KR20020001076A - System of opening an account with a bank through internet - Google Patents

Abstract

PURPOSE: A system for opening new deposit and installment accounts of a bank through the Internet is provided to simplify procedure for opening new accounts by opening new accounts as soon as an identify of a client having the exist deposit account is confirmed, thereby maximizing business efficiency of the bank and increasing clients. CONSTITUTION: A client connects to an Internet banking service for being authenticated as an Internet banking user. The client connects to a new Internet deposit and installment accounts service. The contents of accounts are displayed and it is confirmed whether the client agrees with the contents. If agreed, a selection screen of deposit, installment, and trust deposit accounts is displayed and a withdrawal account number input window is displayed for inputting account selection and account number. A withdrawal account of the client is searched from a client information database for verifying new account opening qualification. A virtual account is opened by newly processing a virtual bankbook of a new account. Installment and interests during the stipulated time are automatically transferred to the virtual account and the stipulated money is automatically deposited to the withdrawal account if the stipulated time has expired or the virtual account is terminated in the middle.

Description

Example of a bank using the internet, opening a new account account system {System of opening an account with a bank through internet}

The present invention relates to a system for opening a new deposit, eg a bank, from a bank via the Internet. In particular, a customer can open a virtual deposit, a new deposit account through the Internet, without a customer visiting the bank. The transfer and interest calculations are made automatically during the signing up period, making it easier for customers to avoid the hassles of preparing documents for opening new accounts, wasting time waiting, and consulting for interest rate inquiries. It is about the opening of a bank account, the opening of a new bank account using the Internet that can be satisfied by both customers and banks by enabling the opening of a new bank account, for example.

In the bank's deposit products, deposit a certain amount of money at a time and deposit it for a fixed period, and deposit a deposit for a fixed interest to receive a fixed interest or a profit for the operation, and deposit the amount for the specified period for each specified date. There is a regular payment.

Conventionally, in order to open a new account of a regular deposit, a trust deposit, or a regular deposit, a bank visits the bank's new account opening office in charge of bringing the necessary documents necessary for opening a new account and waits for the procedure. After inquiring about interest rates, he selected a product and opened a new account.

However, as mentioned above, the method of opening a new account by filling out and submitting the required documents by visiting the bank in person is a hassle of having to visit the bank in person and a waste of time due to waiting for the order at the window. Because there is a problem to consult with a counselor for risks, if the funds to operate are small, customers often hesitate or bother to purchase products.

The present invention has been made to solve the above problems,

By establishing a system for opening a new savings account, for example, you can immediately open a new savings account by applying online banking to an excellent customer who already has a deposit account. By visiting the bank in person and eliminating the inconvenience of waiting for a window or consulting with the top member for interest rate inquiry, the customer can simplify the time and procedure of opening a new account, and the bank can simplify the opening of a new account. Banks that use the Internet can maximize the efficiency of their work and maximize the profits of the bank by securing more customers by accumulating customers' financial assets and opening accounts. Yes, it is an object of the present invention to provide a savings account opening system.

1 is a block diagram of the present invention.

Figure 2 is a flow chart of the new account opening system of the present invention.

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

1 is a block diagram of the present invention, Figure 2 is an example of the present invention, a flow chart of a new account opening system.

The present invention provides an authentication system capable of checking the trader's eligibility and maintaining security, an external server for managing Internet customer information, and an account host for processing and managing funds in the bank and managing accounts. For example, a banking server that can open a new savings account is established and connected.

Looking at the processing flow of the bank loan system using the present invention configured as described above is made of the following steps.

Authenticating that the customer is an available customer of Internet banking by accessing the Internet banking service;

Accessing an internet example, a savings account opening service;

Displaying contents of the received merchandise rider and confirming the agreement thereof;

Displaying a selection screen for deposits, savings, or trusts of new products upon agreement of the contents of the received merchandise, and displaying a withdrawal account number input window to input product selection and account number;

Verifying the new product eligibility by searching for the withdrawal account of the applicant from the customer information database;

Opening a virtual account by newly processing the virtual account of the new product;

Payments and interest during the contract period are automatically transferred to the virtual account, and the contract amount is automatically deposited into the withdrawal account when the contract period expires or is terminated.

Hereinafter, the operation of each step of the present invention will be described.

The step in which the customer is authenticated as an available customer of Internet banking by accessing the Internet banking service is performed through a firewall and an authentication system for thorough security, and determines the customer by checking user ID and password in Internet banking. .

