occurs, the simplified authentication process using the already set login information as described above, It is possible to minimize the inconvenience that the user who sets the login information repeatedly performs an unnecessary process by matching the login information with the login information, and further, by confirming the real name using the identification information in addition to the login information, It is possible to prevent the user from logging in as an agent of another user terminal, thereby improving security performance.

Hereinafter, a specific configuration of the account opening device 160 will be described with reference to FIG.

6, the account opening device 160 includes a goods guide unit 161, an account information setting unit 163, and a real name confirmation unit 165. [

The product guide unit 161 guides the banking-related goods available through the agent 100. The product guidance unit 161 can guide the user to the account item including the request account, the deposit deposit account, and the accumulation deposit account. Accordingly, the user can apply for the opening of an account desired to join among the guided account items.

The account information setting unit 163 sets account information according to a request of a user wishing to open an account. The account information setting unit 163 can receive a product application for an account desired by the user and information necessary for opening an account. The information required for opening an account can be changed according to the account opened.

For example, when the user desires to open a request-based account, the account information setting unit 163 can receive the purpose of using the account. The purpose of use may be considered in changing the limit account to a general account when requesting a limit account release for the requested account.

When the user desires to open the deposit deposit account or the accumulation deposit account, the account information setting unit 163 additionally inputs not only the information input at the time of opening the demand-demand account but also the setting amount desired by the user, Can receive. In this case, the account information setting unit 163 can determine the interest rate of the account based on the inputted set amount and the subscription period. For example, since the interest rates corresponding to the subscription period are set differently according to the characteristics of the respective accounts, the account information setting unit 163 can set the interest rate of the account according to the input of the user.

The account information setting unit 163 can receive customer confirmation information such as CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence), and can receive additional Foreign Account Tax Compliance Act (FATCA) for overseas taxpayers have. The account information setting unit 163 allows the user to confirm the depositor protection law, the illegal / illegal prohibition guidance, etc. by providing the user with the merchandise terms and manual.

The real name confirmation unit 165 confirms the real name of the user according to the user's account opening request. The real name confirmation unit 165 can confirm the real name of the user in a non-face manner. For this purpose, the real name confirmation unit 165 can confirm the user's real name using the image of the user's ID card. Also, the real name confirmation unit 165 can confirm the real name of the user by using the other account information of the user. As described above, the agent 100 according to the present invention improves the convenience of the user opening an account by checking the real name of the user in a non-face-to-face manner and establishing an account, and also provides a double authentication method using the identification card and the account information By authenticating the user, the user can open his / her own account with his / her real name.

Hereinafter, a method of confirming the user's real name by the real name verification unit 165 will be described in detail.

First, as described above, the real name confirmation unit 165 can confirm the user's real name using the user's ID card. For this, the real name confirmation unit 165 can acquire the image of the user's ID card. The real name confirmation unit 165 can acquire the ID image by photographing the user ID card in cooperation with the camera of the user terminal 1000. The real name confirmation unit 165 can acquire images of ID cards such as a resident registration card and a driver's license.

Then, the real name confirmation unit 165 extracts the reference information from the obtained ID image and confirms the real name of the user based on the extracted reference information. The reference information is information from which the identity of the user can be confirmed from the ID card, and may include the name, the resident registration number, and the issue date. Since the position at which the reference information is written according to the ID card is determined, the real name confirmation unit 165 can extract the reference information by checking the letters or numbers written at the predetermined position of the acquired image.

Then, the real name confirmation unit 165 can determine whether the corresponding identification card is authentic based on the extracted reference information. The real name confirmation unit 165 may request reference information extracted by an external organization (not shown) to determine whether the ID card is authentic. For example, the real name confirmation unit 165 may request the authenticity determination of the identification card by a non-face identification verification service provision server (not shown) established by the KFTC. Alternatively, if the photographed ID card is a driver's license, the real name verification unit 165 may request the road traffic corporation or the police agency to determine whether the ID card is authentic. If the photographed ID card is a resident registration card, 24 or complaints 24).

In the above-described embodiment, the real name confirmation unit 165 requests that the non-face identification authenticity verification service providing server, the road traffic corporation, the police agency, or the civil service portal server directly inquire the authenticity of the ID card. However, in another embodiment, the real name verification unit 165 may request the server or the agency to determine whether the ID card is authentic via the banking management server 2000.

According to one embodiment, in the process of confirming the user's real name using the user's ID card, the real name confirmation unit 165 may allow the user to modify the extracted reference information. For example, an error may occur in the extracted reference information due to the difference in the image quality of the photographed image depending on the performance of the camera for photographing the ID card or the surrounding environment in which the ID card is photographed, Can be modified. Accordingly, the agent 100 according to the present invention can prevent an error occurring in the identification of the user due to the erroneous extraction of the reference information due to an external factor of shooting the ID card.

However, if unlimited modification of the reference information is permitted, a situation may arise in which an unauthorized user takes an arbitrary ID and corrects all the reference information. Therefore, the real name confirmation unit 165 compares the correction information corrected by the user with the extracted reference information, and allows the correction only when the correction information is within a predetermined range from the extracted reference information. In one embodiment, the real name confirmation unit 165 may determine whether to allow or deny based on the ratio of the extracted reference information to the extracted reference information. In this case, the ratio may be set to reflect the camera performance or the like. For example, the ratio may be set to allow correction only when the ratio of the corrected reference information to the extracted reference information is within 5%.

