KR20000072453A - Businiss method for providing financial agency service using e-mail and cyber-account and computer readable medium having stored thereon computer executable instruction for performing the method - Google Patents

Abstract

PURPOSE: A method for financial agency service using internet and cyber accounts is provided to resolve spacial restrictions through financial transactions by enabling the operator to create cyber money in the cyber account and allow a service user to request financial transactions through e-mail. CONSTITUTION: A method for financial agency service using internet and cyber accounts is composed of connection, approval, and cooperation. A service user(30) and a transaction client(40) can connect to the service operator's(10) main server(60) through the internet(20). The connection method to access the service comprises of e-mail, PCs workstations, portable internet communication devices, and other e-mail support devices. The user can use any devices that supports the e-mail functions. The service operator receives cooperation approval from the related financial institutions(50) prior to the service initiation and must be able to share the database. The service operator's main server is composed of a financial information DB(70) and a service user information DB(80) that connect to the affiliated financial institute.

Description

BUSINISS METHOD FOR PROVIDING FINANCIAL AGENCY SERVICE USING E-MAIL AND CYBER-ACCOUNT AND COMPUTER READABLE MEDIUM HAVING STORED THEREON COMPUTER EXECUTABLE INSTRUCTION FOR PERFORMING THE METHOD}

The present invention relates to a computer-readable recording medium containing a method for operating a financial agency service using an e-mail and a cyber account, and a program capable of implementing the same. More specifically, when a financial service is applied to a business operator using an e-mail, The present invention relates to a financial agency service business method using an e-mail and a cyber account, which allows a business to make financial transactions regardless of time and place by providing cyber money by generating cyber money in a user's cyber account.

Up to now, banking services such as remittances, settlements and loans are carried out by banking accounts between individuals or businesses. In addition, banks provide telebanking services over the phone and PC banking services over the Internet. However, in all of these cases, it is necessary to know one's own account and the other's account because it is a connection between accounts, and there are many limitations in time or space because financial transactions are made by contacting the accounts.

In addition, in case of payment or remittance through credit card, it can be realized only by using a card-using medium, that is, ATM and card inquiry machine, and even if using mobile communication network, it can be realized only in the state of basic card and card inquiry machine. There is this. In addition, remittance using a credit card eventually has to know the bank account, and can be inadvertently damaged to credit card companies and individuals by misuse other people when lost.

In addition, the merchants cannot obtain any other profits on the value acquired by the transaction, and after a certain time passes by any means (post-payment), they bear the opportunity cost.

In recent years, services that are implemented in an online or offline environment using electronic money have been implemented. In this case, virtual money using microchips can be replaced with various types of money, but electronic money only used online is, of course, in space. Even if there is a problem and can be used offline, the same problem as described above is present due to the use of a card to which a chip is basically attached.

The present invention has been conceived to solve such a conventional problem, the operator generates a cyber money in the cyber account to provide a financial transaction with the generated cyber money, the service user to the financial transaction by applying for the financial transaction by email It aims to provide a financial agency service business method using e-mail and cyber accounts to solve the time and space constraints.

1 is a network diagram of a financial agency service using an e-mail and a cyber account according to the present invention.

2 is a system configuration diagram of a financial agency service provider using an e-mail and a cyber account according to the present invention.

3 is a flow chart of money when using a remittance service to an individual who has opened a cyber account according to the present invention.

4 is a flowchart illustrating a remittance procedure to an individual who opens a cyber account according to an embodiment of the present invention.

5 is a flowchart illustrating a remittance procedure to an individual without a cyber account according to an embodiment of the present invention.

6 is a loan procedure from an affiliated financial institution according to an embodiment of the present invention.

7 is a diagram illustrating a web page of a financial transaction application form according to an embodiment of the present invention.

8 is a front view illustrating a financial transaction application input step in a mobile communication device including an email function according to an embodiment of the present invention.

9 is a structural diagram of a cyber financial transaction menu of a mobile communication device including an email function according to an embodiment of the present invention.

10 is a flowchart illustrating a cyber financial transaction application using a wireless communication device according to an embodiment of the present invention.

