KR20020013683A - cyber-bank system and method for supplying service of the same - Google Patents

Abstract

PURPOSE: A cyber bank system and method for providing services thereof is provided to enable a customer to make a profit by diversifying financial products, by reducing the expenses according that works are efficiently processed, and by providing information and services to the customer. CONSTITUTION: A cyber-bank system(20) includes a server(10) composed of a customer connection unit(2) connected with a customer terminal(1), an analysis unit(3), a customer authorization unit(4), an electronic money issuing company system connection unit(50) connected with an electronic money issuing system(30), a data storing unit(6) and an electronic money storing unit(7) and a cyber bank operating unit(11). The analysis unit(3) analyzes contents of services and related information requested by the customer connection unit(2). In addition, the analysis unit(3) checks whether authorization information on customers is proper. The data storing unit(6) stores information necessary for providing services. The electronic money storing unit(7) stores the customers' electronic money. The cyber bank operating unit(11) provides requested services according to the authorization of the analysis unit(3). In addition, the cyber bank operating unit(11) changes customer information of the data storing unit(6) and electronic money information of the money storing unit(7).

Description

Cyber-bank system and method for supplying service of the same}

The present invention relates to a cyber-bank system through electronic money and a service providing method thereof.

Due to the recent explosive growth of the e-commerce market, the demand for electronic money is increasing together.

However, at present, there is an inconvenience of having to exchange cash and electronic money every time for trading.

Therefore, in the near future, it is expected that e-infrastructure will be grown as a means of value storage or investment rather than simply used as a payment method by inducing the infrastructure of electronic money.

As the market for electronic money grows, it will require cyber-banking through electronic money in the future.

Cyber-bank is a virtual bank that handles banking business through electronic money in cyberspace. It is a bank that can settle all transactions on cyber and eliminate transaction costs such as cash transaction fees. Realize one-click-ok banking transactions.

Currently, the explosive growth of the Internet and the emergence of powerful client software make it possible for bank customers to trade on the Internet without visiting the bank.

Already, almost all banks provide bank services using personal computers through public switched telephone networks (PSTN), integrated services digital networks (ISDN), and packet networks. Web services are also provided for subscribers.

They provide a dedicated client running a virtual bank server to subscribers without any restrictions to service all the functions of the bank.

However, because bank customers are not only trading with one bank, they have to use a dedicated client for each bank they wish to trade, which is inconvenient and complicated. There is the inconvenience of having to re-provision the client.

In addition, even with the emergence of more powerful clients in the future, it will be impossible to do all the work in cyberspace, even if the current problems are overcome by integrating the service provision of various banks.

In the future, if electronic money and the like become fully practical, the necessity of a cyber-bank that can handle a large amount of business quickly and accurately at a lower cost than the current off-line banks will be highlighted.

It is an object of the present invention to provide a cyber-banking system and a service providing method thereof, which can generate profits and return the profits to customers, like banks on-line even in cyberspace.

Another object of the present invention is to provide a cyber-banking system and a service providing method thereof, which can provide more services to customers by quickly and efficiently processing all banking services.

1 is a block diagram showing a cyber-bank system according to the present invention

2 is a flow chart showing a deposit service providing method of electronic wallet-type electronic money in the cyber-bank system according to the present invention.

3 is a flowchart showing a method of providing a deposit service of a prepaid card type electronic money in a cyber-bank system according to the present invention.

4 is a flowchart showing a method for providing a withdrawal service of an electronic wallet-filled electronic money in the cyber-bank system according to the present invention.

5 is a flowchart showing a method for providing a withdrawal service for a prepaid card type electronic money in a cyber-bank system according to the present invention.

6 is a flowchart showing a loan service providing method of a cyber-bank system according to the present invention.

7 is a flowchart showing a method of providing an interest service of a cyber-bank system according to the present invention.

Explanation of symbols for main parts of the drawings

1: customer terminal 2: customer connection

3: Analysis unit 4: Customer certification unit

5: electronic money issuing system connection part 6: data storage part

7 electronic money storage unit 8 electronic money transmission / reception unit

9: system connection 10: server

11: Cyber-Bank Operation Department 20: Cyber-Bank System

30: Electronic money issuer system

The features of the cyber-bank system according to the present invention include a customer connection unit connected to a customer terminal, a data storage unit for storing information necessary for providing a service and customer's input / output information, a service content and related information requested from a customer, An analysis unit which analyzes the authentication information of the customer to determine whether the requested service is approved, analyzes whether the change of the customer information is suitable, and outputs the result to the customer connection unit, a money storage unit which stores the electronic money of the customer; In order to check the authenticity of the electronic money input from the customer connection and transfer the account according to the service requested from the customer, the electronic money issuer system connection part connected to the electronic money issuer system and the requested service according to the approval of the analysis part are performed. Based on the results, the customer information in the data store and the electronic money information in the money store It consists of a cyber-banking operation unit that manages electronic money as it is changed and received and withdrawn.