In another embodiment, the real name confirmation unit 165 may store characters or numbers that are likely to be erroneously extracted as error information, and determine whether the corrected reference information corresponds to the error information to determine whether or not to permit the error information. That is, the error information means information matching a character or a number that is expected to be erroneously extracted with respect to a character or a number included in the specific reference information. For example, the character 'Gil' is likely to be mistakenly extracted as 'Kim', and the number '0' is likely to be extracted incorrectly as '8'. Accordingly, the real name confirmation unit 165 permits correction only when the letters or numbers corresponding to the error information preformed by the user are corrected, thereby correcting only the reference information that can be erroneously extracted, The effectiveness of verification can be improved.

Meanwhile, the real name confirmation unit 165 may compare the modified information corrected by the user with the extracted reference information, and may further include a name or a resident registration number of the user acquired in the process of collecting the customer information, Customers may also use additional registered customer information.

In the above description, it is described that the real name confirmation unit 165 transmits the extracted reference information to the external organization to request the determination of authenticity of the identification card. However, the present invention is not limited to this, It is also possible to judge whether or not it is true or false.

In addition, as described above, the real name verification unit 165 can confirm the real name of the user by using the user's other account information.

To this end, the real name confirmation unit 165 can receive the other account information from the user. The other account information may include another bank name and another account number. The real name confirmation unit 165 confirms that the real name and the resident registration number of the owner of the other account corresponding to the received second account number are identical to the real name and the resident registration number of the user (hereinafter, the term 'real name' It is possible to confirm that they match with each other, and to deposit a predetermined amount into the other account number. At this time, the real name confirmation unit 165 can identify the real name of the user by writing the identification information including at least one of a predetermined character and a number as the depositor's name, and receiving the identification information written in the depositor's name from the user .

That is, only when the second account is a normal account opened by the user and the user has normal access to the second account, the user confirms the predetermined character or number written in the second account by the real name confirmation unit 165 The real name confirmation unit 165 can easily confirm the user's real name in the same manner as described above.

In particular, the agent 100 according to the embodiment of the present invention can asynchronously perform the process of confirming the blindness through the identification of the identity card and the process of confirming the blindness through the account information of the other accounts. That is, the agent 100 according to the embodiment of the present invention can perform the process of confirming the real name through the other account information irrespective of the completion of the real name verification process through the ID image capture.

More specifically, it is as follows. As described above, the blindness verifying unit 165 requests the external organization to judge whether the ID card is authentic in the process of confirming the identity of the user through the identification of the ID card, so that the determination of the authenticity of the ID card may be delayed have. When the process of confirming the authenticity of the ID card is completed and the process of confirming the real name using the other account information is performed, the user may inconvenience the user to wait unnecessarily until the authenticity determination of the ID card is completed. Accordingly, in the embodiment of the present invention, the blindness verifying unit 165 first proceeds to the blindness checking process through the other-account information irrespective of the completion of the blindness checking process through the photographing of the ID card, and informs the user that the application for opening an account has been completed . Then, the real name confirmation unit 165 informs the user of the completion of opening an account or the opening of an account according to a result of determining whether the ID card is authentic, thereby reducing unnecessary waiting time of the user.

In one embodiment, the verification of the real name can be performed first, and the verification of the real name can be performed secondarily through the information of the other account through the authenticity verification of the identification card. In another embodiment, the first real name verification may be performed by using the authentication result of the person himself / herself through the video call or the authentication result verified when the access medium (for example, the OTP or the check card) is transmitted offline, Verification of the real name may be performed by authenticating the user through the video call or by using the result of the authentication of the user, which is confirmed when the access medium is delivered offline, or by using the existing account of the user.

In addition, the account can be opened when the first real name verification and the second real name verification are completed. However, in another embodiment, in addition to the first real name verification and the second real name verification, a mobile phone, a public certificate, And the result of a credit information company or the like may be additionally used.

As described above, the agent 100 according to the embodiment of the present invention, as the first embodiment, directly receives information for authentication of the user and proceeds to join the membership, or interacts with other applications as a second embodiment It is possible to proceed with membership without directly receiving the information for authentication.

In addition, when the member registration process is performed according to the first embodiment, the connection management apparatus 120 sets the login information in the member registration step. However, when the member registration is proceeded according to the second embodiment, You have not set up login information that includes a number.

Accordingly, in the case of proceeding with the membership registration according to the second embodiment, the account opening device 160 can set the login information including the login means and the PIN number of the user in the process of opening the account. The same method as the method set by the connection management apparatus 120 may be applied, so that a repetitive description of a specific method will be omitted.

Hereinafter, a specific configuration of the interest management device 180 will be described with reference to FIG.

7, the interest management apparatus 180 may include a payment interest information obtaining unit 183, a reference time calculating unit 186, and a real time interest displaying unit 187. [

The payment interest information obtaining unit 183 obtains information on the interest paid to be paid to the account on the predetermined interest payment date based on the deposit balance and the interest rate of the account. For example, the payment interest information obtaining unit 183 may obtain information on a payment interest to be paid to an account at a predetermined interest payment date from the banking management server 2000. However, since the present invention is not limited to this, the payment interest information obtaining unit 183 obtains the account information such as the deposit balance and the interest rate of the account from the banking service management server 2000 and calculates the direct payment interest based on the account information It is also possible to obtain information about the interest paid.