11 is a peripheral view of a financial database according to an embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

10 ... Service Providers 20 ... Internet

30.Service User 40 ... Targetee

50 Affiliate Financial Institution 60 Operator Main Server

70 ... financial information database 80 ... service user information database

Financial agency service business method using e-mail and cyber account to achieve the above object, (a) the service provider shares the financial database with the relevant financial institutions, and the financial information of the service user is established as a database linked to the web server Doing; (b) the operator creating a cyber account of the user and receiving a financial service request from the user through e-mail; (c) the operator analyzes the contents of the requested service and confirms the user's transaction limit with an affiliated financial institution, and deposits cyber money in the user's cyber account based on the user's requested data from the financial institution. Receiving approval to create; (d) the service provider generating the cyber money in the cyber account of the user within the transactionable limit confirmed by the financial institution to perform the financial service requested by the user; And (e) the operator notifying the user or the financial service transaction subject of the result of the financial service.

At this time, the cyber account generation of the (b) step of the business method according to the invention, (b1) after the user connects to the server of the operator via the Internet, downloading the electronic certificate; (b2) the user inputting personal information necessary for a financial transaction in the electronic certificate and transmitting the personal information to the operator; (b3) checking, by the operator, the transmitted data and requesting credit and financial information of the user from a related financial institution; And (b4) the operator checking the credit and financial information and if there is no abnormality, generating a cyber account of the user.

In addition, the personal information required for the financial transaction is preferably composed of one or more of an e-mail address, financial service access password, financial transaction password, financial institution account number and the like used by the user.

Meanwhile, the email of step (b) may be transmitted using any one selected from a personal computer connected to a web network, a workstation, a personal mobile communication device including an email function, and a similar device capable of sending an email.

In addition, the financial service of step (b) may be any one selected from among the remittance and settlement of the transaction target having the established cyber account, the remittance and settlement of the transaction without the cyber account, and the loan from the affiliated financial institution. Characterized in proceeding with one.

And, the relevant financial institution of step (c) is preferably any one or more selected from the user's bank, credit card company, credit information company, financial settlement agency, insurance company and the like.

Meanwhile, among the financial services requested in the step (b), the financial service in the step (d) for the request for remittance to a transaction subject having an established cyber account is placed in the cyber account of the user who requested the service. Characterized in that the cyber money is transferred to the cyber account of the transaction target by the amount requested by the user.

Further, among the financial services requested in the step (b), the financial service in the step (d) for the transfer request to the transaction target without a cyber account, (d1) the operator is a transaction target without the cyber account Creating a temporary cyber account of the transaction subject based on the email address of the transaction; (d2) generating, by the operator, different passwords that are merged according to a predetermined rule to notify the user and the transaction target person; (d3) the user transferring the password notified to the user to the transaction subject; (d4) combining the password received from the business operator with the password transmitted from the user and transmitting the password to the business operator; And (d5) the operator checking whether the transmitted password is combined according to a predetermined rule, and if there is no abnormality, transferring cyber money from the user's cyber account to the temporary cyber account of the transaction target person by the amount requested by the user. It is characterized by further including;

Here, the transaction target person may be any one selected from an individual, a corporation, and a credit card merchant, and it is obvious that a remittance to a corporation or a credit card merchant, which is not an individual, is eventually settled on a financial transaction.

In addition, among the financial services of step (d), the loan method from the affiliated financial institution, the operator checks the loan limit of the user from the affiliated financial institution, and the amount requested by the user within the confirmed loan limit amount The cyber account of the user is generated by cyber money.

On the other hand, the result notification of the financial service of step (e) may be notified to any one or more selected from a personal phone, a workstation, and an e-mail personal device connected to the offline phone, fax, web network and e-mail function .

In addition, the service provider preferably cooperates with each financial institution in advance in order to use the financial database of the financial institution.

In addition, when the operator cooperates with an insurance company to create a cyber account of the user, the operator automatically subscribes the insurance to guarantee the principal of the user.

On the other hand, when the user wants to cash the cyber money generated in the cyber account, the operator can cooperate with the affiliated financial institution to generate cash in the actual account of the user.

In addition, the operator may obtain profits by any one or more methods selected from a brokerage fee imposed during the service process, interest income incurred during cyber money storage, and income through cooperation with a financial institution.