Here, the analysis unit further comprises a customer authentication unit for checking whether the authentication information of the customer is suitable, the money storage unit is configured by the electronic wallet software method and the server account method, the electronic money issuer system connection unit is an electronic money input from the customer connection unit Electronic money sending / receiving unit that transmits electronic money to the electronic money issuer system and sends the result to the analysis part to check the authenticity of the electronic money. It consists of a system connection which is connected to the electronic money issuer system.

In the method of providing a deposit service of the cyber-bank system according to the present invention, a first step of connecting to a customer terminal, a second step of receiving a request for a deposit service from a customer, requested deposit service contents and related information, and authentication information of the customer are provided. A third step of determining whether to approve the requested deposit service, and a fourth step of confirming the authenticity of the electronic money by transmitting the electronic money sent through the customer terminal to the electronic money issuer system when the deposit service is approved. And a fifth step of storing the electronic money in the money storage and changing the customer deposit data in the data storage, if the electronic money is suitable.

Herein, the fifth step includes displaying customer deposit information and electronic money authenticity confirmation information on the customer terminal if electronic money is appropriate, storing the electronic money of the customer in the electronic money storage, and the approved customer. Performing the relevant business process according to the deposit service request of the customer and changing the customer deposit data of the data storage; analyzing whether the changed customer deposit data is suitable; and if the changed customer deposit data is suitable, The display step is made.

In addition, another method of providing a deposit service of the cyber-bank system according to the present invention includes a first step of accessing a customer terminal, a second step of requesting a deposit service from a customer, requested deposit service contents and related information, and a customer. The third step of determining whether the requested deposit service is approved by analyzing the authentication information of the user, and when the deposit service is approved, the contents of the requested deposit service and related information from the customer are transmitted to the electronic money issuer system, and the customer's account amount is increased. A fourth step of changing from a cyber bank account to a cyber bank account, a fifth step of analyzing whether an account change is suitable, and a sixth step of changing server account data of the currency storage and customer deposit data of the data storage, if the account change is appropriate. .

Herein, the sixth step may include performing a related work process according to the request of the depositor's deposit service, and changing the server account data of the currency storage and the customer deposit data of the data storage, if the account change is appropriate, and the changed customer deposit data. Is analyzed, and if the changed customer deposit data is suitable, displaying the changed customer deposit data on the customer terminal.

The withdrawal service providing method of the cyber-bank system according to the present invention includes a first step connected to a customer terminal, a second step of requesting a withdrawal service from a customer, requested withdrawal service contents and related information, and customer authentication information. A third step of analyzing and determining whether the requested withdrawal service is approved; a fourth step of performing related business processes and changing customer deposit data in the data storage if the withdrawal service is approved; and an electronic money issuer A fifth step of checking the authenticity of the electronic money by sending it to the system; a sixth step of analyzing the amount of electronic money to be withdrawn and whether the changed customer deposit data is appropriate; If the customer deposit data is suitable, the changed customer deposit data is displayed and displayed on the customer terminal. The seventh step is to transfer the electronic money to the customer.

In addition, another withdrawal service providing method of the cyber-bank system according to the present invention includes a first step connected to a customer terminal, a second step of requesting a withdrawal service from a customer, requested withdrawal service contents and related information, and a customer. The third step of determining whether to approve the requested withdrawal service by analyzing the authentication information of the bank, and when the withdrawal service is approved, the information of the withdrawal service requested by the customer and related information is transmitted to the electronic money issuer system and the cyber bank as much as the withdrawal amount of the customer. A fourth step of changing from an account to a customer account, a fifth step of analyzing whether an account change is appropriate, and a sixth step of changing server account data in the currency store and customer deposit data in the data store, if the account change is appropriate. .

Here, the sixth step is to perform the relevant business process according to the withdrawal service request of the authorized customer, if the account change is appropriate, changing the server account data of the currency storage and the customer deposit data of the data storage, and the changed customer deposit data Is analyzed, and if the changed customer deposit data is suitable, displaying the changed customer deposit data on the customer terminal.

The loan service providing method of the cyber-bank system according to the present invention includes a first step of accessing a customer terminal, a second step of requesting a loan service from a customer, requested loan service contents and related information, customer authentication information, A third step of analyzing the credit information of the customer to determine whether to approve the requested loan service; a fourth step of performing related business processes and changing the customer deposit data in the data storage if the loan service is approved; A fifth step of verifying the authenticity of the electronic money by transferring the money to the electronic money issuer system; a sixth step of analyzing the amount of electronic money to be loaned and whether the changed customer deposit data is appropriate; If the electronic money amount and the changed customer deposit data are suitable, the changed customer deposit data is sent to the customer terminal. It comprises a seventh step of the display and sent to the customer for electronic money to loan.