The reference time calculator 186 calculates a reference time required to accumulate the preset reference amount. The reference amount can be set to the minimum amount of interest displayed through the real-time interest display unit 187. [ For example, when the real-time interest display unit 187 displays the expected interest in units of 0.01 yen, the reference time calculator 186 can calculate the reference time required to accumulate 0.01 won. The reference time calculator 186 can calculate a reference time required to accumulate the reference amount based on the account information obtained through the account information obtaining unit 181. [ For example, the reference time calculator 186 can calculate the interest paid to the account on the interest payment date based on the deposit balance and the interest rate of the account, and divides the time until the interest payment date according to the ratio of the reference amount to the interest paid The reference time can be calculated. Accordingly, the reference time is calculated to be shorter as the deposit balance of the account is larger and the interest rate is higher.

The real-time interest display section 187 displays the expected interest to be accumulated from the account opening date to the current time in real time.

The real-time interest display unit 187 can display, in real time, the expected interest calculated by accumulating the reference amount each time the reference time elapses from the account opening date. As described above, since the reference time is calculated shorter as the deposit balance of the account is larger and the interest rate is higher, the higher the deposit balance of the account and the higher the interest rate, the more the expected interest is displayed with the shorter period. The real-time interest display unit 187 can directly calculate the expected interest and display it in real time. However, when the interest management device 180 further includes a configuration for calculating real-time interest, the expected interest calculated through the configuration is received and displayed You may.

As described above, since the number of deposits and the interest calculation method can be changed depending on the account type, the result calculated through the reference time calculation unit 186 and the result displayed through the real-time interest display unit 187 are different from each other .

For example, since the free deposit and withdrawal account is an account that allows a user to freely deposit and withdraw without having to notify the bank, if the account is a free deposit and withdrawal account, the reference time calculated through the reference time calculator 186 can be changed each time deposit or withdrawal occurs. Specifically, when the deposit occurs, the reference time is shortened, and when the withdrawal occurs, the reference time becomes longer. Accordingly, the real-time interest calculation unit 187 accumulates the reference amount in a shorter period in the case of deposit, and accumulates the reference amount in a longer period in the case of withdrawal, thereby displaying the expected interest in real time. The free deposit / withdrawal account may be a demand deposit account, but it is not limited to this, and thus it may be a deposit deposit account in which the withdrawal withdrawal function is set up, or an accumulation deposit account in which the withdrawal withdrawal function is set up.

In addition, since the withdrawable account can be withdrawn even before the expiration date of the account, if the account is a withdrawable account, the reference time calculated through the reference time calculator 186 becomes longer each time the withdrawal occurs . Accordingly, the real-time interest calculation unit 187 accumulates the reference amount at a longer period every time a middle withdrawal occurs in the withdrawable account to display the expected interest in real time. The withdrawable account can be, but is not limited to, a deposit account with a withdrawal function and a withdrawal account with a withdrawal function.

In addition, since the periodic deposit generating account is an account that can receive interest payments for a predetermined period in return for depositing a predetermined amount in a predetermined period during a predetermined period of time, if the account is a regular deposit generating account, the reference time calculating unit 186 The calculated reference time is shortened each time deposit occurs. Accordingly, the real-time interest calculation unit 187 accumulates the reference amounts at a shorter period every depositing time of the regular deposit generation account, and displays the estimated interest in real time.

However, in the case of a regular deposit account, the interest rate may be changed at each deposit period, so that the reference time calculator 186 can calculate the reference time by reflecting the deposit amount and the interest rate corresponding to the deposit period every deposit period. In particular, in the case of an account in which the interest rate is set to decrease at each deposit period, the reference time calculated through the reference time calculator 186 may become longer as the deposit occurs. The periodic deposit account can be, but is not limited to, a deposit account.

In addition, the depositing account as described above does not occur only on a regular basis, and depositing may occur irregularly according to a time point desired by the user. In this case, the reference time calculated through the reference time calculator 186 becomes shorter each time deposit occurs. Accordingly, the real-time interest calculation unit 187 accumulates the reference amount at a shorter period every depositing time of the irregular deposit generating account, and displays the expected interest in real time.

Accordingly, the agent 100 according to the present invention displays the expected interest to be accumulated up to the current time separately from the point at which the actual interest is paid, thereby realizing the user's interest in operating the account in real time, I can feel it.

In addition, in the above description, when the agent 100 according to the present invention deposits or withdraws, the expected interest calculated by accumulating the reference amount every time the reference time changed according to the deposit or withdrawal is displayed in real time However, the present invention is not limited to this.

Therefore, the real-time interest display unit 187 displays the expected interest in real time based on the reference time before the change is made for a predetermined time from when the deposit or withdrawal occurred, and displays the estimated interest on the basis of the changed reference time The interest can also be displayed in real time.

For example, the real-time interest display unit 187 displays the estimated interest in real time by accumulating the reference amount every time the reference time before the change is made until 0:00 on the next day when the deposit or withdrawal occurs, The estimated interest can be displayed in real time by accumulating the reference amount every time the reference time changed from 0 on the next day elapses.

The real-time interest display unit 187 resets the expected interest through the banking management server 2000 when the expected interest up to the interest payment date is paid to the account, and calculates and displays the expected interest from the interest payment date. That is, since there is an account in which the interest payment date reaches a plurality of times before expiration according to the account type, the real-time interest display unit 187 can calculate the expected interest that is not paid except the interest actually paid on the interest payment date and display it in real time .