In addition, the object of the present invention can be achieved by a computer-readable recording medium recording medium containing a program for performing the financial agency service business using the e-mail and cyber accounts.

Hereinafter, the present invention will be described in detail with reference to examples, and detailed description will be made with reference to the accompanying drawings to help understand the present invention. However, embodiments according to the present invention can be modified in many different forms, and the scope of the present invention should not be construed as being limited to the embodiments described below. Embodiments of the present invention are provided to more completely explain the present invention to those skilled in the art.

1 is a network diagram of a financial agency service using an e-mail and a cyber account according to the present invention.

As shown in FIG. 1, the service user 30 and the transaction target 40 may access the main server 60 of the service provider 10 through the Internet 20, and access for using the service. The means may be used in accordance with the spirit of the present invention e-mail, it is possible to use a personal computer, a workstation, and a personal portable communication device including an e-mail function connected to the web network capable of sending the e-mail. However, the present invention is not limited to the above-mentioned devices, and any device capable of sending an e-mail developed due to the development of communication technology can receive the service according to the present invention.

In addition, the service provider should be affiliated with the relevant financial institution 50 in advance for the business, and should be able to share the financial database of each affiliated financial institution. On the other hand, the main server 60 of the service provider is composed of a financial information database 70 and a service user information database 80 shared with the affiliated financial institution 50.

Here, it is apparent that each of the service provider 10, the affiliated financial institution 50, the service user 30, and the transaction target person 40 can contact each other offline.

2 is a system configuration diagram of a financial agency service provider using an e-mail and a cyber account according to the present invention.

As shown in FIG. 2, a service user 30 first accesses the financial service provider 10 to input an access ID and a password, and the electronic authentication and password management module 11 inputs the input. A connection ID and a connection password are compared with the service user information database in the main server of the provider. If it is determined that the comparison result is an unauthenticated user, the result is transmitted to the processing management module 17 which is a receiving unit. On the other hand, if the comparison is an authenticated user, the email request analysis module 12 analyzes the contents of the financial service requested by the user.

Based on the analysis, the transaction history management module 13 refers to the transaction history of the user from the financial database 70 associated with the affiliated financial institution 50. In this case, when it is determined that the balance in the account of the user 30 is less than the amount requested by the user 30 or the financial service requested by the user 30 is impossible as a result of referencing from the database 70, the determination is made. The result is sent to the processing management module 17 which is the receiving unit and notified to the service user 30.

If it is determined that the financial service requested by the user 30 is possible, the cyber account management module 14 generates a cyber money in the cyber account of the user or transfers the cyber money to the cyber account of the other user 30. In this case, if it is determined that the credit status of the user cannot proceed with the service in connection with the credit rating management module 16, the cyber account management module 14 does not proceed with the service any more, and the reception denial processing module The information is sent to (17) to notify the service user.

When the financial service requested by the user 30 in the cyber account management module 14 is normally completed, the response analysis management module 15 transmits the result to the user 30 or the transaction target person 40. In this case, the method of transmitting the result may be notified to any one or more selected from among a telephone, a fax, a personal computer connected to a web network, a workstation, and a personal mobile communication device including an e-mail function as described above. .

3 is a flow chart of money when using a remittance service to an individual who has opened a cyber account according to the present invention.

As shown in FIG. 3, when the service user 30 and the transaction target person 40 register with the service provider 10 to use the service, the service provider 10 and the user 30 and The cyber subjects 31 and 41 are opened to the transaction target person 40, and an ID and a transaction password are given. When the remittance service is in progress, cyber money is generated as much as the amount of money to be remitted to the cyber account 31 of the user 30, and the cyber money is transferred to the transaction target person 40 and the transaction target person ( 40 is created in the cyber account 41. Here, since the cyber money generated and transferred is performed after approval of the financial institution with which the financial institution is affiliated, the cyber money can be cashed at the same time as the withdrawal service of the financial institution starts. The affiliated financial institution 50 transfers cash from the financial account 32 of the service user 30 to the financial account 18 of the service provider 10 based on the approved data at the same time as the service is started. When the cash withdrawal request of the trading partner 40 is requested, the cash is transferred 92 from the financial account 18 of the business operator 10 to the financial account 42 of the trading partner 40.

