KR20080015491A - System for operating prepaid card - Google Patents

Abstract

A system for operating a prepaid card is provided to offer more than one financial transaction service to a customer through a new temporary account before real name confirmation by opening a financial account for financial transaction and/or sales of financial products as the new temporary account, and processing the new temporary account as an interest rate-linked rechargeable prepaid card. A new temporary account opening part opens the account as the new temporary account in the network without checking the real name of the customer. A prepaid card processor applies deposit transaction of the new temporary account to a ledger as prepaid card recharging transaction, applies withdrawal transaction of the new temporary account to the ledger as prepaid card payment transaction, and applies an amount deposited in the new temporary account to the leader as a prepaid card recharging amount. The prepaid card processor applies a password of the new temporary account to the ledger as the password of the prepaid card, and applies an interest rate of the new temporary account to the ledger as the interest rate linked with the prepaid card. A new temporary account manager processes deposit and withdrawal transaction of the new temporary account in a prepaid card recharging mode.

Description

Prepaid Card Management System {System for Operating Prepaid Card}

1 is a view showing a new processing system of the interest rate interlocking rechargeable prepaid card concept according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a structure of information on a ledger ledger for trailing rule processing of an interest rate interlocking rechargeable prepaid card concept according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a structure of information on a ledger ledger for trailing rule processing of an interest rate-linked rechargeable prepaid card according to another embodiment of the present invention.

FIG. 4 is a diagram illustrating the structure of false new processing information and interest rate interlocking rechargeable prepaid card information for the new provision of the interest rate interlocking rechargeable prepaid card concept according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for processing a new account of the interest rate linked rechargeable prepaid card concept according to an embodiment of the present invention.

6 is a view showing an information providing process for processing a new account of the interest rate interlocking rechargeable prepaid card concept according to another embodiment of the present invention.

7 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a customer terminal according to an embodiment of the present invention.

8 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server according to an exemplary embodiment of the present invention using a symmetric key (or secret key) method.

9 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server according to an embodiment of the present invention using a public key infrastructure.

11 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal according to an embodiment of the present invention.

12 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server according to an exemplary embodiment of the present invention by an electronic envelope method.

FIG. 13 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal according to an embodiment of the present invention.

14 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server according to an embodiment of the present invention by a key exchange method.

FIG. 15 is a diagram illustrating a process of processing a bank account as an interest rate linked prepaid card according to an embodiment of the present invention.

FIG. 16 is a diagram illustrating a process of operating a new account processed by an interest rate linked rechargeable prepaid card according to one embodiment of the present invention.

FIG. 17 is a diagram illustrating a process of operating a new account processed by an interest rate linked rechargeable prepaid card according to another embodiment of the present invention.

FIG. 18 is a diagram illustrating a process of operating a new account processed by an interest rate linked prepaid card according to another embodiment of the present invention.

19 is a view showing a real name verification process for the new accounts accounted for interest rate-linked rechargeable prepaid card according to an embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: customer terminal 145: wired terminal

150: wireless terminal 155: information processing server

160: new account processing unit 165: real name confirmation unit

170: new provision management unit 175: prepaid card processing unit

180: new provisions opening section 185: information receiving section

400: DBMS 405: Ledger D / B

410: database

The present invention provides a new opening means for opening an account without a real name verification online, and the deposit transaction for the account is applied to the ledger to be treated as a prepaid card charging transaction, the withdrawal transaction for the account prepaid card Apply to the ledger to be processed as a payment transaction, apply the amount deposited in the account to the ledger to be treated as a prepaid card charge, apply the password for the account to the ledger to be treated as a prepaid card password, A prepaid card processing means for applying an interest rate to the prepaid card linked interest rate and a prepaid card payment method for prepayment card recharging method when the deposit transaction for the account is processed; Prepaid card operating system including new management means for managing withdrawal transactions It relates.

Financial accounts established at certain financial institutions for at least one financial transaction under the Real-name Financial Transactions and Confidentiality Act and Presidential Decree (Presidential Decree No. 15744) shall be subject to the financial transaction customer real-name verification procedure as prescribed by the Act. Must pass through and not violate it.

However, the real name verification process of a financial transaction customer prescribed by the law is limited to the real name verification process through face-to-face and the non-face-to-face name verification process using an accredited certificate. It may be done in person by visiting the counter of the institution, and / or if the customer is an internet banking member of the financial institution, it may be limited only through an accredited certificate issued for the internet banking.

That is, the law requires a financial institution to visit the customer at a window of the financial institution to open a financial account, such as a financial product sale, and / or sell the financial product only to a conventional customer of the financial institution. It includes a difficult problem that can only be done.

It is an object of the present invention to apply a new opening means for opening an account as a new online without real name verification, and apply the deposit transaction for the account to the ledger to be treated as a prepaid card recharge transaction, and withdrawal transaction for the account. Apply to the ledger to be processed as a prepaid card payment transaction, apply the amount deposited in the account to the ledger to be treated as the prepaid card charge amount, apply the password for the account to the ledger to be treated as a prepaid card password, and the account Prepaid card processing means for applying the interest rate to the prepaid card linked rate to be processed at the prepaid card, and manages the deposit transaction to be processed by prepaid card charging method for the deposit transaction on the account, and prepaid card at the withdrawal transaction for the account. Prepaid card management, including new management means, to manage withdrawal transactions as a payment method In providing a system.

The prepaid card operating system according to the present invention is a pseudonym opening means for opening an account as a novelty without real name verification through online, and applying the deposit transaction for the account to the ledger to be treated as a prepaid card charging transaction, the account Apply a withdrawal transaction for the ledger to be processed as a prepaid card payment transaction, apply the amount deposited in the account to the ledger to be treated as a prepaid card charge amount, and apply the password for the account to the ledger to be treated as a prepaid card password. And prepaid card processing means for applying the interest rate for the account to the prepaid card interlocked interest rate, and managing the deposit transaction to be processed by a prepaid card charging method when depositing the account. In the case of withdrawal transaction, a new management means for managing the withdrawal transaction is processed by the prepaid card settlement method. It should.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It's just

1 is a view showing a novel processing system of the interest rate interlocking rechargeable prepaid card concept according to an embodiment of the present invention.

In more detail, Figure 1 shows a financial product application information for processing a new account of the interest rate-linked rechargeable prepaid card concept according to the present invention from the predetermined customer terminal 140 to the web server 100 through a predetermined network means. If so, the web server 100 provides the financial product application information provided from the customer terminal 140 to the information processing server 155 provided in a predetermined financial institution, whereby the information processing server 155 provides the financial information. The present invention relates to a system for processing a financial account corresponding to the product application information as a new provision and processing the provisional account as a prepaid card, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. While reference may be made to and / or modified to infer various implementation methods for the construction of a novel processing system of an interest rate linked prepaid card concept, the present invention is inferred from the above. Includes all implementation methods and is not limited to the implementation method illustrated in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the novelty processing system of the interest rate-linked rechargeable prepaid card concept according to the present invention includes at least one customer terminal that registers at least one financial product online. 140 is connected to the customer terminal 140 through a predetermined network means to receive predetermined financial product application information from the customer terminal 140, and transmit the received financial product application information to a predetermined financial institution. Web server 100 provided to the provided information processing server 155, the web server 100 is connected through a predetermined interface means to receive the financial product application information from the web server 100, An information processing server 155 for processing a financial product corresponding to the financial product application information under a new name based on the received financial product application information under a new provision; It is equipped with a financial system for operating a financial product processed as.

According to another embodiment of the present invention, the information processing server 155 is connected to the customer terminal 140 through the predetermined network means from the customer terminal 140, the predetermined financial product from the customer terminal 140 The web server 100 may receive the application information and process the financial product corresponding to the financial product application information under the name of the customer based on the received financial product application information. It is not limited.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as credits or receptions or trusts or foreign exchanges occurring at branches (or counters); an information system that processes headquarters operations, branch office information support and customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744) In this case, it is effectively processed.

According to the implementation method of the present invention, the financial system is in accordance with the intention of the person skilled in the art and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. Accordingly, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), and the present invention is conventional. Those skilled in the art will be familiar with the technical details of the financial system, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to an embodiment of the present invention, the financial system provided in the financial institution may include at least one window terminal and a predetermined financial network (eg, a branch network) provided at branches (and / or branch offices) of the financial institution. It is characterized in that connected through, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

The financial system may also include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or at least affiliated with the financial institution. At least one financial terminal provided at one or more other financial institutions (and / or other financial institution branches), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network) It is characterized in that connected through, through the financial terminal provides a non-face-to-face financial transaction service for at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based WLAN, connected to a TCP / IP-based backbone network through the Internet banking server, And / or at least one client terminal (e.g., a personal computer (PC) equipped with the wired Internet access and browsing function) and / or a laptop connected to the IEEE 802.16x-based portable Internet, etc., the wireless LAN / portable Internet A non-face-to-face financial transaction service is provided to at least one or more financial transaction customers through a laptop and / or mobile terminal equipped with access and browsing functions.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 150 (eg, a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network through the IC chip-based wireless banking server) And / or at least one wireless terminal 150 (e.g., wireless terminal 150 equipped with a financial IC chip) connected to the IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice telephone network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS and / or GSM terminal) connected to a fixed line communication terminal (e.g., a telephone) and / or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) And / or a smartphone or the like) to provide a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network, etc.) connected to a predetermined home network through the home banking server ) Provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

According to the present invention, a customer who wants to register a predetermined financial product online through a wire, is a customer of at least one or more of the wired terminal 145 connected to the predetermined wired communication network and / or the wireless terminal 150 connected to the predetermined wireless communication network The web server 100 is accessed through the terminal 140 and various application services provided by the web server 100 are provided.

Here, the wired terminal 145 connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 150 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the web server 100 is at least one or more information / to the customer terminal 140 including at least one of the wired terminal 145 and / or wireless terminal 150 via the wired communication network and / or wireless communication network. A portal server that provides a search service including content, and / or a personalization service including a mini homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services; and / Or preferably comprises a search server.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 140 is sold to (or requested to be opened) to at least one or more customers online by the financial institution. Characterized in that it comprises the financial product information.

In addition, the web server 100 has at least one user interface for the customer to purchase (or apply for a financial product) through the network means including the wired communication network and / or wireless communication network to the customer terminal Characterized in that provided in (140), the customer terminal 140 inputs (or selects) the financial product application information for processing a new account of the interest rate-linked rechargeable prepaid card concept according to the present invention through the user interface ) To the web server 100 through a network means including the wired communication network and / or the wireless communication network.