In addition, the agent 100 and the banking service management server 2000 according to the present invention not only display the expected interest to be accumulated up to the current time in real time, but also pay the settlement interest to the account even before the interest payment date.

For this, the real-time interest display unit 187 can transmit the expected interest calculated up to the present time when the request for the user is received by the banking service management server 2000 when the settlement request of the user satisfying the predetermined condition is received. The banking service management server 2000 can settle the interest at a desired time point by paying the received expected interest to the account.

In one embodiment, the predetermined condition may be set using at least one of the account maintenance period, the account setting amount, and the customer class. For example, when the period in which the account is maintained up to the present time relative to the period from the establishment date of the account to the expiration date is more than 50%, or the set amount of the account exceeds a certain amount, or the user is a certain grade or more The agent 100 and the banking service management server 2000 can settle the interest and settle the interest according to the request of the corresponding user. However, the present invention is not limited to this, so it can be used as a condition for calculating the interest at a midway using information not described.

In the above-described embodiment, the predetermined condition is set using at least one of the account retention period, the account set amount, and the customer class, but the present invention is not limited to this, and the condition may be set using other information It might be.

The real-time interest display section 187 resets the expected interest and can calculate and display the expected interest from the interest settlement date, even when the expected interest is paid out by the user and paid to the account.

FIG. 8 is a detailed block diagram of the interest management apparatus of the banking transaction processing agent according to another embodiment of the present invention.

8, the interest management apparatus 180 includes a payment interest information obtaining section 183 and a real-time interest display section 187, and may further include a real-time interest calculating section 185 and a stopwatch 189 have. Since the payment interest information obtaining unit 183 can operate in the same manner as described with reference to FIG. 7, a repetitive description thereof will be omitted.

The real-time interest calculating unit 185 calculates the expected interest to be accumulated from the account opening date to the present time. The real-time interest calculation unit 185 can calculate the expected interest by calculating the reference interest to be accumulated for a predetermined time and accumulating the reference interest every time the corresponding time elapses. In one embodiment, the predetermined time may be set to a minimum time measured through the stopwatch 189. [ For example, when the time is measured in units of 0.01 second through the stopwatch 189, the real-time interest calculating unit 185 calculates the reference interest to be accumulated for 0.01 seconds, accumulates the reference interest every 0.01 seconds, can do. Accordingly, the real-time interest calculation unit 185 can calculate the expected interest to be accumulated by operating in synchronization with the stop-watch 189 in real time.

On the other hand, since the deposit balance of the account is large and the interest rate is high, the reference interest is calculated to be larger, so that the higher the deposit balance of the account and the higher the interest rate, the more the money is accumulated for the predetermined time. Accordingly, the real-time interest calculation unit 185 can calculate the expected interest to be accumulated in real time by newly calculating the reference interest by reflecting the deposit or withdrawal occurring in the account.

The real-time interest display section 187 displays the expected interest to be accumulated from the account opening date to the current time in real time. In one embodiment, the real-time interest display 187 may operate in synchronization with the stopwatch 189. According to this embodiment, the real-time interest display unit 187 can display the expected interest corresponding to the elapsed time from the account opening date measured through the stopwatch 189 to the current time in real time. The real-time interest display unit 187 can directly display the expected interest and display it in real time. However, the present invention is not limited to this, and the expected interest calculated through the real-time interest calculation unit 185 may be received and displayed.

The real-time interest display unit 187 can display, in real time, the expected interest calculated by accumulating the changed reference interest from the time when the deposit or withdrawal occurs in the account.

However, since the present invention is not limited to this, the real-time interest display unit 187 displays the expected interest in real time based on the reference interest before the change is made for a predetermined period of time after the deposit or withdrawal occurs, The expected interest can be displayed in real time based on the changed reference interest.

For example, the real-time interest display unit 187 accumulates the reference interest before the change is made until 0:00 on the day following the deposit or withdrawal from the time when the deposit or withdrawal occurs, displays the expected interest in real time, The expected interest can be displayed in real time.

The stopwatch 189 is a structure for accurately measuring time in a precise unit. In one example, the stopwatch 189 may measure the time in units of 0.01 second from the date of opening of the account. The real-time interest display unit 187 can display the expected interest up to the present time in real time by calculating the reference interest to be accumulated in the minimum time unit measured through the stopwatch 189 in synchronization with the stopwatch 189. [

8, the stopwatch 189 is included in the agent 100 according to the present invention, but the present invention is not limited thereto. For example, other configurations may be included in the agent 100 to determine whether a predetermined amount of time has elapsed instead of the stopwatch 189. As another example, when the user terminal 1000 has a configuration capable of determining whether or not a predetermined time has elapsed, the agent 100 synchronizes with the corresponding configuration included in the user terminal 1000 and is measured from the account establishment date It can operate with input of time.

In addition, in the above description, when the agent 100 according to the present invention deposits or withdraws, the expected interest calculated by accumulating the reference amount every time the reference time changed according to the deposit or withdrawal is displayed in real time However, the present invention is not limited to this.

The real-time interest display unit 187 resets the expected interest through the banking management server 2000 when the expected interest up to the interest payment date is paid to the account, and calculates and displays the expected interest from the interest payment date. That is, since there is an account in which the interest payment date reaches a plurality of times before expiration according to the account type, the real-time interest display unit 187 can calculate the expected interest that is not paid except the interest actually paid on the interest payment date and display it in real time .