In this case, the fourth step is to analyze the suitability of the loan based on the collected and collected data and to collect the necessary data for the loan to the customer when the loan service is approved, and if the analysis result is appropriate, whether there is a customer's deposit account. Checking and, if there is a savings account of the customer and changes the customer deposit information of the data storage unit.

If the customer does not have a savings account, the customer creates a process for opening a savings account, opens a savings account, records new customer savings account information in the data storage, and changes the customer deposit data.

The interest service providing method of the cyber-bank system according to the present invention includes a first step of searching for customer deposit data of the data storage unit, a second step of analyzing the customer deposit data to determine whether the interest payment period has expired; If the result of the judgment is that the interest payment period has expired, the third step of approving the interest payment decision, the fourth step of changing the customer deposit data in the data storage by calculating the interest amount to be paid, and analyzing whether the changed customer deposit data is suitable A fifth step and a sixth step of displaying the changed customer deposit data on the customer terminal if the changed customer deposit data is suitable.

Here, if the interest payment period has not expired, the analysis of customer deposit data is stopped, and the interest to be paid is in electronic money.

The present invention that provides such a service can quickly and efficiently all the bank's business to reduce costs and generate revenue.

And, by returning the generated revenue to customers can provide more services.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments taken in conjunction with the accompanying drawings.

Referring to the accompanying drawings, preferred embodiments of the present invention having the features as described above are as follows.

The cyber bank system of the present invention is via electronic money, and the customer terminal connectable to the system of the present invention can be any Internet access device such as a mobile phone and a television as well as a computer.

In addition, the electronic money used in the present invention includes both a network-type electronic money and various electronic money that are currently practical.

The network type electronic money applicable to the present invention is divided into electronic wallet charging type (E-CASH type) which is almost cash and prepaid card type (E-COIN type) which is similar to transportation card method. The electronic money is sent directly to the shopping mall, and the shopping mall that receives the electronic money transmits the electronic money to the electronic money issuer to check the authenticity of the electronic money, and then retransmits it to the electronic money issuer. Transfer electronic money at exchange.

And the prepaid card type only has information that the customer has only some electronic money, and does not actually have the electronic money.

The customer who has a prepaid card type electronic money purchases the goods at the shopping mall and approves payment, and then sends the payment instructions in the form of electronic money to the shopping mall. The item is settled by the difference payment between the issuer and the electronic money issuer.

The two types of electronic money are similar to credit cards, except that the customer charges a certain amount in advance and uses it within the limit.

Detailed description of the service method of the present invention through these electronic money will be described later.

Further, in the present invention, the authenticity of the electronic money is to be proved by the electronic money issuer.

Therefore, when the electronic wallet-type electronic money is used, the shopping mall may send the electronic money to the electronic money issuer again when the customer receives the electronic money to check the authenticity of the electronic money, and the prepaid card type electronic money is distributed. It is not necessary to investigate the authenticity of electronic money as long as it protects transaction information.

Then, when the customer withdraws the electronic money from the system of the present invention, the electronic payment recharging type transfers the electronic money directly to the electronic wallet, and the customer uses and uses the electronic money on the offline (or internet) with the debit card. It can be used to withdraw money by amount, or by using a customer's electronic money on a credit card offline (or on the Internet).

In other words, it has a function similar to the current smart card, and credit card usage can be repaid electronic money.

The prepaid card type is used by the customer offline (or the Internet) as a debit card, by the customer using a credit card, the balance of the prepaid card type electronic money in the electronic wallet program of the cyber bank system of the present invention. It can be used to display the transaction history.

On the other hand, the present invention is to use the program of the electronic money issuer entirely the technology for recognizing and storing electronic money.

However, since the present invention handles various electronic money, there are programs and subordinate servers for recognizing and storing various types of electronic money in the server of the cyber bank.

The present invention using such electronic money will be described in detail.

1 is a block diagram showing a cyber-bank system according to the present invention. As shown in FIG. 1, the cyber-bank system 20 of the present invention includes a customer connection unit 2 connecting to a customer terminal 1, A server comprising an analysis unit 3, a customer authentication unit 4, an electronic money issuer system connection unit 5 connected to the electronic money issuer system 30, a data storage unit 6, and an electronic money storage unit 7. It is largely divided into the unit 10 and the cyber-bank operation unit 11.

Here, the customer connection unit 2 connected to the customer terminal 1 is configured as a server having a hyper text transfer protocol (HTTP) emulation function and connected to the customer terminal.

In addition, the analysis unit 3 analyzes the service content and related information requested from the customer connection unit 2, and determines whether the requested service is approved by checking whether the authentication information of the customer is appropriate from the customer authentication unit 4. .

In addition, the analysis unit 3 requests the cyber bank operation unit 11 to perform a related process corresponding to the service requested by the customer, and analyzes whether changes in the customer information according to the execution are appropriate.

The data storage unit 6 stores information necessary for providing a service and information such as deposit and withdrawal of a customer.