As can be seen from the above, since financial services are carried out by cyber money of cyber account, financial transactions can be made in addition to the working hours of affiliated financial institutions, and various financial services are possible without cash or credit card because it is not an actual account. Do.

4 is a flowchart illustrating a remittance procedure to an individual who opens a cyber account according to an embodiment of the present invention.

As shown in FIG. 4, first, the user 30 accesses a main server 60 of an operator to receive a money transfer service to a transaction target person 40 who has opened the cyber account, and displays a personal information in a service application. Input information about the transmission (S100). The operator 10 confirms the application and stores the personally identifiable information in the service user information database 80. In addition, when the operator 10 transmits the electronic certificate and the personal financial information input document to the user 30 (S101), the user 30 inputs personal financial information in a predetermined form and transmits it to the operator ( S102). Here, the personal financial information may include one or more of the user's transaction bank account number, transaction bank password, credit card account number, credit card password, personal ID to be used, access password, and transaction password. The operator 10 transmits the transmitted personal financial information to the associated affiliated financial institution 50 and requests credit information and financial information of the user 30 (S103). The financial institution 50 searches for the credit information of the user 30 based on the transmitted personal financial information, and transmits the result to the operator 10 (S104). When it is confirmed that the data sent from the financial institution 50 is abnormal, the operator 10 stores the financial information of the user 30 in the financial information database 70 of the operator 10 and the user. A cyber account of 30 is opened and the result is notified to the user (S105).

When the user 30 wishes to transfer money to an individual who has opened a cyber account, the user 30 requests a money transfer service from the operator 10 using an e-mail (S106). In this case, the e-mail may use any one selected from a personal computer connected to a web network, a workstation, and a personal mobile communication device including an e-mail function. The operator 10 checks the requested service application, and requests the transaction financial institution 50 whether the user 30 can make a transaction (S107). The financial institution 50 confirms the balance of the financial account of the user 30 and whether or not the transaction is possible and notifies the user 30 (S108). When it is determined that the operator 10 can trade by the data notified from the affiliated financial institution 50, the service provider 10 refers to the service request data requested by the user 30, and cyber-enters the cyber account of the user 30. In order to generate the money, the affiliated financial institution 50 is requested (S109) based on the application data of the user 30. The affiliated financial institution 50 keeps the application data presented by the operator 10 and authorizes the creation of cyber money in the cyber account of the user 30 (S110). The operator 10 is notified of the approval of the creation of the cyber money from the affiliated financial institution and generates cyber money in the cyber account of the user 30 stored in the financial information database 70 of the operator 10 ( S111). The operator 10 transfers the generated cyber money to the cyber account of the transaction target person 40 to open the cyber account to be transferred (S112). At this time, since the transfer process is a process performed in the financial information database 70 managed by the operator 10, there is no movement of real money. The operator 10 notifies the user 30 and the transaction target person 40 of the result that the financial transaction proceeded without abnormalities (S113 and S114).

When the transaction target person 40 needs cash withdrawal, when the cash payment request is made to the affiliated financial institution 50 (S115), the affiliated financial institution 50 sends the operator 10 to the transaction target person 40. Notify that the cyber money in the cyber account to be settled (S116), and the cash amount of the payment amount to the transaction target person 40 (S118). The operator 10 pays the cyber money in the cyber account of the transaction target person 40 based on the data received from the affiliated financial institution 50 (S117).

5 is a flowchart illustrating a remittance procedure to an individual without a cyber account according to an embodiment of the present invention.

As shown in FIG. 5, first, the user 30 connects to the main server 60 of the operator to receive money transfer service to the transaction target person 40 without the cyber account, and relate to personal information in the service application. Input the information and transmit (S200). The operator 10 confirms the application and stores the personally identifiable information in the service user information database 80. In addition, when the operator 10 transmits the electronic certificate and the personal financial information input document to the user 30 (S201), the user 30 inputs personal financial information in a predetermined form and transmits it to the operator ( S202). Here, the personal financial information may include the user's transaction bank account number, transaction bank password, credit card account number, credit card password, personal ID to be used, access password, transaction password and the like. The operator 10 transmits the transmitted personal financial information to the relevant financial institution 50 to request credit information and financial information of the user 30 (S203). The affiliated financial institution 50 searches for the credit information of the user 30 based on the transmitted personal financial information, and transmits the result to the operator 10 (S204). When it is confirmed that the data sent from the affiliated financial institution 50 is abnormal, the operator 10 stores the financial information of the user 30 in the financial information database 70 of the operator 10 and the A cyber account of the user 30 is opened and the result is notified to the user (S205).