In addition, the agent 100 and the banking service management server 2000 according to another embodiment of the present invention may also provide the settlement interest before the interest payment date according to a request of a user satisfying a predetermined condition. The detailed contents are the same as those described with reference to FIG. 7, and a repeated description thereof will be omitted.

The banking management server 2000 processes the user's banking request through the agent 100. [ The banking service management server 2000 can manage all the information of the user for using the agent 100.

Hereinafter, a specific configuration of the banking service management server 2000 will be described with reference to FIG.

9, the banking service management server 2000 includes an access information management unit 200, a key management unit 220, an account information management unit 240, a provisional information management unit 260, and a payment interest management unit 280, . ≪ / RTI >

The connection information management unit 200 manages login information for the user's connection to the agent 100. [ The login information may include login means, and the login means may include biometric information such as pattern information to which the keys on the keypad are connected, fingerprint / face / iris, and the like. The connection information management unit 200 can receive and register the login means entered by the user at the time of membership registration from the connection management apparatus 120. [ Accordingly, the connection information management unit 200 can determine whether or not the user can access the agent 100 by comparing the login means input by the user to the connection management apparatus 120 for login, with the registered login means.

The connection information management unit 200 can receive and register the PIN number as the banking authentication means entered by the user at the time of membership registration from the connection management apparatus 120. [ Accordingly, the connection information management unit 200 can determine whether or not to process the banking service requested by the user by comparing the PIN number inputted to the connection management apparatus 120 by the user with the registered PIN number for authentication .

The key management unit 220 generates a token key when the connection information management unit 200 interlocks with the connection management apparatus 120 and the login information is set. The key management unit 220 may transmit the generated token key to the connection management apparatus 120, and may manage the token key by matching the token key.

The key management unit 220 can manage the generated certificate as the agent 100 is executed in the user terminal 1000. [ The certificate may include a public key and a private key. The key management unit 220 can receive and manage the public key from the connection management apparatus 120. [ Accordingly, the agent 100 and the banking management server 2000 can perform the encrypted communication using the generated private key and the public key. The key management unit 220 can manage the public key by matching with the login information, and can manage the public key and the token key by matching the login information.

The account information management unit 240 establishes an account desired by the user in cooperation with the account opening device 160. [ The account information management unit 240 can manage the account information of the opened account. The account information management unit 240 can manage the information input from the user for opening an account. For example, the account information management unit 240 can manage the user's real name verification information, the opened account information, and the like. The real name confirmation information may include identification information of a user who has photographed his / her identification card and information on another user's account. The account information may include an account balance, a subscription period, an interest rate, and the like.

When the agent 100 is terminated, the temporary information management unit 260 stores temporary information that the user inputs to the agent 100 until termination. The temporary information management unit 260 may store temporary information until the end of the agent 100 when the agent 100 is terminated before the progress of membership registration and account opening is completed through interlocking with the agent 100. [ For example, when the agent 100 is newly opened, the agent 100 may be terminated due to a reason such as a user departing from the agent 100 or an error of the agent 100 during opening an account. Inputting again may cause inconvenience to the user. Accordingly, when the agent 100 is terminated before the completion of the process such as opening an account, the temporary information management unit 260 stores the temporary information inputted until the end of the transaction, and thereby, when the agent 100 is executed again, 160 may continue to open an account using the stored temporary information.

The temporary information management unit 260 may store the temporary information inputted by the user from the time the certificate is generated through the connection management apparatus 120 until the end of the agent 100 when the agent 100 ends. For example, the temporary information management unit 260 can store information such as CDD, EDD, and FATCA when the agent 100 is terminated while the user inputs information such as CDD, EDD, and FATCA. Accordingly, the account opening device 160 can guide the user to proceed to the next step using the stored information when the agent 100 is executed again.

The temporary information management unit 260 stores the temporary information after the certificate is generated through the connection management apparatus 120 because the agent 100 and the banking management server 2000 securely transmit the information of the user This is because it is preferable to store temporary information as described above only in a state in which management is possible. That is, as described above, the agent 100 can be matched to the user terminal 1000 as the certificate is generated, and the agent 100 and the banking management server 2000 can perform the encrypted communication. Therefore, the temporary information management unit 260 according to the present invention can secure the information inputted by the user by storing the temporary information only after the certificate is generated.

In addition, by storing the temporary information only after the certificate is generated, the banking management server 2000 according to the present invention can improve the data storage efficiency compared to the case where all the data are stored.

The temporary information management unit 260 may store the temporary information inputted by the user in units of pages displayed to the user in the process of opening an account or the like. For example, the temporary information management unit 260 accumulates temporary information each time the page displayed to the user is passed, and manages the page in which the temporary information is stored in correspondence with the login information of the user, It is possible to simply extract and provide the page to be provided.

The payment interest management unit 280 calculates a payment interest to be paid to the account on the interest payment date based on the account information. As described above, the account information may include an account type, a deposit balance, a subscription period, and an interest rate. The account type can be any one of a courier deposit account, a demand account, and an accumulation deposit account. The subscription period may include information on the period until the expiration of the account and the pre-agreed interest payment date.

As described above, the account can be any one of a riding deposit account, a demanding account, and an accumulation deposit account, and the number of deposits and the interest calculation method can be changed according to the account type.