The electronic money storage unit 7 stores electronic money of the customer, and as described above, the electronic money storage unit 7 is configured as an electronic wallet software type of electronic wallet charging type and a server account type of prepaid card type according to the type of electronic money.

When the electronic money issuer system connection part 5 uses the electronic wallet-filled electronic money, the electronic money issuer system 30 transmits the electronic money to the electronic money issuer system 30 to check the authenticity of the electronic money input from the customer connection part. In the case of using the prepaid card type electronic money and the electronic money transmitting / receiving part 8 which transmits the electronic money to the electronic money storage part 7 or outputs it from the electronic money storage part 7. And a system connection 9 connected to the electronic money issuer system 30 for account transfer in accordance with the service requested from the customer.

Finally, the cyber-banking operation unit 11 may be formed of an accounting system that performs financial tasks to perform the same role as existing banks offline, depending on whether the analysis unit 3 is approved. By performing the requested service, it changes the customer information of the data storage unit 6 and the electronic money information of the currency storage unit 7 according to the result, and manages the electronic money which is input / outputted.

In this way, the cyber-bank system of the present invention that is configured may be added and rearranged according to the update of the service.

Referring to the service providing method using the cyber-bank system of the present invention via the electronic money as follows.

In the following description, an input / output service, a loan service, an interest payment service, and the like will be described.

First, FIG. 2 is a flowchart illustrating a deposit service when the electronic money to be deposited by the customer is an electronic wallet charging type.

When a customer attempts to deposit his wallet-type electronic money into the cyber-bank, he / she accesses a website under the control of the cyber-bank with his terminal (S1).

The customer who is connected to the customer connection of the cyber-bank server requests a service for deposit and inputs his ID and password to authenticate that he is a real customer, the kind of deposit account that he wants to deposit, Enter information related to the deposit service, such as the type of electronic money, the amount of deposit (S2).

The cyber-bank determines whether the requested deposit service is approved by analyzing the contents and related information of the requested deposit service and whether the ID and password, which are the authentication information of the customer, are appropriate (S3).

As a result, when the approval of the deposit service is rejected, the deposit rejection notification is displayed on the customer terminal (S4). When the deposit service is approved, the electronic money transmitted through the customer terminal of the customer is transmitted to the electronic money issuer system.

The electronic money issuer system checks the authenticity of the transmitted electronic money and transmits the information on the result back to the cyber-bank's electronic money issuer system connection (S5).

The analysis unit of the cyber-bank receives the electronic money authenticity confirmation information from the system connection, and if the electronic money is not suitable, displays a deposit rejection notice on the customer's terminal (S4), and if the electronic money is suitable, the customer deposit information and the electronic money confirmation information. Display on the customer terminal (S6).

In addition, the analysis unit stores the electronic money in the secured electronic money storage to confirm that it is a suitable electronic money, and transmits the deposit service request of the approved customer to the cyber-bank operation (S7).

The cyber-banking operation performs the related business process according to the request of the deposit service of the authorized customer, and changes the customer deposit data of the data storage (S8).

Then, the analysis unit analyzes whether the changed customer deposit data is appropriate (S9).

As a result of the analysis, if the changed customer deposit data is suitable, the changed customer deposit data is displayed on the customer terminal (S10) to terminate the deposit service provision, and if the changed customer deposit data is not suitable, the cyber-bank operation department deposits the approved customer. Performs the related business process according to the service request again (S7).

3 is a flowchart showing a deposit service when the electronic money to be deposited by the customer is a prepaid card type.

First, when attempting to deposit a prepaid card type electronic money owned by the customer into the cyber-bank, the customer accesses a website under the control of the cyber-bank with his terminal (S21).

The customer who is connected to the customer connection of the cyber-bank server requests a service for deposit and inputs his ID and password to authenticate that he is a real customer, the kind of deposit account that he wants to deposit, Input information related to the deposit service, such as the type of electronic money, the amount of the deposit (S22).

The cyber-bank determines whether the requested deposit service is approved by analyzing the contents and related information of the requested deposit service and whether the ID and password, which are the authentication information of the customer, are appropriate (S23).

As a result, when the approval of the deposit service is rejected, the deposit rejection notice is displayed on the customer terminal (S24), and when the deposit service is approved, the contents of the payment service and related information input from the customer through the payment settlement program of the electronic money issuer. Send to the electronic money issuer system.

The electronic money issuer system changes the amount of the customer's deposit from the customer account to the cyber bank account (S25).

Subsequently, when the money transfer of the electronic money issuer is made, this information is transmitted back to the analysis unit through a program (system connection unit) in the cyber-bank server, and the analysis unit analyzes whether the account change is suitable (S26).

