KR20000072797A - Banking service system using a network and operating method thereof - Google Patents

Abstract

PURPOSE: A financial service system using a network and an operating method of the same are provided to deposit and pay easily by using an ATM, not issuing a bankbook and a cash card. CONSTITUTION: A financial service system using a network includes terminals(110_1, 110_2, 110_3,..., 110_n) such as a computer, an internet communication terminal, an internet set top box, etc. which are used by a customer, financial organ servers(120_1, 120_2, 120_3,..., 120_n) for performing a financial service work, and a network(130) like an inter for receiving a financial service from the terminals(110_1, 110_2, 110_3,...,110_n), and requesting a process with respect to the financial service to the financial organ servers(120_1, 120_2, 120_3,...,120_n).

Description

Banking service system using a network and operating method

The present invention relates to a client / server system using a network network, and in particular, a customer can use all the financial services using the network network, and can conveniently and save money by using an automatic teller machine (ATM) without a card or bankbook. The present invention relates to a financial service system using a network that can safely deposit and withdraw money, and a method of operating the same.

Today, a quantum leap in the field of computer-related telecommunications not only dramatically improves work efficiency, but also changes our daily way of life. For example, the use of a product purchase method using an online shopping mall on a network is gradually expanding in a shopping form related to product purchase.

In addition, due to the rapid spread of ultra-high speed network, a network having a data connection speed of several Mbit / sec has been installed in the home. As a result, many things that have not been possible at home have become possible, and one of them is that the data realized in high-definition, high-performance multimedia can be easily used at home through the Internet.

On the other hand, with the expansion of network infrastructures, financial services using network networks are being developed in the financial sector. Also, for some financial services, network services can be made without having to visit financial institutions. Can be used to request processing of desired financial services such as balance inquiry, bank transfer, and the like.

However, in order for a customer to open an account for a financial product, it is inconvenient to visit a financial institution and open an account. In addition, in the case of a financial institution, when a customer opens an account for a deposit product, there is a disadvantage in that a lot of costs are generated annually by issuing a deposit account and a cash card.

The present invention has been created in view of the above conditions, and customers can use all financial services using a network, and can easily and securely deposit and withdraw money using an automatic teller machine / cash machine without a card or bankbook. The purpose of the present invention is to provide a financial service system and an operation method using the network.

1 is a block diagram schematically showing the configuration of a financial service system using a network according to the present invention.

2 is a flowchart illustrating a process in which a financial service processing server receives a request for a financial service from a customer and performs the financial service in a system employing a method of operating a financial service system using a network according to the present invention.

3 is a flow chart illustrating a process in which a customer uses a financial service using an ATM / cash machine in a system employing a method of operating a financial service system using a network according to the present invention.

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

110_1, 110_2, 110_3, ..., 110_n ... terminal

120_1, 120_2, 120_3, ..., 120_n ... financial institution server

130 Network ... 140 Financial Services Processing Server

141 ... Commodity Search Server 142 ... Interest Rate Search Server

143 ... Account New / Cancellation Server 144 ...

145 ... User Authentication Processing Server 150 ... Personal Information Server

Financial service system using a network in accordance with the present invention to achieve the above object,

A terminal used by the customer and to which the customer applies for financial services;

Financial institution servers, such as banks, village safes, and credit cooperatives, which perform financial services;

A financial service processing server which receives a financial service from the terminal, requests the financial institution server for processing of the applied financial service, and provides the terminal with a financial service processing result performed at the financial institution server; And

It is characterized in that it comprises a network connecting the terminal, the financial institution server and the financial service processing server.

Here, the financial service processing server,

A product search server for providing information on financial products;

An interest rate search server for providing interest rate information on financial products;

An account new / termination server that manages opening and closing of accounts for financial products;

An deposit / withdrawal actuating server that manages deposit / withdrawal details of deposits for financial products; And

Its feature is that it has a user authentication processing server for checking the presence or absence of the use right for the financial service applicant.

In addition, it issues a certificate for identity verification for the request of the customer, the financial service processing server submits a certificate sent from the customer, and performs authentication for whether or not to verify the identity for the certificate It is characterized in that it further comprises a personal information authentication server.