For example, the deposit deposit account is an account that can receive interest for a certain period of time in exchange for depositing a certain amount of money in the account for a certain period of time. If the account is a deposit deposit account, the payment interest management unit 280 determines the maturity deposit account The interest to be paid to the account at the time point can be calculated as the interest paid.

When the account is a demand-free account, the payment interest management unit 280 reflects the deposit amount or the amount of the withdrawal every time a deposit or withdrawal occurs so that the payment interest can be paid out Can be changed. For example, when the payment is made, the payment interest management unit 280 may increase the interest paid by reflecting the amount of the deposit, and may reduce the interest paid by reflecting the amount of the withdrawal when the withdrawal occurs. The method of calculation of the specific interest rate can be determined according to predetermined conditions.

In addition, the accumulated deposit account is an account that can receive the interest for a predetermined period of time in order to deposit a certain amount of money in a predetermined period during a certain period of time, and the interest rate may be changed at each transfer cycle. The payment interest management unit 280 may change the payment interest by reflecting the deposit amount and the interest rate corresponding to the deposit period at each deposit period of the accumulated deposit account.

Meanwhile, in the above-described embodiment, the agent 100 receives the information on the interest paid by the payment interest management unit 280 of the banking management server 2000, But in another embodiment, the agent 100 can directly calculate the interest paid. In this embodiment, the payment interest information obtaining unit 183 of the agent 100 obtains the account information such as the deposit balance and the interest rate of the account from the banking management server 2000 and calculates the direct payment interest on the basis thereof .

The payment interest management unit 280 may settle the interest before the interest payment date and pay it to the account. For this, the payment interest management unit 280 may receive the settlement request of the user from the agent 100, and determine whether the corresponding user corresponds to a predetermined condition for requesting the settlement. The payment interest management unit 280 can receive the expected interest from the agent 100 if the user satisfies a predetermined condition and can pay the received expected interest to the account as the settlement interest. Thus, by allowing the user who satisfies the predetermined condition to settle the estimated interest accumulated up to the desired time point to acquire the settlement interest in addition to the deposit balance, the present invention can improve the enjoyment of the user in using the account.

Although not shown in FIG. 9, the banking management server 200 may further include a customer information file generating unit (not shown) for generating a customer information file. The customer information file generation unit generates the customer information file of the corresponding user according to the customer information file creation request transmitted from the customer information file creation request unit 140.

Specifically, the customer information file generation unit, when receiving a customer information file generation request including customer information from the customer information file generation requesting apparatus 140, determines whether the user is a user who can open an account based on the customer information. For example, the customer information file generation unit determines whether the age corresponds to an age at which an account can be opened based on the user's name and resident registration number included in the customer information, whether the name matches the resident registration number, It is determined whether the user is a user who can open an account. If the user is a user who can open an account, the user information file can be generated for the user.

In another embodiment, in the case of a user who is difficult to create a customer information file, such as a foreigner or a minor, the customer information file generating unit may generate customer information (for example, an alien registration number, Information on whether or not the user agrees with each other, or the resident registration number of the guardian, etc.).

Hereinafter, a method of operating the banking processing agent according to an embodiment of the present invention will be described in detail. The method of operating an agent according to an embodiment of the present invention may be implemented by a banking processing system configured by the banking processing agent and the banking management server described above.

10 is a flowchart schematically illustrating an implementation process of an agent operating method according to an embodiment of the present invention.

10, when the agent 100 is executed (S10), the agent 100 requests the user terminal 1000 to generate a certificate for confirming the history of the execution of the agent 100, The public key of the certificate generated by the terminal 1000 is received (S20).

At this time, the certificate generated by the user terminal 1000 includes a private key and a public key, the private key is stored in the database 500 of the user terminal 1000, the public key is transmitted to the banking management server 2000, / RTI >

Next, the agent 100 sets the login information for the user to access the agent 100 in cooperation with the banking management server 2000. [

Specifically, the agent 100 can set the login means including at least one of the pattern information to which the keys on the keypad of the user terminal 1000 are connected and the biometric information such as the fingerprint or the iris (S30).

In addition, the agent 100 can set a PIN number that the user uses as an authentication means for processing the banking work through the agent 100 (S40).

When the setting of the login information is completed through the above steps S30 and S40, the banking management server 2000 generates a token key for confirming whether the login information is set up (S50) The token key is transmitted to the user terminal 1000 by receiving the token key generated by the task management server 2000 and transmitting the token key to the hardware secure area of the user terminal 1000, As shown in FIG.

Next, the agent 100 opens an account at the request of the user in cooperation with the banking management server 2000 (S60).

As described above, in the embodiment of the present invention, the agent 100 manages the to-be-executed history and the token key for confirming whether or not the login information is set, .

Hereinafter, an implementation method of an agent operating method according to an embodiment of the present invention for displaying a page suitable for a user based on whether a certificate and a token key are confirmed will be described with reference to FIG.

As shown in FIG. 11, when the agent 100 is executed (S110), the agent 100 searches the database 500 of the installed user terminal 1000 (S120).

Next, the certificate is confirmed in the database 500 (S130), and when the token key is confirmed (S140), the login page is displayed (S150). That is, as described above, when the login information is set through the interworking of the agent 100 and the banking management server 2000, the banking management server 2000 generates the token key, so that when the certificate and the token key are confirmed The agent 100 displays a login page so that the agent 100 can log in using the login information set by the user.