To this end, the client terminal 140 outputs at least one or more user interfaces provided from the web server 100, and inputs and / or selects at least one financial product application information through the user interface to the web server. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one financial product application information through the user interface. Since the features of the customer terminal 140 corresponding to at least one or more wired terminal 145 and / or wireless terminal 150 to select and transmit to the web server 100 can be easily inferred, Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the customer terminal 140 through the network means.

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal 145 and / or a wireless terminal 150 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 ) Connects a predetermined communication channel with the customer terminal 140 based on a protocol stack defined in the wired network and / or wireless network, and the communication protocol defined in the communication program provided in the customer terminal 140. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 140, the interface unit 105 is connected to the client terminal 140 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 140 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the customer terminal 140 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal 150 connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless network. Connecting a predetermined communication channel with the customer terminal 140 and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal 140. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 140, the interface unit 105 is based on the CDMA protocol. And a communication channel, and a web page (e.g., a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information transmission and reception using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Referring to FIG. 1, when the predetermined client terminal 140 accesses the web server 100 through the interface unit 105, the web server 100 works in conjunction with the interface unit 105. The user terminal 140 generates a predetermined user interface (or extracts it from a predetermined web source D / B (not shown)) for the terminal 140 to input (or select) and transmit predetermined financial product application information. Information for receiving predetermined financial product application information input (or selected) transmitted by the customer terminal 140 through the user interface in conjunction with the interface providing unit 110 and the interface unit 105 to provide a; And a receiving unit 120 and an information relay unit 130 for providing the received financial product application information to an information processing server 155 provided in a financial institution through a predetermined interface means.

In addition, the web server 100 is interlocked with the interface unit 105 to at least one or more customer terminals 140, the search service including at least one or more information / content, and / or personalization including a mini homepage / blog And a web service unit 115 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art to which the invention pertains, the web server 100 provides the web-based service to at least one or more customer terminals 140 to perform the functions of the portal server and / or search server Since you will be familiar with the method, a detailed description thereof will be omitted.

In addition, the web server 100 stores information for storing the received financial product application information in a predetermined storage medium 135 for the post management of the financial product application information received through the information receiving unit 120. It is preferable that the part 125 is further provided.

The interface providing unit 110, when a predetermined customer terminal 140 is connected to the web server 100 through the interface unit 105, the financial corresponding to the functional configuration provided in the customer terminal 140 Input (or select) product application information to generate a predetermined user interface which can be transmitted to the web server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit In connection with 105, the user interface 140 generated (or extracted from a predetermined web source D / B (not shown)) is provided to the customer terminal 140 through the network means.

Thereafter, the client terminal 140 inputs (or selects) the financial product application information based on the user interface, and inputs the input (or selected) financial product application information through the network means to the web server 100. To send).

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wired terminal 145 and / or a wireless terminal 150 connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 110 generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program included in the customer terminal 140, and the interface unit It is preferable to provide the user terminal 140 with the user interface generated through the 105 (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal 150 connected to a predetermined wireless communication network, the interface providing unit 110 is provided in the customer terminal 140. A predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program, and the generated (or predetermined web) through the interface unit 105. It is preferable to provide the user interface 140 with the user interface extracted from the source D / B (not shown).

According to an embodiment of the present invention, a user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 140 may include the customer among a plurality of financial products. An interface for selecting at least one financial instrument to purchase (or apply for), and output financial instrument details such as investment duration and expected return on the instrument and confirming that the customer confirmed the financial instrument detail information. An interface for outputting the terms and conditions information corresponding to the financial instrument and agreeing with the terms and conditions, an interface for inputting the amount that the customer will invest (or deposit) in the financial instrument; And at least one interface for inputting (or selecting) customer information about the investing customer. It is preferable to make it.

Accordingly, the customer terminal 140 selects at least one financial product to be purchased (or applied) by the customer from the plurality of financial products through the user interface, and financial product selection information corresponding to the financial product. Input (or select) the product agreement agreement information, the financial product investment amount information, and the financial product application information including at least one of the customer information and transmit the information to the web server 100 through the network means.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 140 may include a financial information such as a password for a financial account corresponding to the financial product. Preferably, the device further comprises an interface for inputting product security information. When the financial product application information is further included in the financial product application information, the financial product application information is encrypted using a predetermined encryption method so that the web server ( 100).

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal 140, the financial product application through the web server 100 is financed Until the real name is confirmed, it is preferable to include the interface that outputs the provisions of the provisions of the provisions provisional information and the provisions of the provisional processing period to specify that the processing is a provisional provision and confirms that the customer has consented to the provisional provisions, When the terms and conditions information and the provisional processing period information is included in the terms and conditions information corresponding to the financial product, the interface that the customer agrees to the provisional processing can be omitted, thereby the present invention is not limited.

If the web server 100 provides the user terminal 140 with the user interface agreeing with the pseudonym processing, the client terminal 140 processes the information and the pseudonym agreement information through the user interface. Input (or select) the provision of new provisions including period information to the web server 100 through the network means, and the user interface agreeing to the provisions of the provisions according to the intention of the person skilled in the art applied for the financial products When included in the interface, the client terminal 140 inputs (or selects) the provisional application information through the financial product application interface and transmits the information to the web server 100 through the network means.

In addition, when the customer applying for the financial product is not a conventional financial transaction member for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution. Or / or the financial product requesting customer has no history of financial transactions with the financial institution), and inputs predetermined financial product application information from the customer terminal 140 in the web server 100 ( Or optionally) the user interface provided for receiving, preferably comprises an interface for outputting the financial transaction application terms and conditions for processing the financial transaction with the financial institution and confirming that the customer agrees to the financial transaction application terms. The financial transaction application terms and conditions are included in the terms and conditions information corresponding to the financial instrument, and / or When the financial transaction application is processed in the real name verification process for the financial product, the interface for the customer to apply for a financial transaction with the financial institution can be omitted, whereby the present invention is not limited.

If the user interface for the financial transaction application is provided from the web server 100 to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the user interface. When the user interface for the financial transaction application is included in the financial product application interface according to the intention of the person skilled in the art, the customer terminal 140 is the financial product The financial transaction application information is input (or selected) through the application interface and transmitted to the web server 100 through the network means.

In addition, the customer applying for the financial product is not a member of a conventional financial transaction for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution). Or / or an Internet banking member of a financial institution whose customer applies for the financial instrument, and / or the customer applying for the financial instrument corresponds to the financial instrument. If not, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the client terminal 140 is based on the financial institution and the Internet banking system. Printed out the Internet banking subscription terms and conditions for processing financial transactions, and agreed to the internet banking subscription terms. It is preferable to include an interface for confirming the sound, the Internet banking subscription terms are included in the terms and conditions information corresponding to the financial product, and / or the financial transaction application is processed in the real name verification process for the financial product In this case, the interface for the customer to apply for a financial transaction based on the Internet banking system with the financial institution may be omitted, and the present invention is not limited thereto.

If a user interface for the internet banking subscription request is provided from the web server 100 to the customer terminal 140, the customer terminal 140 inputs the internet banking subscription request information through the user interface (or Selects and transmits to the web server 100 through the network means. When the user interface for the internet banking subscription application is included in the financial product application interface according to the intention of a person skilled in the art, the customer terminal 140 The Internet banking subscription application information is input (or selected) through the financial product application interface and transmitted to the web server 100 through the network means.

Here, the Internet banking subscription application information may further comprise Internet banking registration information for the customer to process the financial transaction through the Internet banking system for the financial products that the customer applies through the web server 100. .

When the information receiving unit 120 inputs (or selects) predetermined financial product application information through the user interface from the customer terminal 140 and transmits it through the network means, the information receiving unit 120 interworks with the interface unit 105. And receiving the financial product application information, and the received financial product application information is provided to the information relay unit 130 and / or the information storage unit 125.

Herein, the financial product application information includes financial product selection information for selecting at least one financial product to be purchased (or applied) by the customer among the plurality of financial products, financial product terms and conditions agreement information corresponding to the financial product, and Preferably, the financial product investment amount information and at least one customer information are included.

According to one embodiment of the invention, the financial product application information is preferably made further comprises the provisional application information, and / or preferably further comprises the financial transaction application information, and / or the Internet It is preferable to further include banking subscription application information.

According to another exemplary embodiment of the present invention, the information receiver 120 may further receive predetermined provisional application information corresponding to the provisional application interface provided to the customer terminal 140 in addition to the financial product application information. And / or further receive predetermined financial transaction application information corresponding to the financial transaction application interface provided to the client terminal 140, and / or an internet banking subscription application interface provided to the client terminal 140. It is preferable to further receive the predetermined Internet banking subscription application information corresponding to the.

The information storage unit 125 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) ) Is stored in a predetermined storage medium 135, whereby the web server 100 (or web server 100 operating institution) is the financial product application information stored in the storage medium 135 On the basis of this, the financial institution provides a basis for receiving a fee for attracting customers to apply for the financial product.

The information relay unit 130 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) ) Is relayed and transmitted to the information processing server 155 provided in a financial institution corresponding to the financial product (for example, the web server 100 is requested to attract a financial product application customer) through a predetermined interface means. It is done.

Here, the interface means for connecting the web server 100 and the information processing server 155 may be a dedicated communication network that blocks access by a third party other than the web server 100 and the information processing server 155, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 155 (eg, the financial product application information (and / or financial product trail application information, and / or in the web server 100) Financial transaction application information, and / or Internet banking subscription application information) by encrypting the data using a predetermined encryption method and transmitting the same to the information processing server 155, and the information processing server 155 performs a decryption method corresponding to the encryption method. And a network for decrypting the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) through Preferable.

According to another exemplary embodiment of the present invention, when the information processing server 155 is provided with a web server 100 function and / or the information processing server 155 is an internet banking server, the information relay 130 ) Connects the customer terminal 140 and the information processing server 155 to relay and connects the financial product application information (and / or financial product trail) from the information processing server 155 to the customer terminal 140. Relay application information, and / or financial transaction application information, and / or internet banking subscription application information), so that the information processing server 155 can be relayed directly. Direct the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) from the client terminal 140 through It is possible to receive by contact, thereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 100 and the information processing server 155 relays at least one web server 100 and the information processing server 155, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 155 and / or relays the at least one web server 100 and the at least one information processing server 155. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 155 is connected to a predetermined financial system and an information receiver 120 for receiving the financial product application information provided from the web server 100 through the interface means. Interest rate interlocking unit 180 to open a financial account corresponding to the financial product corresponding to the financial product application information received through the information receiving unit 120 as a new provision, and the interest rate linked type The prepaid card processing unit 175 to process the rechargeable prepaid card, the new provision management unit 170 for managing the interest-linked prepaid rechargeable prepaid card concept until the real name confirmation for the customer applying for the financial product, and the financial product A real name verification unit 165 for confirming whether a real name of the customer of the financial transaction application for the financial account opened as a new account in response to the application information is confirmed within a predetermined real name verification period; In response to the financial product application information, when the real name of the financial account opened as a new provision is confirmed, the new account processing unit 160 for processing the financial account opened as a new financial account is provided with It features.