After confirming the eligibility of the transaction, you will be connected to the Internet banking service for opening a new savings account, and you will be asked whether you agree with it.

Yes, confirming the agreement on the received product special agreement according to the opening of a new savings account, the list of new products of deposits, savings, trusts, etc. is listed.In this case, the menu and the consultation function screen for various information such as interest rate of each product can be easily compared by customers. Is displayed.

The input window for inputting the account number of the withdrawal account that has been opened together with the new product list is displayed and inputs the account number.

In the customer information database, the selected new product and the entered account number are searched for whether there is an existing trading account, and it is checked whether the new product can be registered.

If it is determined that the new product can be subscribed through the customer information database, a virtual bankbook in cyber is issued and a new account is opened.

If the virtual bank account is a regular deposit, the interest according to the deposit amount is automatically calculated and credited to the virtual bank account.After the contract date, the contracted amount is transferred to the existing account that was withdrawn again. In case of withdrawal from the designated withdrawal account by the specified amount by the due date until the expiration date, it is deposited into the virtual account and the interest is also calculated and paid.After the contract date, the withdrawn account is re-opened. Is to deposit.

In addition, if the customer wants to be canceled even if the contract date has not arrived, it is possible to cancel using the new account opening system of the present invention, and the deposits and reserves already accumulated at the time of cancellation are the existing withdrawal accounts specified by the customer. It will be deposited again upon termination.

On the other hand, since the real bank account is not issued at all because of the characteristics of the present invention, the customer can be assured that the customer does not trust the Internet by issuing a balance certificate of the product subscribed through the Internet instead of the real bank account.

As described above, the present invention replaces the identification process of the customer at the branch of the bank with the certificate confirmation when accessing the Internet banking, and then directly accesses the Internet banking homepage without checking the customer's bank and checks interest rates and conditions, and then deposits and trust products. It is possible to join, and the terms and conditions for each product can be substituted for the existing documents by allowing the customer to directly access the homepage and confirm the agreement.

Therefore, by simplifying the existing work process through the submission of the conventional document to be processed immediately on the Internet, it can reduce the heavy work of the bank and improve the work efficiency, and instead of consulting with the counselor at the existing window, the customer directly interest rates and By selecting the appropriate product by comparing the conditions, it is possible to construct a variety of portfolios according to the customer's financial purpose, small-distributed purchase is possible, and it is transferred back to the account withdrawn when the product expires, thereby eliminating the management burden of the customer. .

On the other hand, the present invention uses the appropriate security measures (password card, transfer password, certificate, certificate password) in consideration of the financial transactions are made through the Internet, the public network, and because the password is always used to change the password eavesdropping It is possible to protect from such risks, and a security system that double checks the user's identity through a certificate is configured.

As described above, the present invention is a system that allows a customer to open a new, savings account immediately through the Internet based on thorough security, and can immediately open a new, savings account without having to visit a bank. This is convenient, and the bank has the advantage of maximizing the efficiency of work by attracting more subscribers by simplifying the work process.

As described above, the present invention provides a system for opening an account for a new deposited account, for example, on the Internet, which can immediately open an application for a new deposited account through an identification process without a separate authentication process for customers who have an existing deposit account. The customer can simplify the time and procedure of opening a new account, and the bank can open a new account by eliminating the inconvenience of having to visit a bank in person and consult with an agent for window waiting or interest rate inquiry. It is possible to maximize the efficiency of the work by simplifying the work, and to maximize the profit generation of the bank by securing more customers by actively accumulating the creditworthiness of customers by opening a convenient new bank account and opening a new account. .

Claims (1)

The present invention provides an authentication system capable of checking the trader's eligibility and maintaining security, an external server for managing Internet customer information, and an account host for processing and managing funds in the bank and managing accounts. Yes, build a banking server that can open a new savings account, configure the connection, Authenticating that the customer is an available customer of Internet banking by accessing the Internet banking service; Accessing an internet example, a savings account opening service; Displaying contents of the received merchandise rider and confirming the agreement thereof; Displaying a selection screen for deposits, savings, or trusts of new products upon agreement of the contents of the received merchandise, and displaying a withdrawal account number input window to input product selection and account number; Verifying the new product eligibility by searching for the withdrawal account of the applicant from the customer information database; Opening a virtual account by newly processing the virtual account of the new product; An example of a bank using the Internet, which consists of automatically transferring payments and interests during the contract period into a virtual account and automatically depositing the contract amount into the withdrawal account when the contract period expires or closes. Opening system.