On the other hand, if the token key is not detected in step S140, since the user has no history of setting the login information, the agent 100 can display the start page and the member registration page (S160) have.

If the certificate is not detected in step S130, the agent 100 does not have a history in which the agent 100 has been executed in the corresponding user terminal 1000. Therefore, the agent 100 requests the user terminal 1000 to generate a certificate, (S20 in Fig. 10). Next, the agent 100 proceeds to step S30 and subsequent steps to set login information and open an account in response to a user's request.

As described above, according to the embodiment of the present invention, a user who uses the agent 100 automatically displays a page suitable for the step of moving the agent 100 according to the confirmation of the certificate and the token key, Can be improved.

Hereinafter, an implementation method of an agent operating method according to an embodiment of the present invention for allowing a user who has set login information to easily use an agent will be described with reference to FIG.

12, if the certificate is not found as a result of searching the database 500 according to the execution of the agent 100, the agent 100 requests the user terminal 1000 to generate a certificate, (S20). That is, if the certificate is not confirmed in the database 500, the agent 100 does not have a history in which the agent 100 has been executed. Therefore, the agent 100 requests to generate a new certificate.

Next, the agent 100 proceeds with authentication of the user for membership of the corresponding user (S210). As an example, the agent 100 may receive information for authentication of the user through the provision of the start page, and may authenticate the user based on the received authentication information. For example, the agent 100 can authenticate the user using the mobile phone number.

Next, if the agent 100 determines that there is a history of setting the login information to the user based on the result of the authentication of the user (S220), the agent 100 confirms the real name of the user (S230) And determines whether the login information is identical (S240). In step S230, the agent 100 receives the ID from the user and confirms the real name of the corresponding user, but the present invention is not limited thereto.

If the login information input by the user in step S240 matches the login information set in steps S20 and S30, the agent 100 receives the token key from the banking management server 2000 (S250) (1000) so that the token key is stored in the database (500). At this time, the agent 100 can receive the newly generated token key by the banking management server 2000, but the present invention is not limited to this, and it is also possible to receive the previously used token key. That is, since the banking management server 2000 manages the login information by matching the received public key and the token key, it can extract the token key matched with the login information input from the user and provide the extracted token to the login unit 124 .

On the other hand, if the login information input by the user does not match the set login information in step S240, the agent 100 determines that the user is not a legitimate user who has set the login information, The use of the three-party agent 100 can be prevented.

As described above, in the embodiment of the present invention, when the user confirms whether there is a history of setting the login information in the agent 100 in the authentication process, when the reinstallation of the agent 100 or the change of the device of the user terminal 1000 occurs The user can easily use the agent 100 through the simplified authentication process. In addition, by adding the real name verification process using the ID to the login information, the third party who has taken the login information of the legitimate user can block the login of the agent of the other user terminal, thereby improving the security performance.

It will be understood by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: agent 120: connection management apparatus
124: login unit 126: certificate verification unit
128: Token key verification unit 140: Client information file creation request device
160: an account opening device 161:
163: Account information setting unit 165:
180: interest management device 183: payment interest information obtaining section
185: Real-time interest computing unit 186: Reference time computing unit
187: Real-time interest display section 189: Stopwatch
200: connection information management unit 220: key management unit
240: Account information management unit 260: Temporary information management unit
280: payment interest management unit 500: database
1000: user terminal 2000: banking management server

Claims (22)