In addition, the operation method of the financial service system using the network network according to the present invention to achieve the above object,

(a) a customer accessing a financial service processing server through a terminal;

(b) the customer applies for the desired financial services and requests processing thereof;

(c) the financial service processing server transmitting the financial service details requested from the customer to a corresponding financial institution server and requesting processing thereof;

(d) the financial institution server performing the requested financial service and transmitting a result of the execution to the financial service processing server;

(e) The financial service processing server is characterized in that it comprises the step of providing the financial service processing results transmitted from the financial institution server to the terminal of the customer.

In this case, the financial service processing server is characterized in that it provides a service for all financial institutions, such as product search, interest rate search, account new / cancel, accounting / withdrawal accounting.

In addition, the operation method of the financial service system using a network in accordance with the present invention in order to achieve the above object,

(i) a customer inputs a user identification number using a cash machine / cash machine and requests financial services;

(j) the ATM / cash machine sends the user identification number and the requested financial service history input from the customer to a financial institution server, and requests the customer to input an authentication number;

(k) The financial institution server determines whether to approve through checking the user identification number and the requested financial service details transmitted from the ATM / cash machine, and the customer possesses an authentication number for the financial service approval. Providing the authentication receiving terminal and the automatic teller machine;

(l) the customer inputting an authentication number for the financial service approval provided from the financial institution server into the ATM / cash machine;

(m) comparing the ATM with the authentication number input from the customer and the authentication number provided from the financial institution server; And

(n) If the authentication number input by the customer and the authentication number provided from the financial institution server match as a result of the determination in step (m), the ATM / cash machine performs the financial service requested by the customer. The feature is that it comprises a step.

Here, the authentication receiving terminal possessed by the customer is characterized in that the mobile communication terminal.

According to the present invention, the customer can use all the financial services using the network, there is an advantage that you can easily and securely deposit / withdraw money using an automated teller machine / withdrawal without a card or bankbook.

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

1 is a block diagram schematically showing the configuration of a financial service system using a network according to the present invention.

Referring to FIG. 1, a financial service system using a network according to the present invention may be used by a customer, and the terminal 110_1, 110_2, 110_3,. Financial services from the financial institution servers 120_1, 120_2, 120_3, ..., 120_n, and the terminals 110_1, 110_2, 110_3, ..., 110_n that perform financial service operations, such as mobile communication terminals and Internet set-tops. Request to the financial institution server (120_1, 120_2, 120_3, ..., 120_n) for processing the applied financial services, the financial institution server (120_1, 120_2, 120_3, ..., 120_n) The financial service processing server 140 and the terminal (110_1, 110_2, 110_3, ..., 110_n) to provide the financial service processing results performed in the terminal to the terminals (110_1, 110_2, 110_3, ..., 110_n) And open the financial institution server 120_1, 120_2, 120_3,..., 120_n and the financial service processing server 140. It includes a mesh network 130 such as the Internet to.

The financial service processing server 140 may include a product search server 141 for providing information on financial products, an interest rate search server 142 for providing interest rate information on financial products, and an account for financial products. Managing account new / cancellation server 143, deposit / withdrawal actuating server 144 that manages the deposit / withdrawal history of deposits for financial products, and user authentication processing server for checking whether or not to use the financial service applicants ( 145).

In addition, by issuing a certificate for identity verification for the customer's request, the financial services processing server 140 submits a certificate sent from the customer, and requesting identity verification for the certificate, for whether or not A personal information certificate server 150 for performing authentication is further provided.

Then, in the system having such a configuration, a process in which the financial service processing server receives a request for a financial service from a customer and performs the processing thereof will be described with reference to FIG. 2. 2 is a flowchart illustrating a process in which a financial service processing server receives a request for a financial service from a customer and performs the financial service in a system employing a method of operating a financial service system using a network according to the present invention. .

First, the customer accesses the financial service processing server 140 through a terminal (see 110_1, 110_2, 110_3, ..., 110_n of FIG. 1), for example, a computer, an Internet mobile communication terminal, an Internet set-top (step 201). .