The information receiver 120 receives financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription) provided from the web server 100 through the interface means. Application information), and the received financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). Provided to the establishment unit 180.

According to one embodiment of the present invention, financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) provided from the web server 100 is When encrypted, the information receiving unit 120 decrypts the encrypted financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information). It is preferable to further comprise.

The provisional establishment section 180 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / from the web server 100 through the information receiving unit 120, and / Or, if the banking subscription application information is provided, read the financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information). A financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) is newly opened through the financial system. It is done.

Here, the provisional opening unit 180 is a financial account corresponding to the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information) The provision of new provisions may include applying the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application) to the ledger D / B provided on the financial system. Registering a predetermined ledger (which may be omitted if the ledger is already registered) and / or at least one pseudo ledger (eg, a ledger corresponding to the financial instrument application information) corresponding to the information; Characterized in that made.

According to an embodiment of the present invention, the provisional ledger for the new provisional account corresponding to the financial product application information, the ledger in the form of an account ledger corresponding to a newly opened financial account based on the financial product application information It is preferable to register with D / B and store predetermined provisional information for managing the provisional account in association with the provisional director.

According to another exemplary embodiment of the present invention, the provisional ledger for the new provisional account corresponding to the financial product application information is based on the account ledger corresponding to the virtual account associated with a predetermined parent account based on the financial product application information. It is preferable to be registered in the general ledger D / B, wherein the mother account is the ledger D on the financial system to register the customer financial account, or the new account already opened in the ledger D / B on the financial system It is possible to include at least one or more of the above-mentioned financial institution accounts already established in / B, and the present invention is not limited thereby.

The provisional account corresponding to the registered provisional director is not a real name financial account corresponding to the Financial Real Name Transaction and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, the non-real name financial account Financial transactions are a violation of the above laws.

However, it is possible to deposit a predetermined amount of investment (or deposit amount) into the provisional account under the Financial Real Name Transaction and Confidentiality Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

That is, the new provision establishment unit 180 is the financial product application information (and / or financial product provision new application information, and / or financial transaction application information, and / or Internet banking received through the web server 100) On the basis of the subscription application information, a procedure for opening a predetermined temporary account corresponding to the financial product (for example, registering a predetermined ledger) in connection with the external system and / or the information system provided in the financial system. Procedure) and provide the result to the prepaid card processing unit 175.

Those skilled in the art to which the present invention pertains, the hook establishment (180) in conjunction with the financial system to open a predetermined hidden account corresponding to the financial product (for example, a predetermined trail Since you will be familiar with the detailed procedure for registering the Governor, detailed descriptions thereof will be omitted for convenience.

The prepaid card processing unit 175 is characterized in that the processing of the new account (or the new director of the Gaesyu) opened by the new opening establishment unit 180 to the interest rate-linked rechargeable prepaid card, wherein the interest rate linked Rechargeable prepaid card is characterized in that it is possible to withdraw a predetermined deposit amount (or charge amount) without violating the Financial Real Name Transaction and Confidentiality Act and Presidential Decree (Presidential Decree No. 15744).

According to an exemplary embodiment of the present invention, the prepaid card processing unit 175 is established by the novelty opening unit 180 by replacing the account ledger information included in the new ledger with interest rate-linked rechargeable prepaid card information. It is preferable to process the above-mentioned provisional account (or provisional ledger) with an interest rate linked prepaid card.

For example, the prepaid card processing unit 175 replaces the account number included in the ledger with the predetermined prepaid card number, and replaces the product type with "interest rate-type rechargeable prepaid card" goods, prepaid the account interest rate By replacing the card-linked interest rate, the account password by the PIN (Personal Identification Number) for the interest rate-linked rechargeable prepaid card, and by replacing the account balance with the interest rate-linked rechargeable prepaid card charge amount, It is preferable to treat the above-mentioned provisional account (or provisional ledger) established by 180 as an interest rate-linked rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 175 is established by the hook new establishment unit 180 by linking the predetermined interest rate interlocking chargeable prepaid card information in relation to the ledger. It is preferable to process the above-mentioned provisional account (or provisional ledger) with an interest rate linked prepaid card.

For example, the prepaid card processing unit 175 deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid. By linking and storing interest rate interlocking rechargeable prepaid card information including a card PIN, the provisional account (or provisional ledger) opened by the provisional opening unit 180 is processed as an interest rate interlocking rechargeable prepaid card. It is desirable to.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 175 stores the predetermined interest rate-linked rechargeable prepaid card information in a predetermined database linked to the registered ledger D / B. It is preferable to process the Gasingyu account (or Gashingyu Ledger) opened by the Gasingyu opening unit 180 with an interest rate linked prepaid card.

For example, the prepaid card processing unit 175 deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid. By storing the interest rate interlocking rechargeable prepaid card information including the card PIN in a predetermined database linked to the ledger D / B registered with the head of the director, the provision of a new account opened by the provision of the provisional opening 180 (Or Gae Gyu Gyu, president) is preferably treated as a rate prepaid rechargeable prepaid card.

Thereafter, the new provision management unit 170 is characterized in that the operation of the new provision account established as the new provision to process the interest rate interlocking rechargeable prepaid card until the real name confirmation for the financial product application customers.

According to the method of the present invention, when the new provision management unit 170 deposits a predetermined amount (or an account transfer) to the new regulation account through the financial system, the interest rate interlocking rechargeable prepaid card It is characterized by processing by filling in.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the hidden regulation account, the new provision management unit 170 uses the amount charged to the interest rate-linked rechargeable prepaid card It is characterized by processing by doing.

In addition, when interest is calculated for an amount deposited in the hidden account (or charged in the interest rate linked prepaid card) through the financial system, the hidden provision management unit 170 calculates the interest rate. It is characterized in that the charge to the rechargeable type prepaid card.

As described above, by processing a new account with a interest rate interlocking rechargeable prepaid card, the new provision management unit 170, the law and concurrent orders on financial real name transactions and confidentiality until the name of the new account is verified (President No. 15744) To prevent violations.

The real name verification unit 165 is the law on the financial real name transaction and confidentiality while the new account opened by the new provision opening unit 180 is managed by the new provision management unit 170, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized in that whether the real name of the customer applying for the financial product is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name confirmation unit 165 may request the financial product application customer for the financial account corresponding to the financial product through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to confirm that the real name is confirmed.

According to another exemplary embodiment of the present invention, the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is an Internet banking customer corresponding to the financial institution (for example, the financial In the case where the institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 165 performs a finance corresponding to the financial product through a certificate-based real name verification procedure defined in the Internet banking system. It is desirable to verify that the real name of the customer applying for the financial product for the account is confirmed.

According to another exemplary embodiment of the present invention, when the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 165 is required to respond to the financial product through a certificate-based real name verification process defined in the wireless banking system. It is desirable to verify that the real name of the customer applying for the financial product for the financial account is confirmed.

According to another embodiment of the present invention, the customer applying for the financial product is a conventional financial transaction customer for the financial institution, and the customer applying for the financial product corresponds to the financial institution, and / or home banking, and / or Or if the TV banking customer (for example, the financial institution has implemented a real name verification process for the customer applying for the financial product), the real name verification unit 165 is based on the accredited certificate defined in the wireless banking system It is possible to confirm whether the real name of the customer applying for the financial product for the financial account corresponding to the financial product is confirmed through the real name verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 165 is provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request that the customer apply for the financial product using the telemarketing function to perform a real name verification procedure for the financial account corresponding to the financial product.

Alternatively, the real name verification unit 165 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request the customer to apply for the financial product using the real name verification process for the financial account corresponding to the financial product by using.

Alternatively, when the financial product application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 165 checks the real name for the financial product application customer within a predetermined real name verification period, the financial A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or a real name for a financial account corresponding to a financial instrument to the customer applying for the financial instrument in connection with the financial transaction system during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction. It is desirable to request that the verification process be performed.

If the real name of the customer applying for financial products is confirmed within a predetermined real name confirmation period, the real name confirmation unit 165 generates real name identification information for the customer applying for the financial product and provides the new account processing unit 160 to the new account processing unit 160. do.

Alternatively, when the real name of the customer applying for the financial product is confirmed within the predetermined real name confirmation period, the real name confirmation unit 165 generates unidentified name information of the customer applying for the financial product and generates the new account processor 160. To provide.

When real name verification information is provided from the real name confirmation unit 165 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processing unit 160 is connected with the financial system. It is characterized by treating the financial account corresponding to the financial product processed by the provisional provision opening unit 180 and / or provisional provision management unit 170 as a provisional new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 165 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processor 160 The financial account processed by the provisional opening unit 180 and / or provisional new management unit 170 to the financial product in association with the external system and / or information system provided in the financial system corresponding to the financial product It is desirable to treat all financial transactions as valid new financial accounts.

According to one embodiment of the present invention, when a lock is set such that an amount deposited in a financial account opened in correspondence with the financial product is not withdrawn by any financial transaction until the real name of the financial account is confirmed, the new account The processing unit 160 may release the lock on the financial account corresponding to the financial product in connection with the external system and / or information system provided in the financial system. Is processed into a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing new provisions corresponding to the financial product, such that the amount deposited into the financial account opened in correspondence with the financial product is determined by the financial account. When transferred to a predetermined virtual account provided with a withdrawal prevention function, the new account processing unit 160 is the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information system provided in the financial system It is preferable to convert (or re-transfer) to a financial account corresponding to the financial instrument, and / or to remove (or erase) the withdrawal prevention virtual account, whereby the financial account processed with the provisions is All financial transactions corresponding to financial instruments are treated as valid new financial accounts.