If the account change is not appropriate, the payment service contents and related information inputted from the customer are transferred back to the electronic money issuer system through the electronic money issuer's payment and settlement program, and then changed back to the cyber bank account by the customer's deposit amount. (S25)

However, if the account change is appropriate, the analyst requests the Cyber-Bank Operations to proceed with the deposit, and the Cyber-Bank Operations changes the server account data in the currency store and the customer deposit data in the data store through the relevant business process. (S27)

The changed information of the data storage unit is transmitted to the analysis unit, and the analysis unit analyzes whether the changed customer deposit data is appropriate (S28).

If the changed customer deposit data is suitable, the changed customer deposit data is displayed on the customer terminal (S29) to terminate the deposit service provision, and if the changed customer deposit data is not suitable, the cyber-bank operation department deposits the approved customer. Perform the related business process according to the service request again (S27).

4 is a flowchart showing a withdrawal service when the electronic money that the customer wants to withdraw is an electronic wallet charging type.

First, the procedure from the system access procedure to the withdrawal service approval procedure is the same as the deposit service, so a detailed description thereof will be omitted.

Once the withdrawal service is approved, the analysis unit orders the withdrawal request of the customer to the cyber-banking operation unit.

The cyber-banking operation performs a related business process to change the customer deposit data in the data storage, and instructs the money storage to transmit electronic money to the electronic money transmission / reception unit (S45).

The electronic money transmitter / receiver sends the electronic money to be withdrawn to the electronic money issuer system, and the electronic money issuer system checks the authenticity of the electronic money and sends the information on the result back to the cyber-money issuer system connection of the cyber-bank. Transmit. (S46)

The analysis unit of the cyber-bank receives the electronic money authenticity confirmation information from the system connection unit, and if the electronic money is inappropriate, transmits another electronic money to the electronic money issuer system again to check the authenticity of the electronic money (S45).

If the electronic money is suitable, it is analyzed whether the amount of electronic money to be withdrawn and the changed customer deposit data are suitable (S47).

If the amount of electronic money to be withdrawn and the changed customer deposit data are inadequate, the cyber-banking operation re-executes the related business process according to the request of the withdrawal service of the authorized customer.

However, if the electronic money amount to be withdrawn and the changed customer deposit data are suitable, the changed customer deposit data is displayed on the customer terminal (S48), the electronic money to be withdrawn to the customer (S49) and the withdrawal service ends.

5 is a flowchart illustrating a withdrawal service when the electronic money that the customer intends to withdraw is a prepaid card type.

First, the procedure from the system access procedure to the withdrawal service approval procedure is the same as the deposit service, so a detailed description thereof will be omitted.

If the withdrawal service is approved, the withdrawal service contents and related information requested from the customer are transmitted to the electronic money issuer system through the payment settlement program of the electronic money issuer.

The electronic money issuer system changes the amount of the customer's withdrawal from the cyber bank account to the customer's account (S65), and then transfers information on the transfer of funds to the analysis unit of the cyber bank through the payment settlement program. Analyze. (S66)

If the account change is not appropriate, the withdrawal service contents and related information inputted from the customer are transferred back to the electronic money issuer system through the electronic money issuer's payment settlement program, and the amount of the withdrawal from the cyber bank account to the customer account is changed again. (S65)

However, if the account change is appropriate, the analyst requests the cyber-banking operation to proceed with the withdrawal process, and the cyber-banking operation changes the server account data of the currency storage and the customer deposit data of the data storage through the relevant business process. (S67)

The changed information of the data storage unit is transmitted to the analysis unit, and the analysis unit analyzes whether the changed customer deposit data is appropriate (S68).

If the changed customer deposit data is suitable, the changed customer deposit data is displayed on the customer terminal (S69) to end the withdrawal service provision, and if the changed customer deposit data is not suitable, the cyber-bank operation unit withdraws the approved customer. Perform the related business process according to the service request again (S67).

6 is a flowchart showing a loan service.

First, the customer accesses a website under the control of the cyber-bank with his terminal (S81).

The customer who is connected to the customer connection of the cyber-bank server requests the service about the loan and then enters his ID and password to authenticate that he or she is a real customer. Enter information related to the loan service, such as loan amount (S82).

In this case, the authentication process of the customer may be omitted in some cases.

The analysis unit of the cyber-bank first examines loan information and credit information input from the customer to determine whether the loan service is approved (S83).

As a result of the first investigation, if it is determined that the loan is not available due to the cyber bank's lending criteria, the loan rejection notice is displayed on the terminal of the customer (S84). Collect data needed by the agency (S85).

At this time, for the convenience of customers, if possible, collect all loan documents directly from the cyber-bank.

Next, based on the collected data, a second investigation of the suitability of the loan is made to determine whether the loan is made (S86).

As a result of the second investigation, if the loan is not determined, the loan rejection notice is displayed on the terminal of the customer (S84), and when the loan approval is determined, it is checked whether the customer has a savings account (S87).

As a result of the check, if there is a customer's deposit account, the customer's deposit data is changed in the data storage unit (S89). Record the new customer deposit account information in the storage unit and change the customer deposit data (S89).