Then, the customer requests a desired financial service (product search, interest rate search, account new / cancellation request, deposit / withdrawal accounting, etc.) and requests the financial service processing server 140 for processing thereof (step 202).

At this time, the user authentication processing server 144 of the financial service processing server 140 checks the presence or absence of the service use authority by referring to the information of the customer, and determines whether to process the service request.

In addition, according to the details of the financial service requested by the customer, when the customer's identity is required, a certificate for user authentication may be required. There may be a variety of methods for submitting such a certificate, one of which is a method using a certified personal information certificate server 150.

That is, the customer requests the personal information certificate server 150 to authenticate the use of financial services, and receives a certificate from the personal information certificate server 150. When the customer is requested to submit a certificate from the financial service processing server 140, the customer submits a certificate issued by the personal information certificate server 150 to the financial service processing server 140. Then, the financial service processing server 140 may perform a user authentication by submitting a certificate submitted from a customer to the personal information certificate server 150 and requesting the identity verification of the customer.

On the other hand, the financial service processing server 140 that has received a financial service from the customer in step 202 transmits the financial service details requested from the customer to the financial institution server (120_1, 120_2, 120_3, ..., 120_n) Request processing for this (step 203).

Here, the financial institution server (110_1, 110_2, 110_3, ..., 110_n) refers to a server for operating a financial service in each financial institution using a network network, the financial institution in each branch of the bank, village vault, credit All financial institutions, including cooperatives, are included.

On the other hand, if the service requested by the customer in step 202 is a search for goods, the financial service processing server 140 is provided from the financial institution server (120_1, 120_2, 120_3, ..., 120_n) Search for the product and inform the customer of the result.

In addition, when a customer selects a specific financial institution and requests a financial service, for example, a balance inquiry from the financial institution, the financial service processing server 140 may execute the financial institution server 120_1, 120_2, 120_3, ... , 120_n) to request a balance check for the customer's savings account.

As such, when the service execution request is requested from the financial service processing server 140 in step 203, the corresponding financial institution server 120_1, 120_2, 120_3,..., 120_n performs the requested financial service, and the result is performed. Is sent to the financial service processing server (step 204).

Accordingly, the financial service processing server 140 displays the financial service processing result transmitted from the financial institution server 120_1, 120_2, 120_3, ..., 120_n, and the terminal 110_1, 110_2, 110_3, ... of the customer. 110_n) (step 205).

On the other hand, when a customer uses a financial service through a network network, when a new account is created, all financial transactions can be performed through a user authentication method without issuing a bank account and a cash card which have been previously issued. It may be.

That is, when a customer connects to the financial service processing server 140 and selects a financial product and requests to open an account, the financial service processing server 140 uses the certificate submitted by the customer to determine whether or not he or she is a financial product. Check the real name and open the account requested by the customer through the financial institution. At this time, the financial institution does not issue a bank account and a cash card, but performs a financial transaction through a user authentication method.

Then, a method in which the customer uses the automatic teller machine / withdrawal machine without a bankbook and a cash card will be described with reference to FIG. 3. 3 is a flowchart illustrating a process in which a customer uses a financial service using an ATM / cash machine in a system employing a method of operating a financial service system using a network according to the present invention.

First, a customer enters a user identification number using a cash dispenser / cash machine, and requests financial services such as balance inquiry, cash withdrawal, and bank transfer (step 301).

Then, the ATM / cash machine transfers the user identification number inputted from the customer and the requested financial service history to the financial institution server 120_1, 120_2, 120_3, ..., 120_n, and the customer for the requested financial service. In order to confirm the processing authority of, the customer is asked to enter an authentication number (step 302).

On the other hand, the financial institution server (120_1, 120_2, 120_3, ..., 120_n) determines whether to approve by checking the user identification number and the requested financial service details transmitted from the ATM / ATM, and financial services The authentication number for the approval is transmitted to an authentication receiving terminal such as a mobile communication terminal possessed by the customer. In addition, the financial institution server (120_1, 120_2, 120_3, ..., 120_n) provides an authentication number for the approval of financial services to the ATM / cash machine (step 303).