When the user 30 wants to transfer money to the transaction target person who opened the cyber account to the user and the transaction target person, the user 30 requests a money transfer service to the operator 10 using an email (S206). do. In this case, the e-mail may use any one selected from a personal computer connected to a web network, a workstation, and a personal mobile communication device including an e-mail function. The operator 10 checks the requested service application, and asks the affiliated financial institution 50 whether the transaction of the user 30 is possible (S207). The affiliated financial institution 50 confirms the balance of the financial account of the user 30 and whether or not it is possible to trade and notifies the user 30 (S208). When it is determined that the operator 10 can trade by the data notified from the affiliated financial institution 50, the service provider 10 refers to the service request data requested by the user 30, and cyber-enters the cyber account of the user 30. In order to generate money, the affiliated financial institution 50 is requested (S209) based on the application data of the user 30. The affiliated financial institution 50 keeps the application data presented by the operator 10 and authorizes the creation of cyber money in the cyber account of the user 30 (S210). The operator 10 is notified of the approval of the creation of the cyber money from the financial institution and generates a cyber money in the cyber account of the user 30 stored in the financial information database 70 of the operator 10 (S211). ) In addition, the operator 10 generates a temporary cyber account of the transaction target person 40 to provide a cyber financial service to the transaction target person 40 without the cyber account (S212). The operator 10 generates different passwords that are merged according to a predetermined rule to confirm the identity of a financial transaction with the target person 40 who does not have the cyber account, and notifies the user 30 and the target person 40. (S213, S214). The user 30 notifies the transaction target person 40 of the password that he / she received from the business operator 10 to the transaction target person 40. The transaction target person 40 transmits the password notified to the user from the operator 10 and the password notified from the user 30 to the operator 10 (S216). The operator 10 checks whether the password transmitted from the transaction target person is combined according to a predetermined rule (S217), and if there is no error, the operator 10 is already generated in the cyber account of the user 30 by the requested amount of the user 30. The existing cyber money is transferred from the cyber account of the user 30 to the temporary cyber account of the transaction target person (S218).

At this time, since the transfer process is a process performed in the financial information database 70 managed by the operator 10, there is no movement of real money. The operator 10 notifies the user 30 and the transaction target person 40 of the result that the financial transaction proceeded without abnormalities (S219 and S220).

When the transaction target person 40 needs cash withdrawal, when the cash payment request is made to the affiliated financial institution 50 (S221), the affiliated financial institution 50 asks the operator 10 of the transaction target person 40. Notify the payment of the cyber money in the temporary cyber account (S222), and the cash equivalent to the payment amount is paid to the transaction target person (40) (S224). The operator 10 pays the cyber money in the cyber account of the transaction target person 40 based on the data notified from the affiliated financial institution 50 (S117), and sets the temporary cyber account of the transaction target person 40. Erase (S223).

6 is a loan procedure from an affiliated financial institution according to an embodiment of the present invention.

As shown in FIG. 6, first, the user 30 opens the cyber account and accesses the main server 60 of the operator in order to receive a loan service from the affiliated financial institution 50 so as to apply for a service application. Input and transmit the information about the image (S300). The operator 10 confirms the application and stores the personally identifiable information in the service user information database 80. In addition, when the operator 10 transmits the electronic certificate and personal financial information input document to the user 30 (S301), the user 30 inputs personal financial information in a predetermined form and transmits it to the operator ( S302). Here, the personal financial information may include the user's transaction bank account number, transaction bank password, credit card account number, credit card password, personal ID to be used, access password, transaction password and the like. The operator 10 transmits the transmitted personal financial information to the affiliated financial institution 50 to request credit information and financial information of the user 30 (S303). The affiliated financial institution 50 searches for credit information of the user 30 based on the transmitted personal financial information, and transmits the result to the operator 10 (S304). When it is confirmed that the data sent from the affiliated financial institution 50 is abnormal, the operator 10 stores the financial information of the user 30 in the financial information database 70 of the operator 10 and the A cyber account of the user 30 is opened and the result is notified to the user (S305).