And a connection management device for establishing login information for connecting to the agent program in cooperation with the banking management server,
The connection management apparatus includes:
A certificate checking unit for checking existence of a certificate for checking history of the agent program by searching the database of the user terminal installed with the agent program when the agent program is executed;
A token key verifying unit for verifying the existence of a token key for confirming whether or not the user's login information is set when the existence of the certificate is confirmed from the database; And
And a login unit for automatically displaying a page to be displayed according to whether the certificate or the token key is present,
The log-in unit requests the user terminal to generate a new certificate and stores the new certificate in the database if the existence of the certificate is not confirmed,
The certificate confirmation unit confirms the existence of the new certificate stored in the database,
The log-in unit displays a login page when the presence of the token key is confirmed. If the presence of the token key is not confirmed, the log-in unit additionally checks the member-joining history. If the member-joining history is not confirmed, When the subscription history is confirmed, it is determined that the apparatus is changed or the agent program is reinstalled, and the apparatus change page is displayed.
Wherein the token key is issued from the banking management server when the login information is set and stored in the database of the user terminal and is newly issued according to a predetermined standard when the device change or the agent program reinstallation state is established. Business Agent Program. The method according to claim 1,
Wherein the predetermined criterion identifies at least one of log-in information setting history information, personal authentication information, and login information. The method according to claim 1,
Wherein the login unit displays a membership registration page when the existence of the certificate is not confirmed. The method according to claim 1,
Wherein the database is a hardware security area of the user terminal,
Wherein the certificate includes a private key and a public key set to match with each other and the private key is stored in the database using an application programming interface (API) provided by an OS (Operating System) of the user terminal, Is stored in the banking service management server. 5. The method of claim 4,
The connection management apparatus includes:
Wherein when the agent program is executed, it is checked whether the private key is present in the database, and if the presence of the private key is confirmed, the electronic signature value obtained by digitally signing the identification data received from the banking management server with the private key, To the management server so as to identify the private key using the digital signature value. The method according to claim 1,
Wherein the log-in unit requests the user terminal to generate a certificate for checking the history of the execution of the agent program if the existence of the certificate is not confirmed from the user terminal, and transmits the generated certificate to the banking management server, When the login information is set, receives a token key for confirming whether or not the login information is set from the banking management server, and transmits the token key to the user terminal,
Wherein the token key is stored in the banking management server in a match with the login information. The method according to claim 1,
The token key verification unit,
When the agent program is executed, the user terminal checks whether a token key is present. If the presence of the token key is confirmed, the token key is transmitted to the banking management server to check whether the token key matches the set login information A banking agent agent program stored on a medium of. The method according to claim 1,
Wherein the login information includes login means including at least one of pattern information and biometric information to which keys on the keypad of the user terminal are connected,
Wherein the login unit receives the token key generated by the banking management server when the login means is set. 9. The method of claim 8,
Wherein the login information further includes a PIN number as authentication means for banking processing,
Wherein the login unit receives the token key from the banking management server when the login means and the PIN number are set. The method according to claim 1,
Further comprising an account opening device for opening an account by receiving information necessary for opening an account from a user who has completed membership registration,
The account opening device permits account opening for a user whose real name has been confirmed but confirms the real name of the user by using at least one of the photographing information of the user's ID card and the other account information subscribed by the user A banking agent agent program stored on a featured medium. 11. The method of claim 10,
Further comprising a interest management device for managing the interest of the opened account,
The interest management apparatus displays in real time the expected interest to be accumulated corresponding to the elapsed time from the account opening date to the present time point based on the interest payment to be paid to the account on the predetermined interest payment date based on the remaining deposit and the interest rate of the account Wherein the banking processing agent program stored in the medium is characterized in that the banking processing agent program is stored in a medium. 1. A bank transaction processing system via an agent program installed in a user terminal,
An agent program for setting login information of a user and displaying a page for using the agent program to the user; And
And a banking management server for establishing the login information in cooperation with the agent program, generating a token key when the login information is set, and transmitting the generated token key to the agent program,
Wherein the agent program includes a certificate verification unit for checking existence of a certificate for checking the history of the agent program when the agent program is executed by searching the database of the user terminal installed with the agent program, A token key confirmation unit for confirming existence of a token key for confirming whether or not the user's login information is set when the presence of the token key is confirmed, and a login unit for automatically displaying a page to be displayed according to whether the certificate or the token key is present and,
The log-in unit displays a login page when the presence of the token key is confirmed. If the presence of the token key is not confirmed, the log-in unit additionally checks the member-joining history. If the member-joining history is not confirmed, When the subscription history is confirmed, it is determined that the apparatus is changed or the agent program is reinstalled, and the apparatus change page is displayed.
Wherein the token key is issued from the banking service management server when the login information is set and stored in the database of the user terminal and newly issued according to a predetermined standard when the device change or the agent program reinstallation state is established. system. 13. The method of claim 12,
Wherein the predetermined criterion identifies at least one of log-in information setting history information, personal authentication information, and login information. delete 13. The method of claim 12,
Wherein the certificate includes a private key and a public key set to match each other, the private key is stored in the database, the public key is stored in the banking management server,
Wherein the token key is matched to the login information and stored in the database. 16. The method of claim 15,
Wherein the agent program transfers an electronic signature value obtained by digitally signing the identification data received from the banking management server to the banking management server with the verified private key when the existence of the private key is confirmed from the database, And if the presence of the token key is confirmed from the database, transmits the token key to the banking management server to check whether the token key matches the set login information. . A method of operating an agent program installed in a user terminal,
When the agent program is executed, searching the database of the user terminal and confirming existence of a certificate for confirming the history of the execution of the agent program;
Confirming existence of a token key for checking whether the login information of the user is set by searching the database if the existence of the certificate is confirmed from the database; And
And a page display step of automatically displaying a page to be displayed according to whether or not the token key is present,
Wherein the step of verifying the existence of the certificate includes the steps of: requesting the user terminal to generate a new certificate and storing the new certificate in the database if the existence of the certificate is not confirmed; Wherein the page display step displays a login page when the presence of the token key is confirmed, and additionally confirms the membership registration history if the presence of the token key is not confirmed, And if the member registration history is confirmed, it is determined that the apparatus is changed or the agent program is reinstalled, and the apparatus change page is displayed,
Wherein the token key is issued from the banking management server when the login information is set and stored in the database of the user terminal and newly issued according to a predetermined standard when the device change or the agent program reinstallation state is established. How to program. 18. The method of claim 17,
Wherein the predetermined criterion identifies at least one of log-in information setting history information, personal authentication information, and login information. 18. The method of claim 17,
Wherein the certificate includes a private key and a public key set to match with each other, wherein the private key is stored in the database, and the public key is stored in the banking management server . 18. The method of claim 17,
After the step of storing in the database,
Setting login information for accessing the agent program; And
And generating a token key for confirming whether the login information is set if the login information is set. 21. The method of claim 20,
Wherein the login information includes login means including at least one of pattern information and biometric information to which keys on the keypad of the user terminal are connected,
Wherein the step of generating the token key generates the token key if the login means is set. 22. The method of claim 21,
Wherein the login information further includes a PIN number as authentication means for banking processing,
Wherein the step of generating the token key generates the token key if the login means and the PIN number are set.

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