According to another exemplary embodiment of the present invention, the financial system is provided with a new account processing mother account for a financial account corresponding to the financial product, and a financial account opened in correspondence with the financial product is used for the new bank processing. When a predetermined amount is deposited (or deposited) into a financial account processed as a virtual account equipped with a withdrawal prevention function by being processed as a virtual account having a withdrawal prevention function associated with a mother account, the new account processing unit 160 Cancels the withdrawal prevention function of the financial account processed as the virtual account provided with the withdrawal prevention function in connection with the external system and / or information system provided in the financial system, and the virtual account associated with the parent account processing system It is preferable to provide (or delete) a function to process the financial account corresponding to the financial product, whereby the financial account processed as the provisional provision is Is treated as a group all financial transactions to possible valid new financial account corresponding to the financial instruments.

According to the method of the present invention, the new account processing unit 160 corresponds to the financial product in processing the financial account corresponding to the financial product as a valid new financial account capable of all financial transactions corresponding to the financial product. The financial receiver application date (or financial product investment start date) is the financial receiver application information (and / or financial product new application information, and / or financial transaction application) from the web server 100 Information and / or Internet banking subscription request information), or the date when the provisional opening unit 180 establishes a financial account corresponding to the financial product on the financial system as a provisional provision. It is desirable to apply retrospectively on a date.

FIG. 2 is a diagram illustrating the structure of information on the ledgers for trailing rules of the interest rate-linked rechargeable prepaid card concept according to an embodiment of the present invention.

In more detail, Figure 2 is a registered trail for the processing of the novelty of the interest rate-linked rechargeable prepaid card concept in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 As shown in the information structure for the ledger, by specifically replacing the account ledger information contained in the Gasin Gyu Ledger registered in the ledger D / B with the interest rate-linked rechargeable prepaid card information, the Ga Gyu Gyu corresponding to the Governor It relates to a method of processing an account with an interest rate linked prepaid card.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to prescribe certain trails for processing trails of the interest rate interlocking rechargeable prepaid card concept in the ledger D / B. It will be able to infer a variety of information configuration method for, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 2 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

According to the invention, the ledger is registered in the form of account ledger linked to the customer ledger in relation to the ledger, the ledger in the form of account ledger is account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic receipt information including at least one, period (days), period extension, maturity date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to the present invention, the provisional opening section 180 and / or provisional management section 170 of the information processing server 155 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system. Generating predetermined false transaction information including an account number (or prepaid card number), a false provisional establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit for the pseudonym account; Characterized in that the processing information stored in association with the additional information corresponding to the head of the new regulation.

The account number (or prepaid card number) of the new provision processing information is information for linking and processing the new provision processing information with a new provision account corresponding to the financial product. It includes a new account number (or interest rate linked prepaid card number) corresponding to.

In addition, the provisional date of the provisional provision of the provisional processing information is the date when the provisional account corresponding to the financial instrument was opened on the ledger D / B, and the customer applying for the financial instrument corresponding to the financial instrument processed with the provisional provision If the real name of is identified, the financial instrument corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for the financial products for the false information account corresponding to the financial product within the expiration date of the real name verification It must be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date When a problem arises in that it is difficult to verify the real name of the customer applying for the financial product for the new account corresponding to the financial product, and / or when the information on the new provision includes the automatic extension of the term for the expiration of the real name verification; Even after the real name verification expiration date, the real name of the customer applying for the financial product for the new account corresponding to the financial product is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the financial product when a predetermined amount is deposited into the new provision account before the real name of the customer applying for the financial product for the new provision account corresponding to the financial product is confirmed; As the amount of money information deposited in a new account corresponding to, the real name verification deposit is matched with the balance of the account of the director (eg, the interest rate linked prepaid card charge amount).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the provisional regulation (not shown), and / or other ledgers other than the provisional regulation (e.g., , And may be stored in the form of additional information added to the customer ledger, and / or in the form of information included in other ledgers (for example, the customer ledger) other than the provisional ledger, whereby the present invention is not limited thereto.

Referring to FIG. 2, the prepaid card processing unit 175 of the information processing server 155 shown in FIG. 1 links interest rates to the director of the Gae Gyu Gyu in connection with the external system and / or information system provided in the financial system. In order to be processed as a rechargeable prepaid card, the account number included in the ledger is replaced with a predetermined prepaid card number, and the product type is replaced with a "interest rate linked prepaid card" product, and the account interest rate is prepaid card. It is replaced with a linked interest rate, the account password is replaced with a PIN (Personal Identification Number) for the interest rate linked rechargeable prepaid card, and the account balance is replaced with the interest rate linked rechargeable prepaid card amount.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the hidden account until the customer confirms the real name of the hidden account, the prepaid card number system of a financial institution equipped with the financial system It is preferably made, including, it is preferable that after the real name confirmation is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type is preferably made of information to confirm that the new account is not a conventional financial account, but the "interest rate interlocking rechargeable prepaid card" product according to the present invention, the real name processing after confirming the real name It is preferable to reduce the product type of the new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate linked prepaid recharge card (= new account), it is preferably reduced to the balance of the new financial account processed the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the interest rate interlocked rechargeable prepaid card according to the interest rate of the pseudonew account. After the treatment, it is preferable to reduce the interest rate of the new financial account processed by the real name.

In addition, the prepaid card PIN is a password defined for at least one or more financial transactions through the pseudo-new account until the customer confirms the real name of the new account, the account password of the new financial account processed after real name verification It is preferred to be reduced.

FIG. 3 is a diagram illustrating a structure of information of a general ledger for a new regulation of a interest rate-linked rechargeable prepaid card according to another embodiment of the present invention.

In more detail, Figure 3 is a registered trail for the processing of the novelty of the interest rate linked rechargeable prepaid card concept in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 As the information structure of the ledger is shown, specifically, by linking and storing a predetermined interest rate interlocking rechargeable prepaid card information in a relational ledger registered in the ledger D / B, the trail corresponding to the ledger It relates to a method of processing an account with an interest rate linked prepaid card.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 3 to prescribe certain trails for the novelty processing of the interest rate-linked rechargeable prepaid card concept in the ledger D / B. It will be able to infer a variety of information configuration method for, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

According to the invention, the ledger is registered in the form of account ledger linked to the customer ledger in relation to the ledger, the ledger in the form of account ledger is account number, CIF number, point number, currency, opening date, status, product type, Interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance number, bank account number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unbooked It includes at least one transaction number, interest interest account accounting, whether or not a flat link, final payment interest, final payment transaction number, individual interest rate reference and final interest calculation date, etc. Periodic receipt information including at least one, period (days), period extension, maturity date and target amount, and / or account number, deposit amount, par value, pension date and Trust reception information including at least one drinking water, and / or account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number (Batch No.), It includes transaction details including at least one of a complex transaction, a date of settlement, a bank account line, a brief summary, and a CIF.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to the present invention, the provisional opening section 180 and / or provisional management section 170 of the information processing server 155 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system. Generating predetermined false transaction information including an account number (or prepaid card number), a false provisional establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit for the pseudonym account; Characterized in that the processing information stored in association with the additional information corresponding to the head of the new regulation.

The account number (or prepaid card number) of the new provision processing information is information for linking and processing the new provision processing information with a new provision account corresponding to the financial product. It includes a new account number (or interest rate linked prepaid card number) corresponding to.

In addition, the provisional date of the provisional provision of the provisional processing information is the date when the provisional account corresponding to the financial instrument was opened on the ledger D / B, and the customer applying for the financial instrument corresponding to the financial instrument processed with the provisional provision If the real name of is identified, the financial instrument corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for the financial products for the false information account corresponding to the financial product within the expiration date of the real name verification It must be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date When a problem arises in that it is difficult to verify the real name of the customer applying for the financial product for the new account corresponding to the financial product, and / or when the information on the new provision includes the automatic extension of the term for the expiration of the real name verification; Even after the real name verification expiration date, the real name of the customer applying for the financial product for the new account corresponding to the financial product is confirmed.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the financial product when a predetermined amount is deposited into the new provision account before the real name of the customer applying for the financial product for the new provision account corresponding to the financial product is confirmed; As the amount of money information deposited in a new account corresponding to, the real name verification deposit is matched with the balance of the account of the director (eg, the interest rate linked prepaid card charge amount).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the provisional regulation (not shown), and / or other ledgers other than the provisional regulation (e.g., , And may be stored in the form of additional information added to the customer ledger, and / or in the form of information included in other ledgers (for example, the customer ledger) other than the provisional ledger, whereby the present invention is not limited thereto.

Referring to FIG. 3, the prepaid card processing unit 175 of the information processing server 155 shown in FIG. 1 links interest rates to the ledger of the director, in association with external and / or information systems provided in the financial system. In order to process as a type of prepaid rechargeable card, account number, product type, interest rate, password, etc. contained in the Gasin Gyujang is deactivated, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card linkage Interest rate interlocking rechargeable prepaid card information, including interest rates and prepaid card PIN is characterized in that the processing is stored in association with the additional information of the director.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the hidden account until the customer confirms the real name of the hidden account, the prepaid card number system of a financial institution equipped with the financial system It is preferably made, including, it is preferable that after the real name confirmation is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type is preferably made of information to confirm that the new account is not a conventional financial account, but the "interest rate interlocking rechargeable prepaid card" product according to the present invention, the real name processing after confirming the real name It is preferable to reduce the product type of the new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate linked prepaid recharge card (= new account), it is preferably reduced to the balance of the new financial account processed the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the interest rate interlockable rechargeable prepaid card according to the interest rate of the new account. After the treatment, it is preferable to reduce the interest rate of the new financial account processed by the real name.

In addition, the prepaid card PIN is a password defined for at least one or more financial transactions through the pseudo-new account until the customer confirms the real name of the new account, the account password of the new financial account processed after real name verification It is preferred to be reduced.

Figure 4 is a diagram showing the configuration of the new provision processing information and the interest rate interlocking rechargeable prepaid card information for the new provision of the interest rate-linked rechargeable prepaid card concept according to another embodiment of the present invention.

In more detail, FIG. 4 shows the interest rate-linked rechargeable prepaid stored in a predetermined database 410 associated with a predetermined ledger D / B 405 provided in the DBMS 400 on the financial system shown in FIG. As shown in FIG. 4, the information structure for the new card processing information and the interest rate interlockable prepaid card information for the new card processing of the card concept is described. And / or may be modified to infer various information construction methods for storing the provisional transaction information and interest rate linked prepaid card information in a predetermined database 410 associated with the ledger D / B 405. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, this Figure 4 is not easy to store the information on the new transaction and / or interest rate linked prepaid rechargeable prepaid card in the ledger D / B 405 on the DBMS 400 provided on the financial system ( For example, it is not easy to change the ledger D / B 405 of the DBMS 400 due to the policy of the financial institution, or the system expansion is not easy due to the characteristics of the financial system). FIG. 1 illustrates an embodiment of storing the trailed transaction information and / or interest rate linked prepaid card information in a database 410 and interworking the database 410 and the ledger D / B.