The user 30 inquires whether a loan service is available to the operator 10 (S306). The operator 10 requests the affiliated financial institution 50 whether or not the user 30 can be loaned according to the request for inquiry of the user 30 (S307). The affiliated financial institution 50 notifies whether or not the user 30 is available for loan and the amount of the borrowable limit according to the request of the operator 10 (S308). The operator 10 transmits the result of the notification of the affiliated financial institution 50 to the user 30 (S309). The user 30 requests a lending service to the operator 10 by the amount within the loanable limit with reference to the transmitted result (S310). The affiliated financial institution 50 based on the application data of the user 30 to generate the cyber money in the cyber account of the user 30 by the amount of money requested by the user 30. Request (S31). The financial institution 50 keeps the application data presented by the operator 10 and authorizes the creation of cyber money in the cyber account of the user 30 (S312). The operator 10 is notified of the approval of the creation of the cyber money from the financial institution, and generates cyber money in the cyber account of the user 30 stored in the financial information database 70 of the operator 10 (S313). )

At this time, since the loan process is a process performed in the financial information database 70 managed by the operator 10, there is no actual currency movement. The operator 10 notifies the user 30 of the result that the financial transaction proceeded without error (S314).

When the user 30 wishes to withdraw the cyber money generated due to the loan service in cash, when the user requests a cash payment to the affiliated financial institution 50 (S315), the affiliated financial institution 50 is connected to the operator ( 10) notifies the user to pay the cyber money in the cyber account of the user 30 (S316), and pays the cash equivalent to the payment amount to the user 30 (S318). The operator 10 pays the cyber money in the cyber account of the user 30 based on the data received from the affiliated financial institution 50 (S317).

7 is a diagram illustrating a web page of a financial transaction application form according to an embodiment of the present invention.

As shown in FIG. 7, when the user 30 wishes to receive services such as remittance, payment, and loan to the operator 10, the user 30 prepares a financial transaction application 400 through an e-mail enabled terminal. do. The content that the user 30 fills out in the application and transmits to the operator 10 may include a transaction target ID 401, a transaction type 402, a transaction amount 403, and a transaction password 404. In addition, it is obvious that additional requirements for financial transactions may be added. The transaction subject ID 401 is received from the operator 10 when the user 30 creates the first cyber account. The transaction type 402 is the content of the financial service to be provided by the user 30, and the remittance and settlement of the transaction subject having the established cyber account, the remittance and settlement of the transaction subject without the cyber account. And a menu from which you can choose from loans from affiliated financial institutions. The transaction amount 403 may be prepared within the transactionable amount received by the provider 10 from the affiliated financial institution 50. When all of the input data is input, the user 30 completes the preparation (405) and transmits the application 400 to the operator 10.

8 is a front view illustrating a financial transaction application input step in a mobile communication device including an email function according to an embodiment of the present invention.

As illustrated in FIG. 8, the mobile communication device 500 includes an e-mail sending and sending function 501 and may be used when the financial service is requested and the result is notified. Unlike the case shown in FIG. 7 when the user applies for the financial service of the user 30, the mobile communication device 500 may easily transmit the prepared data of the financial application 400 by item so that the mobile communication device 400 may be transmitted. In the same manner as the menu window 502 shown in the drawing.

9 is a structural diagram of a cyber financial transaction menu of a mobile communication device including an email function according to an embodiment of the present invention.