Then, the electronic money to be loaned is transmitted to the electronic money issuer system, and the electronic money issuer system verifies the authenticity of the electronic money to be loaned, and then transmits information on the result back to the cyber money issuer system connection of the cyber-bank. (S90)

The analysis unit of the cyber-bank receives the electronic money authenticity confirmation information from the system connection unit, and if the electronic money is inappropriate, transmits another electronic money to the electronic money issuer system again to check the authenticity of the electronic money (S89).

Then, if the electronic money is suitable, it is analyzed whether the amount of electronic money to be loaned and the changed customer deposit data are suitable (S91).

If the amount of electronic money to be loaned and the changed customer deposit data are inadequate, the cyber-banking operation performs the related business process again in response to the request of the loan service of the authorized customer (S89).

However, if the electronic money amount to be loaned and the changed customer deposit data are suitable, the changed customer deposit data is displayed on the customer terminal (S92), the electronic money to be loaned to the customer (S93) and the loan service is terminated.

7 is a flowchart showing an interest payment service.

First, the customer's deposit data stored in the data storage unit of the cyber-bank is searched (S101).

Next, by analyzing the deposit data of the customer to determine whether the interest payment period has expired (S102).

If it is determined that the interest payment period has not expired, the analysis of the customer's deposit data is stopped (S104), and if the interest payment period has expired, the interest payment decision is approved (S103).

Next, the interest amount to be paid is calculated (S105), the customer deposit data of the data storage unit is changed (S106), and the changed customer deposit data is analyzed (S107).

If the changed customer deposit data is suitable, the changed customer deposit data is displayed on the customer terminal (S108) to terminate the provision of the interest payment service, and if the changed customer deposit data is inappropriate, the interest amount to be paid is calculated again (S105). The customer deposit data of the data storage unit is changed again (S106).

Here, the interest to be paid is based on payment in electronic money.

As such, the cyber-bank system according to the present invention may provide various services to customers in addition to the above services.

The most important feature of the cyber-bank system of the present invention is that it can generate revenue and return it to customers in the form of interest.

Here, the interest given to the customer is based on electronic money.

The profit structure of the cyber-bank according to the present invention can be divided into short-term and long-term, which is short-term margins, card fees, cash investment profits, electronic money exchange fees, etc., in the long run, typical margins, card fees, electronic money investments Revenues, cash investment returns, asset management fees, electronic money exchange fees, B2B settlement fees, and other financial product revenues.

Here, the margin margin is the profit generated from transactions with customers, which refers to the profit minus deposit interest, and the cash investment income is used by cash exchanged in cash through the electronic money issuer. It is to generate profit by investing in the securities market, etc., and the profit of electronic money investment is to generate profit by investing in the securities market where electronic money is used.

In addition, the electronic money exchange fee is generated by receiving a fee by exchanging various electronic money directly to the customer from the cyber-bank, and the card fee is purchased by the customer who has a credit card contract with the cyber-bank. If the payment is made with the credit card, the affiliate shopping mall generates money by paying a card fee according to the cyber-bank payment.

As such, the credit card fee can be received from the affiliated shopping mall, and in the case of the installment sale using the credit card from the customer, the interest according to the credit can be received.

In addition, the customer makes a payment with a cyber bank, and pays with electronic money.

In addition, the cyber-bank of the present invention can provide a rich and diverse range of generalized financial products by partnering with a financial information company in the short term, and in the medium term, by signing a license agreement with an external financial expert. They can create and provide banking products that customers demand.

Of course, this will require the establishment of a knowledge base and intranet system between external financial experts and the company, and the performance compensation evaluation system of external financial experts.

In the long run, the company will become a comprehensive financial holding company in cyberspace, processing all the financial products customers want on one-site and reducing the processing time of all financial products within 12 hours.

In addition, the cost savings of cyber banks include fixed costs through electronic money, savings by maximizing the efficiency of business processing, and cost reduction through strategic out-soursing.

Fixed cost reduction means that cyber-banks exist only on the Internet, which means that they do not require as many stores or facilities as existing offline banks.

In addition, the maximization of work processing efficiency means that a very fast work processing is possible due to the open information system called the Internet, and the customer service processing efficiency is very high and the cost is reduced because the customer information writing and the searching of customer information are possible.

In addition, cost reduction through strategic outsourcing refers to focusing resources only on core competencies with drastic out-sourcing of non-core tasks, which requires a good understanding of the importance and organic relevance between tasks.

As such, the present invention handles banking operations through electronic money in the short term, but in the long term, it is a financial holding company that exists in cyberspace and becomes a leader in the financial industry in the 21st century, and has the world's largest asset size and profitability. Will be a bank.

The cyber-bank system and the service providing method according to the present invention has the following effects.

As described above, the present invention can reduce costs through diversification of financial products, efficiency of fixed costs and business processes, and can provide customers with many services such as exchange of electronic money.