Referring to Figure 4, the database 410 is characterized in that for storing the new provision processing information and / or interest rate interlocking rechargeable prepaid card information, the new provision processing information and / or interest rate interlocking rechargeable prepaid card information It is preferable that the CIF number corresponding to the ledger information is further included in the provisional processing information and / or interest rate-linked rechargeable prepaid card information to be linked to the ledger D / B 405.

In FIG. 4, the new provision processing information stored in the database 410 includes an account number for the financial account corresponding to the financial instrument, the establishment date of the new provision, the expiration date of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. Characterized in that comprises a.

The account number (or prepaid card number) of the new provision processing information is information for linking and processing the new provision processing information with a new provision account corresponding to the financial product. It includes a new account number (or interest rate linked prepaid card number) corresponding to.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date when a provisional new account corresponding to the financial instrument is opened on the ledger D / B 405 and corresponds to the financial instrument processed by the provisional provisional processing. When the real name of the customer applying for the product is confirmed, the financial product corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the customer applying for the financial products for the false information account corresponding to the financial product within the expiration date of the real name verification It must be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the financial product application customers If a problem arises in which it is difficult to verify the real name of the customer applying for the financial product to the new account corresponding to the financial product within a certain time period, and / or if the information on the new provision includes the automatic extension of the term for the expiration date of the real name verification, After the real name verification expiration date to confirm the real name of the customer applying for financial products for the new account corresponding to the financial product.

In general, it is preferable that the extension of the real name verification period is provided only once, and the extension period is further extended by a period corresponding to the real name verification period from the expiration date of the real name verification.

In addition, the deposit before the real name confirmation of the new provision processing information is the financial product when a predetermined amount is deposited into the new provision account before the real name of the customer applying for the financial product for the new provision account corresponding to the financial product is confirmed; As the amount of money information deposited in a new account corresponding to, the real name verification deposit is matched with the balance of the account of the director (eg, the interest rate linked prepaid card charge amount).

In FIG. 4, the interest rate linked prepaid card information stored in the database 410 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlocked interest rate, a prepaid card PIN, and the like. It features.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the hidden account until the customer confirms the real name of the hidden account, the prepaid card number system of a financial institution equipped with the financial system It is preferably made, including, it is preferable that after the real name confirmation is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type is preferably made of information to confirm that the new account is not a conventional financial account, but the "interest rate interlocking rechargeable prepaid card" product according to the present invention, the real name processing after confirming the real name It is preferable to reduce the product type of the new financial account.

In addition, the prepaid card charge amount is an amount charged in the interest rate linked prepaid recharge card (= new account), it is preferably reduced to the balance of the new financial account processed the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the interest rate interlockable rechargeable prepaid card according to the interest rate of the false new account. After that, it is preferably reduced to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for at least one or more financial transactions through the pseudo-new account until the customer confirms the real name of the new account, the account password of the new financial account processed after real name verification It is preferred to be reduced.

5 is a diagram illustrating an information providing process for processing a new account of the interest rate interlocking rechargeable prepaid card concept according to an embodiment of the present invention.

In more detail, when FIG. 5 provides a predetermined financial product application user interface from the web server 100 shown in FIG. 1 to the customer terminal 140, the user terminal 140 requests the financial product application user interface. Input (or select) predetermined financial product application information through the web server 100 through predetermined network means, and provide the financial product application information through the predetermined interface means in the web server 100. The process for providing to the information processing server 155 provided in the financial institution corresponding to the financial product, if the person skilled in the art to which the present invention belongs, reference and / or modified by It can be inferred from the customer terminal 140 to implement various methods of providing the financial product application information to the information processing server 155 through the web server 100, It said method comprises all of the embodiments in which the inference, not limited by the exemplary method shown in the figure 5.

For example, in FIG. 5, only the financial product application information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, the financial product application information, and / or financial transaction application information, in addition to the financial product application information in the customer terminal 140, and It may be inferred that the implementation method for providing the Internet banking subscription information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking in the customer terminal 140 It includes an implementation method for providing subscription application information, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 155 in the web server 100 The financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) is encrypted and transmitted, and the information processing server 155 transmits the financial product. While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 5, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the customer terminal 140 on the web-based service of the financial product according to the present invention online While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 140. Periodically check whether a predetermined financial product application user interface is requested for (510), if the financial product application interface is requested from the client terminal 140 (515), the web server 100 is the customer terminal Generate a predetermined financial product application user interface to be provided to 140 (or extract it from a predetermined web source D / B (not shown)) (520), and the financial product application user interface is passed through the network means. Provided to the terminal (525).

Thereafter, the customer terminal 140 inputs (or selects) predetermined financial product application information through the financial product application user interface (530), and the financial product application information is at least one to be purchased (or applied) by the customer. It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial product application information is input (or selected) as described above, the customer terminal 140 transmits the financial product application information to the web server 100 through the network means (535), the web server ( In operation 540, the financial product application information is received and stored in a predetermined storage medium 135.

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 155. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 155 through a predetermined interface means (545), and the information processing server 155 transmits the web through the interface means. The financial product application information provided from the server 100 is received (550).

6 is a view showing an information providing process for processing a new account of the interest rate interlocking rechargeable prepaid card concept according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product application user interface to the customer terminal 140, the user terminal 140 requests the financial product application user interface. Input (or select) and encrypt predetermined financial product application information through the web server 100 through a predetermined network means, and decrypt the financial product application information by the web server 100 through predetermined network means. The process for providing the financial product application information through the interface means to the information processing server 155 provided in the financial institution corresponding to the financial product, if the person of ordinary skill in the art 6 and / or modified to provide the financial product application information from the client terminal 140 to the information processing server 155 via the web server 100. Would be able to infer the various exemplary methods, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, only the financial product application information is provided from the client terminal 140 to the web server 100. However, the present invention is a person having ordinary knowledge in the technical field to which the present invention belongs. In response to the user interface provided by the web server 100 to the customer terminal 140, the financial product application information, and / or financial transaction application information, in addition to the financial product application information in the customer terminal 140, and / Or it may be inferred the implementation method for providing the Internet banking subscription application information, but the present invention is the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription in the customer terminal 140 It includes an implementation method for providing the application information, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 155 in the web server 100 The financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information) is encrypted and transmitted, and the information processing server 155 transmits the financial product. While it may be possible to infer an implementation method for decrypting application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information), the present invention may infer the implementation method inferred from the above. And the present invention is not limited thereto.

Referring to FIG. 6, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605). At this time, the web server 100 is provided to the customer terminal 140 on the web-based service of the financial product according to the present invention. While providing financial product information for attracting subscription, a predetermined financial product subscription application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the financial product subscription request user interface is subscribed online from the customer terminal 140. Periodically check whether a predetermined financial product application user interface is requested for the request (610), if the financial product application interface is requested from the customer terminal 140 (615), the web server 100 is a predetermined security Generate a predetermined financial product application user interface having a function (or extract it from a predetermined web source D / B (not shown)) (620), and transfer the financial product application user interface to the terminal through the network means; Provided (625).

Herein, the security function provided in the financial product application user interface may include a function of encrypting the financial product application information input (or selected) from the customer terminal 140 using a predetermined encryption method and / or the financial product application information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the financial product application user interface, wherein the security program is to encrypt the financial product application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include an official certificate having at least one encryption key for encrypting the financial product application information, thereby not limited to the present invention.

Thereafter, the customer terminal 140 inputs (or selects) predetermined financial product application information through the financial product application user interface (630), and the financial product application information is at least one to be purchased (or applied) by the customer. It is preferable to include at least one or more financial product selection information for selecting the financial product, financial product agreement agreement information corresponding to the financial product, the financial product investment amount information, and the customer information.

When the financial product application information is input (or selected) as described above, the customer terminal 140 encrypts the financial product application information according to a predetermined encryption method through a security function provided in the financial product application user interface ( And / or attach the electronic signature of the customer to the financial product application information) (635), and transmit the encrypted financial product application information to the web server 100 via the network means (640).

The web server 100 which has received the encrypted financial product application information through the network means decrypts the financial product application information by a decryption method corresponding to the encryption method (645), and the decrypted financial product application information. In operation 640, the storage device 410 stores the data in a predetermined storage medium 135.

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 155. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 155 through a predetermined interface means (645), and the information processing server 155 transmits the web through the interface means. The financial product application information provided from the server 100 is received (650).

7 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a symmetric key (or secret key) method in a client terminal 140 according to an embodiment of the present invention.

In more detail, Figure 7 relates to an implementation method of encrypting and transmitting the financial instrument application information in a symmetric key (or secret key) method in a customer terminal 140 having a predetermined encryption function. If there is a general knowledge in the field, various implementation methods for encrypting the financial instrument application information in a symmetric key (or secret key) method in the customer terminal 140 on the network means by referring to and / or modifying this figure 7 It may be inferred, but the present invention includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 7, the information encrypted through the symmetric key (or secret key) is referred to as "financial product application information" for convenience, and a security function (or security program) provided in the financial product application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 7 according to the embodiment of the present invention, the symmetric key (or secret key) is included in the security program corresponding to the security function provided in the financial product application interface, and / or included in the financial product application interface. Preferably, the symmetric key (or secret key) is in accordance with the intention of the person skilled in the art to a public certificate provided to the customer terminal 140 from a predetermined certification authority, and / or a predetermined public certificate provided in connection with the security program. In FIG. 7, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate for convenience, but the present invention is not limited thereto.

Referring to FIG. 7, when predetermined financial product application information is input (or selected) from the customer terminal 140 through the financial product application user interface 700, the security function unit is provided in the customer terminal 140. Read a predetermined symmetric key (or secret key) for encrypting the financial product application information from the authorized certificate (705), and encrypts the financial product application information through the read symmetric key (or secret key) (710) ).

Here, the encryption function of the security function is called E (Encryption), the symmetric key (or secret key) is k (key), the financial instrument application information P (Plaintext), and the symmetric key (or secret key) If the encrypted financial product application information is referred to as C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the symmetric key (or secret key) by the security function, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( It is preferable to include at least one or more of the International Data Encryption Algorithm, and various types of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

When the financial instrument application information is encrypted using the symmetric key (or secret key) as described above, the encrypted financial instrument application information is transmitted to the web server 100 through a communication protocol defined on the network means (715). ).