As shown in FIG. 9, the user 30 first selects the Internet connection menu 601 of the menu 600 of the mobile communication device 400 to send an e-mail to the service provider 10. . The menu that can be selected according to the Internet connection of the mobile communication device 400 includes e-mail 602, calendar 603, memo 604, stock quote 605, today's fortune 606, and notification yard ( 607) and the like. The user 30 must select an e-mail 602 menu to select a cyber financial transaction. When the user 30 selects the e-mail menu, a member registration guide screen 608 is displayed if the user 30 is not registered as a member who can send an e-mail. In addition, if the user 30 is already subscribed as the member, as shown in the mail view (609), send mail (610), text mail listening (611), voice mail sending (612, fax mail settings 613) , A menu such as an address book 614, and a cyber financial transaction 615. When the user 30 selects a menu of the cyber financial transaction 615, the access password 616 set when applying for the cyber financial transaction service is displayed. You will be prompted to enter).

10 is a flowchart illustrating a cyber financial transaction application using a wireless communication device according to an embodiment of the present invention.

As shown in FIG. 10, when the user 30 connects to the operator 10 using the wireless communication device, the user 30 first accesses the cyber financial transaction by the procedure described with reference to FIG. 9 (S700). . When the user 30 inputs and transmits an access password for starting a financial transaction, the operator 10 checks whether the input password matches the password of the user 30, the service user information database of the operator ( Compare with 80). If the input password matches the password of the user, the process proceeds to the next step of inputting a transaction target ID (S703). If the password is not correct, the mode is switched back to the password input mode. When the user 30 completes the input, the input operation proceeds in the order of transaction type selection 704, transaction amount input 705, and transaction password input 706. Here, when the operator 10 compares the transaction password entered by the user with the transaction password stored in the financial information database constructed on the main server 60 of the operator 10, the user 30 is matched. Analyzes the transaction application contents (S708) inputted and transmitted and proceeds with the applied financial services. If the passwords do not match, the mode is switched back to the transaction password input mode (S706).

11 is a peripheral view of a financial database according to an embodiment of the present invention.

As shown in FIG. 11, the operator service system 10 of the operator 10 builds a financial information database 70 in the main server 70, and the financial information database 70 is a bank. (71) interlocked with financial databases of credit card companies (72), credit information companies (73), financial settlement agency (74) and insurance company (75) is configured to always transmit and receive data necessary to use the service have.

The best embodiments of the present invention have been disclosed above. Although specific terms have been used herein, they are used only for the purpose of describing the present invention and are not intended to limit the scope of the invention as defined in the claims or the claims.

The present invention configured as described above does not expose any information other than the e-mail account between the service user and the subject of the transaction can minimize the anxiety of information leakage in the financial transaction, the card, card inquiry machine and micro Since the production and distribution costs of devices such as chips are not incurred, the cost of reducing social costs and fees for individual users can be minimized.

In addition, by eliminating the shortcomings of the card payment system using the existing mobile phone number that needs to know who the owner of the device, the use process can be reduced as much as possible, and financial transactions can be made regardless of the working hours of the bank or credit card company. And you can reduce the space constraints by using e-mail.

In addition, it is possible to prevent misuse due to the loss of cards, bankbooks, and stamps, which are essential for financial transactions, and when the trading partner is in the form of a merchant to be settled, payment must be overdue or carry a slip to the bank. By preventing the loss of opportunities arising from these reasons, you can increase your reach even to small merchants who are reluctant to trade credit cards.

In addition, when the amount of the transaction is small in the debt relationship, even if it is difficult to easily document the transaction history can be used with confidence because the transaction details remain automatically.

Claims (17)