Accordingly, the customer enters the authentication number for the financial service authorization provided from the financial institution server 120_1, 120_2, 120_3, ..., 120_n into the ATM / cash machine (step 304).

Then, the automatic teller machine / withdrawal machine compares the authentication number input from the customer with the authentication number provided from the financial institution server (120_1, 120_2, 120_3, ..., 120_n) (step 305).

At this time, when the comparison result in step 305, the authentication number entered by the customer and the authentication number provided from the financial institution server (120_1, 120_2, 120_3, ..., 120_n) is the same, the automatic teller machine / withdrawal machine Performs the financial service requested by the customer (step 306).

On the other hand, as described above with respect to the request for input of the authentication number of the ATM, each time a customer uses the ATM, the authentication number is provided from the corresponding financial institution server 120_1, 120_2, 120_3, ..., 120_n. You can also receive a table printed with a preset authentication number (e.g. 100 numbers) according to the customer, and the authentication number (e.g., the 95th order authentication) for a specific number when the customer requests financial services. Number).

As described above, according to the financial service system using the network and the operation method according to the present invention, the customer can use all the financial services using the network, using a cash dispenser / withdrawal machine without a card or bankbook There is an advantage in that money can be conveniently and safely withdrawal.

In addition, when the customer opens an account, the financial institution does not issue a bank account and cash card, there is an advantage that the cost can be reduced.

Claims (7)

A terminal used by the customer and to which the customer applies for financial services; Financial institution servers, such as banks, village safes, and credit cooperatives, which perform financial service operations; A financial service processing server which receives a financial service from the terminal, requests the financial institution server for processing of the applied financial service, and provides the terminal with a financial service processing result performed at the financial institution server; And And a network for connecting the terminal, the financial institution server, and the financial service processing server. The method of claim 1, The financial service processing server, A product search server for providing information on financial products; An interest rate search server for providing interest rate information on financial products; An account new / termination server that manages opening and closing of accounts for financial products; An deposit / withdrawal actuating server that manages deposit / withdrawal details of deposits for financial products; And A financial service system using a network, characterized in that it comprises a user authentication processing server for checking the presence or absence of use authority for financial service applicants. The method of claim 1, An individual who issues a certificate for identity verification of the request of the customer, and the financial service processing server submits a certificate transmitted from the customer, and performs authentication for the identity of the person when requesting identity verification for the certificate. Financial service system using a network network, characterized in that further comprising an information authentication server. (a) a customer accessing a financial service processing server through a terminal; (b) the customer applies for the desired financial services and requests processing thereof; (c) the financial service processing server transmitting the financial service details requested from the customer to a corresponding financial institution server and requesting processing thereof; (d) the financial institution server performing the requested financial service and transmitting a result of the execution to the financial service processing server; (e) the financial service processing server providing a financial service processing result transmitted from the financial institution server to the terminal of the customer. The method of claim 4, wherein The financial service processing server is a method of operating a financial service system using a network, characterized in that for providing services such as product search, interest rate search, account new / canceled, withdrawal / withdrawal accounting for all financial institutions. (i) a customer inputs a user identification number using a cash machine / cash machine and requests financial services; (j) the ATM / cash machine sends the user identification number and the requested financial service history input from the customer to a financial institution server, and requests the customer to input an authentication number; (k) The financial institution server determines whether to approve through checking the user identification number and the requested financial service details transmitted from the ATM / cash machine, and the customer possesses an authentication number for the financial service approval. Providing the authentication receiving terminal and the automatic teller machine; (l) the customer inputting an authentication number for the financial service approval provided from the financial institution server into the ATM / cash machine; (m) comparing the ATM with the authentication number input from the customer and the authentication number provided from the financial institution server; And (n) If the authentication number input by the customer and the authentication number provided from the financial institution server match as a result of the determination in step (m), the ATM / cash machine performs the financial service requested by the customer. Operating method of a financial service system using a network, characterized in that it comprises a step of. The method of claim 6, The method of operating a financial service system using a network, characterized in that the authentication receiving terminal possessed by the customer is a mobile communication terminal.