8 is a diagram illustrating a method for decrypting financial product application information encrypted and received by the web server 100 in a symmetric key (or secret key) manner according to an embodiment of the present invention.

In more detail, FIG. 8 illustrates an embodiment in which the financial product application information, which is encrypted and received from the customer terminal 140 having a predetermined encryption function, is decrypted by a predetermined web server 100 using a symmetric key (or secret key) method. As to a method, if one of ordinary skill in the art to which the present invention pertains, refer to and / or modify this figure 8 to mirror the encrypted financial instrument application information in the customer terminal 140 on the network means. It is possible to infer various implementation methods for decrypting in a (or secret key) manner, but the present invention includes all of the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 8 according to the embodiment of the present invention, the symmetric key (or secret key) is preferably read from the public certificate provided in the web server 100, the public certificate is the web server 100 and It is preferably stored in a predetermined database 410 (not shown) to cooperate with, and the present invention is not limited thereby.

Referring to FIG. 8, the information receiving unit 120 of the web server 100 receives the encrypted financial product application information through the network means (800), wherein the financial product application information is defined in the network means. It is preferably received via a communication protocol stack.

Thereafter, the information receiver 120 extracts a predetermined symmetric key (or secret key) for decrypting the encrypted financial product application information from the authorized certificate provided in the web server 100 (805), and extracts the extracted symmetric key (or secret key). The encrypted financial product application information is decrypted using the symmetric key (or secret key) (810).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the financial product application information encrypted with the symmetric key (or secret key) k (key) and the symmetric key (or secret key) C (Ciphertext) and the decrypted financial instrument application information is P (Plaintext), the function of the information receiving unit 120 decrypts the encrypted financial instrument application information is "Dk = P, or Dk (Ek (P )) = P ".

According to an embodiment of the present invention, the algorithm for decrypting the encrypted financial product application information through the symmetric key (or secret key) by the information receiver 120 may include SEED, DES (Data Encryption Standard), Triple-DES. Preferably, at least one of Skipjack, International Data Encryption Algorithm (IDEA), and various forms of decryption algorithms may be used, but the decryption algorithm is the encryption algorithm used in the client terminal 140. And the present invention is not limited by a specific decoding algorithm.

When the financial instrument application information encrypted through the symmetric key (or secret key) as described above is decrypted, the information receiver 120 provides the decrypted financial instrument application information to the information relay unit 130 (815). The information relay unit 130 provides the financial product application information to the information processing server 155 through a predetermined interface means.

9 is a diagram illustrating a method for encrypting and transmitting financial instrument application information in a public key infrastructure structure in a client terminal 140 according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates an implementation method of encrypting and transmitting the financial product application information in a public key infrastructure structure in a customer terminal 140 having a predetermined encryption function. With the knowledge of the above, various implementation methods for encrypting the financial instrument application information in a public key manner in the client terminal 140 on the network means may be inferred by referring to and / or modifying the present invention. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In FIG. 9, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 9 according to an embodiment of the present invention, the server-side public key is preferably included in a security program corresponding to a security function provided in the financial product application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 140, and / or a predetermined public certificate provided in association with the security program. In FIG. 9, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal 140, and the present invention is not limited thereto. .

Referring to FIG. 9, when predetermined financial product application information is input (or selected) through the financial product application user interface at the client terminal 140, the security function unit requests the financial product from the authorized certificate. The server-side public key for encrypting the information is extracted (905), and the financial product application information is encrypted (910) through the extracted server-side public key.

Herein, the encryption function of the security function is referred to as E (Encryption), the server-side public key is k1 (key), the financial product application information is P (Plaintext), and the financial product application information encrypted with the server-side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Ek1 (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information through the server-side public key, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie, Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH is preferably included at least one or more, and in addition to various encryption algorithms may be used, the present invention by a specific encryption algorithm It is not limited.

For example, in the case of encrypting the financial instrument application information through the RSA encryption algorithm, among the encryption algorithms, a public method (Modulus) used in the encryption process is n, and a prime number that is not disclosed by different prime factors of n is a. And b, if the published index (e.g., 3 or 216+) is e, and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a -1) (b-1) ", wherein the encryption function of the security function unit can be expressed as" C = Ek1 (P) = Pe mod n ".

When the financial instrument application information is encrypted through the server-side public key as described above, the encrypted financial instrument application information is transmitted to the web server 100 through a network component on the network means (915).

FIG. 10 is a diagram illustrating a method for decrypting financial product application information encrypted and received by a web server 100 according to an exemplary embodiment of the present invention using a public key infrastructure.

More specifically, FIG. 10 illustrates an embodiment of a method for decrypting the financial product application information encrypted and received from a customer terminal 140 having a predetermined encryption function in a predetermined web server 100 using a public key infrastructure. As one of ordinary skill in the art to which the present invention pertains, the financial instrument application information encrypted with the server-side public key is disclosed by the client terminal 140 on the network means by referring to and / or modifying the drawing 10. Although various implementation methods of decrypting with a key-based structure scheme may be inferred, the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In FIG. 10 according to the embodiment of the present invention, the server-side private key for decrypting the financial product application information encrypted with the server-side public key in a public key infrastructure scheme is obtained from the public certificate provided in the web server 100. Preferably, the public certificate is stored in a predetermined database 410 (not shown) interworking with the web server 100, and the present invention is not limited thereto.

Referring to FIG. 10, the information receiving unit 120 of the web server 100 receives the encrypted financial product application information through the network means (1000), the financial product application information is the communication defined in the network means It is preferably received via a protocol stack.

Thereafter, the information receiver 120 extracts a server-side private key for decrypting the encrypted financial product application information from the authorized certificate provided in the web server 100 (1005), and extracts the extracted server-side private key. Decode the encrypted financial product application information through (1010).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the financial instrument application information encrypted with the server-side public key is C (Ciphertext), and the server. When the financial instrument application information decrypted with the side private key is P (Plaintext), the function of the information receiver 120 decrypting the encrypted financial instrument application information is "Dk2 = P, or Dk2 (Ek (P)) = It can be expressed by an expression such as "P".

According to an embodiment of the present invention, an algorithm for decrypting the financial instrument application information encrypted by the server-side public key in the client terminal 140 by the information receiver 120 using the server-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, at least one or more of the various forms of decoding An algorithm may be used, but the decryption algorithm is matched with an encryption algorithm used in the customer terminal 140, and the present invention is not limited to a specific decryption algorithm.

For example, when decrypting the financial instrument application information through the RSA decryption algorithm among the public key-based decryption algorithms, the published method (Modulus) used in the decryption process is not disclosed by n and the different prime factors of n. If the prime is a and b, the published exponent (e.g. 3 or 216+) is e and the undisclosed exponent is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

When the financial product application information encrypted with the server-side public key is decrypted by the client terminal 140 through the server-side private key as described above, the information receiving unit 120 transmits the decrypted financial product application information to the information relay unit ( 130, the information relay unit 130 provides the financial product application information to the information processing server 155 through a predetermined interface means.

11 is a diagram illustrating a method of encrypting and transmitting financial product application information in an electronic envelope method in a customer terminal 140 according to an embodiment of the present invention.

In more detail, Figure 11 illustrates an embodiment of a method for encrypting and transmitting the financial product application information by an electronic envelope method in a customer terminal 140 having a predetermined encryption function, which is commonly known in the art. However, various implementation methods of encrypting the financial product application information in an electronic envelope method in the customer terminal 140 on the network means may be inferred by referring to and / or modifying the present invention. It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 11, information encrypted through the symmetric key (or secret key) is referred to as " financial instrument application information " for convenience, and a security function (or security program) provided in the financial instrument application interface for providing the encryption function. Is referred to as "security function" for convenience.

In this figure 11 according to the embodiment of the present invention, the server-side public key is preferably included in a security program corresponding to a security function provided in the financial product application interface, and / or included in the financial product application interface. According to the intention of the person skilled in the art, the server-side public key may be provided in a public certificate provided by the predetermined certification authority to the customer terminal 140, and / or a predetermined public certificate provided in association with the security program. In FIG. 11, for convenience, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate, but the present invention is not limited thereto.

Alternatively, the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal 140, and the present invention is not limited thereto. .

Referring to FIG. 11, when predetermined financial product application information is input (or selected) through the financial product application user interface in the client terminal 140 (1100), the security function unit stores the financial product application information in a private key. A predetermined random secret key for encrypting using a secret key (symmetric key) method is generated (1105), and the financial instrument application information is encrypted using the generated secret key (1110).

Here, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial instrument application information P (Plaintext), and the financial product application information encrypted with the secret key C Supposing (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information by the security function through the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data Encryption Algorithm (IDEA) It is preferable to include at least one of the above, and in addition to the various types of encryption algorithm may be used, the present invention is not limited by a specific encryption algorithm.

Thereafter, the security function encrypts the secret key (random secret key) used to encrypt the financial instrument application information. For this purpose, the security function extracts a predetermined server-side public key from the public certificate (1115), The secret key is encrypted using the server-side public key (1120).

Here, the encryption function of the security function is called E (Encryption), the server-side public key is k1 (key), the secret key is r (random Secret key), and the secret key encrypted with the server-side public key is C. In the case of (Ciphertext), the encryption function of the security function unit can be expressed by an expression such as "Ek1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function can be expressed as" C = Ek1 (r) = re mod n ".

If the financial instrument application information is encrypted with the secret key and the secret key is encrypted with the server-side public key, the security function unit encrypts the financial instrument application information with the secret key and the server-side public key. To generate the transaction data associated with the transmission to the web server 100 via a network component on the network means (1125).

12 is a diagram illustrating a method of decrypting financial product application information encrypted and received by the web server 100 according to an embodiment of the present invention by an electronic envelope method.

More specifically, FIG. 12 illustrates an electronic envelope method of the transaction data in a predetermined web server 100 that receives transaction data including encrypted financial product application information from a customer terminal 140 having a predetermined encryption function. As the embodiment of the present invention relates to an embodiment of the present invention, the present invention may be encrypted by the electronic envelope method in the client terminal 140 on the network means by referring to and / or modifying the present invention. Various implementation methods for decrypting transaction data in the same electronic envelope may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In this figure 12 according to the embodiment of the present invention, the server-side private key for decrypting the transaction data in an electronic envelope method is preferably read from the public certificate provided in the web server 100, and the public certificate is It is preferably stored in a predetermined database 410 (not shown) that cooperates with the web server 100, whereby the present invention is not limited.

Referring to FIG. 12, the information receiving unit 120 of the web server 100 receives predetermined transaction data including the financial product application information encrypted through the network means (1200). It is preferably received via a communication protocol stack defined in the network means.