In financial agency service business method using email and cyber account, (a) a service provider sharing a financial database with an affiliated financial institution, and constructing a financial information of a service user as a database linked to a web server; (b) the operator creating a cyber account of the user and receiving a financial service request from the user through e-mail; (c) the operator analyzes the requested service contents and confirms the user's transaction limit with the affiliated financial institution, and cyber-enters the cyber account of the user based on the requested data of the user from the affiliated financial institution. Receiving approval to generate money; (d) the operator generating a cyber money in the cyber account of the user within the transactionable limit confirmed by the affiliated financial institution to perform the financial service requested by the user; And (e) the business operator notifying the user or financial service transaction target of the result of the financial service; and the financial agency service business method using the e-mail and cyber account, characterized in that proceeding. The method of claim 1, The cyber account creation of step (b), (b1) downloading the electronic certificate after the user accesses the operator's server through the Internet; (b2) the user inputting personal information necessary for a financial transaction in the electronic certificate and transmitting the personal information to the operator; (b3) checking, by the operator, the transmitted data and requesting credit and financial information of the user from the affiliated financial institution; And (b4) The business entity checks the credit and financial information, and if there is no abnormality, generating a cyber account of the user; further comprising the step of proceeding the financial agency service business method using e-mail and cyber account . The method of claim 2, Personal information required for the financial transaction, The financial agency service business method using an e-mail and a cyber account, characterized in that it comprises one or more of an e-mail address, financial service access password, financial transaction password, financial institution account number and the like used by the user. The method of claim 1, The email of step (b), A method for operating a financial agency service using e-mail and cyber accounts, which can be transmitted using any one selected from a personal computer connected to a web network, a workstation, and a personal mobile communication device including an e-mail function. The method of claim 1, Financial services of step (b), Banking using an e-mail and a cyber account characterized in that it proceeds to any one selected from among the remittance to the transaction target person having the established cyber account, the remittance to the transaction target person without the cyber account, the loan from an affiliated financial institution. Service business method. The method of claim 1, The affiliated financial institution of step (c), The financial agency service business method using an e-mail and a cyber account, characterized in that any one or more selected from the user's bank, credit card company, credit information company, financial settlement agency, insurance company and the like. The method of claim 5, Among the financial services requested in step (b), the financial service in step (d) for a request for remittance to a transaction subject having an established cyber account may include: The method of operating a financial agency service using an e-mail and a cyber account, wherein the cyber money in the cyber account of the user who requested the service is transferred to the cyber account of the transaction target person by the amount requested by the user. The method of claim 5, Among the financial services requested in the step (b), the financial service in the step (d) for the transfer request to the transaction target without a cyber account, (d1) generating, by the operator, a temporary cyber account of the transaction target based on the email address of the transaction target without the cyber account; (d2) generating, by the operator, different passwords that are merged according to a predetermined rule to notify the user and the transaction target person; (d3) the user transferring the password notified to the user to the transaction subject; (d4) combining the password received from the business operator with the password transmitted from the user and transmitting the password to the business operator; And (d5) checking, by the operator, that the transmitted password is combined according to a predetermined rule, and if there is no abnormality, transferring cyber money from the user's cyber account to the temporary cyber account of the transaction person by the amount requested by the user; Financial agency service business method using an email and a cyber account, characterized in that further comprising. The method according to claim 7 or 8, The transaction subject is a financial agent service business method using an e-mail and a cyber account, characterized in that any one selected from an individual, a corporation and a credit card merchant. The method of claim 5, Among the financial services requested in step (b), the financial service in step (d) for a loan request to an affiliated financial institution, The operator checks the loan limit of the user from the affiliated financial institution, and generates the cyber money in the cyber account of the user as much as the amount requested by the user within the confirmed loan limit using the e-mail and the cyber account. Financial Agency Services Business Methods. The method of claim 1, Notification of the result of the financial service of step (e), Business method for financial agency service using e-mail and cyber account, characterized in that it can be notified to at least one selected from a personal computer, a workstation connected to an offline telephone, a fax, a web network, and a personal mobile communication device including an e-mail function. . The method of claim 1, The service provider is a financial agency service business method using an e-mail and a cyber account, characterized in that alliance with each financial institution in advance to use the financial database of the financial institution. The method of claim 1, When the service provider and the service user transmits the email, a financial proxy service business method using an email and a cyber account, characterized in that using a security protocol or digital certificate for security. The method of claim 1, When the operator cooperates with an insurance company to create the user's cyber account, the user automatically purchases the insurance to guarantee the principal of the user. . The method of claim 1, When the user wants to cash the cyber money generated in the cyber account, the operator can generate cash in the real account of the user in cooperation with the affiliated financial institution, the finance using the cyber account Agency Services Business Methods. The method of claim 1, The business operator obtains profits using at least one method selected from a brokerage fee imposed during the service process, interest income incurred during cyber money storage, and income through affiliation with a financial institution. Agency Services Business Methods. A computer-readable recording medium containing a program for executing a financial agency service business using an e-mail and a cyber account for implementing the method according to any one of claims 1 to 16.