In addition, it is possible to generate a profit using electronic money to return the profit to the customer, it can provide a lot of information and convenience to the customer by providing a program related to various financial information.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the technical spirit of the present invention.

Therefore, the technical scope of the present invention should not be limited to the contents described in the embodiments, but should be defined by the claims.

Claims (33)

In a cyber-bank system connected to a customer terminal and an electronic money issuer system, A customer connection unit connected to the customer terminal; A data storage unit for storing the information necessary for providing the service and the customer's input / output information; Analyzing the service contents and related information requested from the customer and the authentication information of the customer to determine whether to approve the requested service, analyzing whether the change of the customer information is appropriate and outputting the result to the customer connection unit. An analysis unit; Money storage unit for storing the electronic money of the customer; An electronic money issuer system connection unit connected to the electronic money issuer system for checking the authenticity of the electronic money inputted from the customer connection unit and transferring the account according to the service requested from the customer; And, It consists of a cyber-banking operation unit that performs the requested service according to the approval of the analysis unit, and changes the customer information of the data storage unit and the electronic money information of the currency storage unit according to the result, and manages the electronic money that is input / outputted. Cyber-bank system, characterized in that. The cyber-bank system according to claim 1, wherein the analysis unit further comprises a customer authentication unit which checks whether the authentication information of the customer is appropriate. The cyber-bank system according to claim 1, wherein the currency storage unit is configured by an electronic wallet software method and a server account method. The electronic money issuer system connection of claim 1, wherein In order to check the authenticity of the electronic money inputted from the customer connection part, the electronic money is transmitted to the electronic money issuer system, the result is transmitted to the analysis part, and the electronic money inputs / outputs the electronic money to the money storage part. Transmitter / receiver; And a system connection portion connected to the electronic money issuer system for the transfer of funds according to the service requested from the customer. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of connecting with the customer terminal; A second step of receiving a deposit service from the customer; A third step of determining whether to approve the requested deposit service by analyzing the requested deposit service contents and related information and authentication information of the customer; A fourth step of confirming the authenticity of the electronic money by transmitting the electronic money transmitted through the customer terminal of the customer to the electronic money issuer system when the deposit service is approved; And, And if the electronic money is suitable, storing the electronic money in the money storage, and changing the customer deposit data in the data storage. 6. The method of claim 5, wherein in the third step, if the approval of the deposit service is rejected, a deposit rejection notification is displayed on the customer terminal. 6. The method of claim 5, wherein in the fourth step, if the electronic money is not suitable, a deposit refusal notification is displayed on the customer terminal. The method of claim 5, wherein the fifth step If the electronic money is suitable, displaying the customer deposit information and the electronic money authenticity confirmation information on the customer terminal; Storing the electronic money of the customer in the electronic money storage; Performing a related business process according to the payment service request of the approved customer, and changing the customer deposit data of the data storage unit; Analyzing whether the modified customer deposit data is appropriate; And, And if the modified customer deposit data is suitable, displaying the changed customer deposit data on the customer terminal. 10. The method of claim 8, wherein if the changed customer deposit data is not suitable, the related business process according to the payment service request of the approved customer is performed again. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of connecting with the customer terminal; A second step of receiving a deposit service from the customer; A third step of determining whether to approve the requested deposit service by analyzing the requested deposit service contents and related information and authentication information of the customer; A fourth step of, when the deposit service is approved, transferring the deposit service contents and related information requested from the customer to the electronic money issuer system and changing the amount of the deposit from the customer account to the cyber bank account; A fifth step of analyzing whether the account change is suitable; And, And, if the account change is suitable, changing the server account data of the money storage unit and the customer deposit data of the data storage unit. 12. The method of claim 10, wherein in the third step, if the approval of the deposit service is denied, the deposit rejection notice is displayed on the customer terminal. 12. The method of claim 10, wherein in the fifth step, if the account change is inappropriate, the fourth step is repeated. The method of claim 10, wherein the sixth step is If the account change is appropriate, performing a related business process according to the payment service request of the approved customer, and changing server account data of the money storage unit and customer deposit data of the data storage unit; Analyzing whether the modified customer deposit data is appropriate; And, And if the modified customer deposit data is suitable, displaying the changed customer deposit data on the customer terminal. 15. The method of claim 13, wherein if the changed customer deposit data is not suitable, the related business process according to the payment request of the authorized customer is performed again. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of connecting with the customer terminal; Receiving a withdrawal service from the customer; A third step of determining whether to approve the requested withdrawal service by analyzing the requested withdrawal service contents and related information and the authentication information of the customer; If the withdrawal service is approved, performing a related business process and changing customer deposit data of the data storage unit; A fifth step of confirming the authenticity of the electronic money by transmitting the electronic money to be withdrawn to the electronic money issuer system; A sixth step of analyzing, if the electronic money is suitable, whether the amount of electronic money to be withdrawn and the changed customer deposit data are suitable; And, And a seventh step of displaying the changed customer deposit data on the customer terminal and transmitting the electronic money to be withdrawn to the customer, if the electronic money amount and the changed customer deposit data are suitable. How the banking system provides services. 16. The method of claim 15, wherein in the third step, when the approval of the withdrawal service is denied, the withdrawal notification is displayed on the customer terminal. The cyber-bank system of claim 15, wherein in the fifth step, if the electronic money is not suitable, the electronic money issuance system is transmitted to the electronic money issuing system to check the authenticity of the electronic money. How we deliver the service. 16. The method of claim 15, wherein in the sixth step, if the electronic money amount to be withdrawn and the changed customer deposit data are inappropriate, the fourth step is repeated. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of connecting with the customer terminal; Receiving a withdrawal service from the customer; A third step of determining whether to approve the requested withdrawal service by analyzing the requested withdrawal service contents and related information and the authentication information of the customer; A fourth step of, if the withdrawal service is approved, transferring the withdrawal service content and related information requested from the customer to the electronic money issuer system and changing the withdrawal amount of the customer from the cyber bank account to the customer account; A fifth step of analyzing whether the account change is suitable; And, And, if the account change is suitable, changing the server account data of the money storage unit and the customer deposit data of the data storage unit. 20. The method of claim 19, wherein in the third step, when the approval of the withdrawal service is denied, the withdrawal notification is displayed on the customer terminal. 20. The method of claim 19, wherein in the fifth step, if the account change is inappropriate, the fourth step is repeated. 20. The method of claim 19, wherein the sixth step is If the account change is appropriate, performing a related business process according to the withdrawal service request of the approved customer, and changing server account data of the money storage unit and customer deposit data of the data storage unit; Analyzing whether the modified customer deposit data is appropriate; And, And if the modified customer deposit data is suitable, displaying the changed customer deposit data on the customer terminal. 23. The method of claim 22, wherein if the changed customer deposit data is not suitable, the related business process according to the withdrawal service request of the approved customer is performed again. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of connecting with the customer terminal; A second step of receiving a loan service from the customer; A third step of determining whether to approve the requested loan service by analyzing the requested loan service contents and related information, authentication information of the customer, and credit information of the customer; If the loan service is approved, performing a related business process and changing customer deposit data of the data storage unit; A fifth step of confirming the authenticity of the electronic money by transmitting the electronic money to be loaned to the electronic money issuer system; A sixth step of analyzing, if the electronic money is suitable, whether the amount of electronic money to be loaned and the changed customer deposit data are suitable; And, And if the electronic money amount to be loaned and the changed customer deposit data are suitable, displaying the changed customer deposit data to the customer terminal and transmitting the electronic money to be loaned to the customer. How the banking system provides services. 25. The method of claim 24, wherein in the third step, if the approval of the loan service is rejected, a loan rejection notice is displayed on the customer terminal. The method of claim 24, wherein the fourth step If the loan service is approved, billing and collecting data necessary for the loan to the customer, and analyzing the suitability of the loan based on the collected data; Confirming that there is a savings account of the customer, as a result of the analysis; And if the customer has a savings account, changing the customer deposit information of the data storage unit. 27. The method of claim 26, wherein if there is no deposit account of the customer, a process for opening a deposit account is created for the customer to open a deposit account and at the same time recording new customer deposit account information in the data storage, and storing the customer deposit. A service providing method of a cyber-bank system, characterized in that the data is changed. 25. The cyber-bank system of claim 24, wherein in the fifth step, if the electronic money is not suitable, the electronic money issuing system is transmitted to the electronic money issuer system to check the authenticity of the electronic money. How we deliver the service. 25. The method of claim 24, wherein in the sixth step, if the electronic money amount to be withdrawn and the changed customer deposit data are inappropriate, repeating the fourth step. In the service providing method of the cyber-bank system that provides a service to the customer terminal from the cyber-bank operation unit through a server consisting of a customer connection unit, data storage unit, analysis unit, money storage unit, electronic money issuer system connection unit, A first step of searching for customer deposit data of the data storage unit; A second step of analyzing the customer deposit data to determine whether an interest payment has expired; A third step of approving the interest payment decision if the interest payment period has expired as a result of the determination; A fourth step of changing the customer deposit data of the data storage unit by calculating the interest amount to be paid; A fifth step of analyzing whether the changed customer deposit data is appropriate; And, And the sixth step of displaying the changed customer deposit data on the customer terminal, if the changed customer deposit data is appropriate. 31. The method of claim 30, wherein in the second step, analysis of the customer deposit data is stopped if the interest payment period has not expired. 31. The method of claim 30, wherein in the fifth step, if the changed customer deposit data is inappropriate, repeating the fourth step. 31. The method of claim 30, wherein in the fourth step, the interest to be paid is electronic money.