Thereafter, the information receiver 120 extracts a server-side private key for decrypting the encrypted secret key included in the transaction data from the public certificate provided in the web server 100 (1205), and the extracted server. By decrypting a private key encrypted with the server-side public key in the client terminal 140 through a side private key (1210), a predetermined secret key for decrypting the financial instrument application information is extracted (1215), and the extraction is performed. By decrypting the financial instrument application information using the secret key (1220), the financial instrument application information encrypted with the secret key is extracted from the customer terminal 140 (1225).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server-side private key is k2 (key), the secret key encrypted with the server-side public key is C (Ciphertext), and the server-side individual. When a secret key decrypted with a key is r (random secret key), the function of decrypting the encrypted secret key by the information receiving unit 120 has a function such as "Dk2 = r, or Dk2 (Ek1 (r)) = r". It can be expressed as an expression.

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 140 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 140, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dk2 = Cd mod n ".

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial instrument application information encrypted with the secret key (C (Ciphertext)), and the decryption When the financial product application information is referred to as P (Plaintext), the function of the information receiving unit 120 to decrypt the encrypted financial product application information is "Dr = P, or Dr (Er (P)) = P". It can be expressed as an expression.

According to the method of the present invention, the algorithm for decrypting the encrypted financial product application information by the information receiving unit 120 using the secret key, SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, IDEA ( International Data Encryption Algorithm) preferably includes at least one or more, and various other decryption algorithms may be used, but the decryption algorithm is matched with the encryption algorithm used in the client terminal 140. The present invention is not limited to the specific decoding algorithm.

When the financial product application information is decrypted as described above, the information receiving unit 120 provides the decrypted financial product application information to the information relay unit 130 (1230), the information relay unit 130 is the financial The product application information is provided to the information processing server 155 through a predetermined interface means.

13 is a diagram illustrating a method of encrypting and transmitting financial instrument application information in a key exchange method in a customer terminal 140 according to an embodiment of the present invention.

More specifically, FIG. 13 illustrates an embodiment of a method of encrypting and transmitting the financial product application information by a key exchange method in a customer terminal 140 having a predetermined encryption function, which is commonly known in the art. With reference to FIG. 13 and / or modifications, various implementation methods of encrypting the financial instrument application information in a key exchange method in the client terminal 140 on the network means may be inferred. It includes all the inferred implementation method, and is not limited to the implementation method shown in FIG.

In FIG. 13, information encrypted through the symmetric key (or secret key) is referred to as "financial product application information" for convenience, and a security function (or security program) provided in the financial product application interface for providing the encryption function. Is referred to as "security function" for convenience.

In FIG. 13 according to the embodiment of the present invention, the terminal-side private key and the server-side public key are provided in a security program corresponding to a security function provided in the financial product application interface, and / or the financial product application interface. Preferably, the terminal-side private key and the server-side public key are provided in association with an authentication certificate provided to the customer terminal 140 by a predetermined certification authority, and / or the security program according to the intention of a person skilled in the art. Although it may be provided in the public certificate of the present invention, in FIG. 13, the symmetric key (or secret key) is illustrated as being read from a predetermined public certificate for convenience, but the present invention is not limited thereto.

Alternatively, the terminal-side private key and the server-side public key may be extracted from a predetermined directory (not shown) operated and managed by a certification authority issuing the certificate to the client terminal 140. The invention is not limited.

Referring to FIG. 13, when predetermined financial product application information is input (or selected) through the financial product application user interface in the customer terminal 140 (1300), the security function unit may set the financial product application information. Generates a message digest including a hash code of a certain length regardless of the length of the financial instrument application information (eg, a message digest), and generates an original message through the hash code (or message digest). A one-way hash function that cannot identify (or infer) the message, wherein the client terminal 140 and the web server 100 use the same hash function to generate a predetermined message digest (1305). The message digest is digitally signed (1310) by encrypting it with the terminal-side private key.

Here, the encryption function of the security function is called E (Encryption), the terminal-side private key is t1 (14erminal side key), the message digest is m (message digest), and the message digest encrypted with the terminal-side private key. Speaking of C (Ciphertext), the digital signature function of the security function unit can be expressed by an expression such as "Et1 (m) = C".

According to an embodiment of the present invention, an algorithm for encrypting the message digest by the security function unit using the terminal-side private key may include RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), and DH (Diffie). , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the message digest through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the digital signature function of the security function can be expressed as" C = Et1 (m) = me mod n ".

In addition, the security function unit generates a predetermined random secret key for encrypting the financial instrument application information in a secret key (symmetric key) method (1315), the financial product application information and the The message digest encrypted with a terminal-side private key and a copy of a certificate (eg, a certificate including a terminal-side public key) included in the public certificate are linked to each other and encrypted through the generated private key (1320).

Herein, the encryption function of the security function is called E (Encryption), the secret key is r (random secret key), the financial product application information and the copy of the certificate P (Plaintext), and the financial product application encrypted with the secret key When the information and the certificate copy are referred to as C (Ciphertext), the encryption function of the security function can be expressed by an expression such as "Er (P) = C".

According to an embodiment of the present invention, the algorithm for encrypting the financial instrument application information and the copy of the certificate through the secret key is SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, International Data (IDEA). It is preferable to include at least one or more of the Encryption Algorithm, and various forms of encryption algorithms may be used, but the present invention is not limited to a specific encryption algorithm.

The security function unit extracts a predetermined server-side public key from the authorized certificate to encrypt the private key that encrypts the financial instrument application information (1325), and applies for the financial product using the server-side public key. The private key encrypts the information (1330).

Herein, the encryption function of the security function is referred to as E (Encryption), the server side public key is s1 (server side key), the secret key is r (random secret key), and a secret key encrypted with the server side public key. If C (Ciphertext), the encryption function of the security function can be expressed by a formula such as "Es1 (r) = C".

According to an embodiment of the present invention, the algorithm for encrypting the secret key through the server-side public key by the security function, RSA (Ron Rivest, Adi Shamir, Len Adleman), DSA (Digital Signature Algorithm), DH (Diffie) , Hellman), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, ECDH, or at least one of the above, and may be used. In addition, various types of encryption algorithms may be used, but the present invention is not limited by a specific encryption algorithm. No.

For example, in the case of encrypting the secret key through the RSA encryption algorithm among the encryption algorithms, the public method (Modulus) used in the encryption process is n, and the non-public prime numbers with different prime factors of n are a and b. , If the published index (e.g., 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod (a-1). (b-1) ", where the encryption function of the security function can be expressed as" C = Es1 (r) = re mod n ".

The financial product application information and the message copy encrypted with the terminal-side private key and a copy of a certificate including the terminal-side public key are linked and encrypted through the generated secret key, and the secret key is the server side. When encrypted with a public key, the security function unit discloses the server-side public copy of a certificate including the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key. A predetermined transaction data is generated in association with a secret key encrypted with a key, and the generated transaction data is transmitted to the web server 100 through a network component on the network means (1335).

14 is a diagram illustrating a method of decrypting financial product application information encrypted and received by a web server 100 according to an embodiment of the present invention by a key exchange method.

In more detail, FIG. 14 illustrates that the transaction data is key exchanged by a predetermined web server 100 that receives transaction data including encrypted financial product application information from a customer terminal 140 having a predetermined encryption function. A method for decryption, which is a thing of ordinary skill in the art to which the present invention pertains, will be described with reference to and / or modified with reference to FIG. 14 and encrypted with the key exchange method in the customer terminal 140 on the network means. Various implementation methods for decrypting transaction data in the same key exchange method may be inferred, but the present invention includes all the inferred implementation methods and is not limited to the implementation method shown in FIG.

In FIG. 14 according to the embodiment of the present invention, the server-side private key and the terminal-side public key for decrypting the transaction data in a key exchange method are preferably read from the public certificate provided in the web server 100. In addition, the public certificate is preferably stored in a predetermined database 410 (not shown) that interoperates with the web server 100, whereby the present invention is not limited thereto.

Referring to FIG. 14, the information receiving unit 120 of the web server 100 receives transaction data including the financial product application information encrypted through the network means (1400), and the transaction data includes the network means. And a copy of a certificate including the message digest and the terminal-side public key encrypted with the financial instrument application information and / or the terminal-side private key encrypted with the secret key, and / or Preferably, the secret key is encrypted with the server-side public key.

Thereafter, the information receiver 120 extracts the server-side private key from the public certificate provided in the web server 100 to decrypt the secret key encrypted with the server-side public key (1410), and the server-side individual. By decrypting the secret key through a key (1415), the secret key for decrypting a copy of the certificate including the message digest encrypted with the financial instrument application information and the terminal-side private key and the terminal-side public key is extracted. (1420).

Here, the decryption function of the information receiving unit 120 is referred to as D (Decryption), the server side private key is s2 (server side key), the secret key encrypted with the server side public key is C (Ciphertext), and the server When the secret key decrypted with the side private key is r (random secret key), the function of decrypting the encrypted secret key by the information receiver 120 is "Ds2 = r, or Ds2 (Es1 (r)) = r". It can be expressed as

According to an embodiment of the present invention, the algorithm for decrypting the secret key encrypted by the server-side public key in the client terminal 140 through the server-side private key, RSA (Ron Rivest, Adi Shamir) , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 140, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the secret key through the RSA decryption algorithm among the public key-based decryption algorithms, n is a public method (Modulus) used in the decryption process, and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Ds2 = Cd mod n ".

When the secret key is extracted as described above, the information receiving unit 120 includes a certificate including the message digest and the terminal-side public key encrypted with the financial product application information and the terminal-side private key using the extracted secret key. By decrypting the copy (1425), a certificate copy including the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key and the terminal-side public key is extracted.

Here, the decryption function of the information receiver 120 is referred to as D (Decryption), the secret key is r (random secret key), the financial product application information encrypted with the secret key and the message digest encrypted with the terminal-side private key And a copy of the certificate including the terminal-side public key C (Ciphertext), and a copy of the certificate including the message digest encrypted with the decrypted financial instrument application information and the terminal-side private key and the terminal-side public key P ( Plaintext), the information receiver 120 decrypts the copy of the certificate including the encrypted financial product application information and the terminal digest key encrypted with the terminal-side private key, " Dr = P. " , Or Dr (Er (P)) = P ".

According to an embodiment of the present invention, the information receiving unit 120 copies the certificate including the message digest encrypted with the encrypted financial product application information and the terminal-side private key through the secret key and the terminal-side public key. The decryption algorithm may include at least one or more of SEED, DES (Data Encryption Standard), Triple-DES, Skipjack, and International Data Encryption Algorithm (IDEA), and various types of decryption algorithms may be used. The decryption algorithm is matched with the encryption algorithm used in the client terminal 140, and the present invention is not limited to the specific decryption algorithm.

In addition, the information receiver 120 decrypts the message digest encrypted with the terminal-side private key through the terminal-side public key (1430), and generates and transmits the financial product application information from the client terminal 140. Extract the message digest (1435).

Here, the decryption function of the information receiving unit 120 is called D (Decryption), the terminal side public key is t2 (terminal side key), the message digest encrypted with the terminal side private key is C (Ciphertext), and the terminal. If the message digest decoded by the side public key is m (Message Digest), the function of decrypting the encrypted message digest by the information receiving unit 120 is " Dt2 = m, or Dt2 (Es1 (r)) = m " The same formula can be used.

According to an embodiment of the present invention, the algorithm for decrypting the message digest encrypted by the terminal 140 with the terminal-side private key through the terminal-side public key is RSA (Ron Rivest, Adi Shamir). , Len Adleman (DSA), Digital Signature Algorithm (DSA), Diffie, Hellman (DH), Elliptic Curve Cryptosystem (ECC), KCDSA, ECDSA, and ECDH. Although it can be used, the decryption algorithm is characterized in that it matches the encryption algorithm used in the customer terminal 140, the invention is not limited by a specific decryption algorithm.

For example, when decrypting the message digest through the RSA decryption algorithm of the public key-based decryption algorithm, n is a public method (Modulus) used in the decryption process and n is a prime number that is not disclosed by different prime factors of n. If a and b, the published index (e.g. 3 or 216+) is e and the undisclosed index is d, then n satisfies "n = a * b" and d is "de = 1 mod ( a-1) (b-1) ", wherein the decoding function of the information receiver 120 may be expressed as" P = Dt2 = Cd mod n ".

Thereafter, the information receiving unit 120 generates a predetermined message digest through the same one-way hash function with the received financial product application information (1440), and then generates the generated message digest and the decryption. By comparing the received message digest (1445), the validity of the received financial instrument application information is verified.

If the generated message digest coincides with the decrypted message digest (1450), the information receiver 120 provides the financial instrument application information to the information relay unit 130 (1455). 130 provides the financial product application information to the information processing server 155 through a predetermined interface means.

FIG. 15 is a diagram illustrating a process of processing a bank account as an interest rate interlockable rechargeable prepaid card according to an embodiment of the present invention.

In more detail, in FIG. 15, the information processing server 155 shown in FIG. 1 opens a predetermined hidden account on the basis of the financial product application information provided from the web server 100, and interest rate of the hidden account. As a process of processing the interlocking rechargeable prepaid card, those skilled in the art to which the present invention pertains, refer to and / or modify this drawing 15 to the information processing server 155 shown in FIG. Based on the financial product application information provided, it would be possible to infer various implementation methods for processing a bank account with a interest rate linked prepaid card, but the present invention includes all the inferred implementation methods, whereby the present invention It is not limited.

For example, in FIG. 15, only the financial product application information is provided from the web server 100 to the information processing server 155. However, the person having ordinary knowledge in the technical field to which the present invention pertains, In addition to the financial product application information, financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information, etc. may be inferred to the information processing server 155. The invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information is further provided to the information processing server 155, whereby the present invention is limited. Not.

In the following figure 15, the information processing server 155 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 15, when predetermined financial product application information is received from the web server 100 shown in FIG. 1 to the server through the process illustrated in FIGS. 4 and / or 5, the server determines the finance. The product application information is read to determine whether a financial account corresponding to the financial product can be opened (1500).

If it is not possible to open a financial account corresponding to the financial product based on the financial product application information (1505), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In step 1510, the web server 100 transmits the account opening error information to the customer terminal 140 through a predetermined network means (1515). The bank account is based on the financial product application information. Terminate the procedure.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (1505), the server connects the predetermined financial account corresponding to the financial product application information to the financial system in connection with the financial system. The system establishes and processes a new provision on the system (1520), and processes the new provision account as an interest rate linked prepaid card in association with the financial system (1525).

According to an exemplary embodiment of the present invention, the server is opened by the bank opening establishment unit 180 by replacing the account ledger information included in the banking regulation ledger with the interest rate linked prepaid card information as shown in FIG. It is preferable to process the above-mentioned provisional account (or provisional ledger) with an interest rate linked prepaid card.

For example, the server replaces the account number included in the ledger with a predetermined prepaid card number, replaces the product type with a "interest rate linked rechargeable prepaid card" product, and replaces the account interest rate with a prepaid card linked rate By replacing the account password with a Personal Identification Number (PIN) for the interest rate linked prepaid card, and replacing the account balance with the interest rate linked prepaid card prepaid amount, by the new provision opening unit 180 It is preferable to process the opened new account (or the new director) with an interest rate linked prepaid card.

According to another exemplary embodiment of the present invention, the server is established by the trail opening establishment unit 180 by associating a predetermined interest rate linked rechargeable prepaid card information with the trailing ledger as shown in FIG. 3 in a relational manner. It is preferable to process the above-mentioned provisional account (or provisional ledger) with an interest rate linked prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By linking and storing the interest rate interlockable rechargeable prepaid card information, it is preferable to process the provisional interlinked rechargeable prepaid card (or the new director) opened by the provision of the new provision 180.

According to another exemplary embodiment of the present invention, as shown in FIG. 4, the server interlocks a predetermined prepaid card with a predetermined interest rate in a predetermined database 410 linked to the ledger D / B 405 in which the head of the household is registered. By storing the information, it is preferable to process the false-news account (or false-news ledger) opened by the false-news establishment unit 180 as a rate-interactive rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the interest rate interlockable rechargeable prepaid card information in a predetermined database 410 linked to the ledger D / B (405) registered by the head of the head, the trailed by the hook establishment section 180 It is advisable to treat your account (or Gae Gyu Gyu) as a rate-linked rechargeable prepaid card.

FIG. 16 is a diagram illustrating a process of operating a new account processed by an interest rate linked rechargeable prepaid card according to one embodiment of the present invention.

In more detail, FIG. 16 illustrates a case in which a predetermined amount is deposited into a new account processed as an interest rate interlockable rechargeable prepaid card through the provisional processing system shown in FIG. The process of depositing the deposit amount into the pseudo-new account by treating it as a recharge amount for a card, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 16. Various implementation methods for operating a new account processed with an interest rate-linked rechargeable prepaid card may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. .

Hereinafter, in FIG. 16, the information processing server 155 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 16, the server connects with the financial system to request a financial transaction in which a predetermined amount is deposited into a new account processed by an interest rate-linked rechargeable prepaid card through the provisional processing system shown in FIG. Check (1600).

According to an embodiment of the present invention, a deposit transaction for a new account processed with the interest rate linked prepaid card may be performed using the interest rate linked prepaid through at least one face-to-face financial transaction (eg, a window-based financial transaction). Deposit a predetermined amount into a new account processed with an interest rate-linked rechargeable prepaid card using the prepaid card information corresponding to the card, and / or at least one non-face-to-face financial transaction (eg, CD / ATM-based financial transaction). Internet banking-based financial transactions, wireless banking-based financial transactions, telebanking-based financial transactions, home banking-based financial transactions, etc. It is preferable to include at least one depositing a predetermined amount into the processed new account. All.

If it is confirmed that a financial transaction in which a predetermined amount is deposited into a new account processed by the interest rate-linked rechargeable prepaid card is requested (1605), the server is linked with the financial system to the deposit account (eg, interest rate interlocking). A bank account for depositing a predetermined amount by bank transfer to a new account processed with a type rechargeable prepaid card and / or a depositor (e.g., depositing a predetermined amount into a bank account with a interest rate linked prepaid card). To a prepaid card charging account and / or a prepaid card charging customer on the ledger provided on the financial system (1610), and a new account processed with the interest rate-linked rechargeable prepaid card in connection with the financial system. The deposit amount for the treatment is charged as the charge amount for the interest rate linked prepaid card (1615).

If the charge amount is charged to a new account processed as the interest rate linked rechargeable prepaid card (1620), the server includes a prepaid card charge history for the interest rate linked rechargeable prepaid card in conjunction with the financial system; By generating a predetermined financial transaction history (1625) and recording the financial transaction details in the ledger in association with the financial system (1630), deposit transactions for a new account processed with the interest rate linked prepaid card. To complete.

FIG. 17 is a diagram illustrating a process of operating a new account processed by an interest rate-linked rechargeable prepaid card according to another embodiment of the present invention.

* In more detail, FIG. 17 illustrates a withdrawal amount of the withdrawal amount when a predetermined amount is withdrawn from a falsely-traded account processed with an interest rate-linked rechargeable prepaid card through the pseudonym processing system shown in FIG. The process of dispensing the withdrawal amount from the bank account by treating the charge amount charged in the rechargeable prepaid card, and having a general knowledge in the technical field to which the present invention pertains, refer to FIG. 17. And / or may be modified to infer various implementation methods of operating a new account processed with the interest rate linked prepaid rechargeable card, but the present invention includes all of the inferred implementation methods, as shown in FIG. It is not limited to implementation method.

Hereinafter, in FIG. 17, the information processing server 155 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 17, the server connects with the financial system and requests a financial transaction in which a predetermined amount is withdrawn from a pseudonym account processed with an interest rate-linked rechargeable prepaid card through the pseudonym processing system shown in FIG. Check (1700).

According to the method of the present invention, the withdrawal transaction for a new account processed with the interest rate linked prepaid card is linked to the interest rate linked prepaid through at least one face-to-face financial transaction (eg, window-based financial transaction). Use the prepaid card information corresponding to the card to withdraw the amount charged to the interest rate linked prepaid card, transfer it to another account, pay bills, and / or at least one non-face-to-face financial transaction ( For example, CD / ATM-based financial transactions, Internet banking-based financial transactions, wireless banking-based financial transactions, telebanking-based financial transactions, home banking-based financial transactions, etc.) to use the prepaid card information corresponding to the interest rate linked prepaid card. To withdraw the amount charged to the interest rate linked prepaid card, transfer the account to another account, or pay the utility bill It is preferable to comprise at least one used for a part etc.

If it is confirmed that a financial transaction requesting a withdrawal of a predetermined amount from a new account processed with the interest rate-linked rechargeable prepaid card is requested (1705), the server is linked with the financial system to the withdrawal account (eg, an interest rate-linked type). The prepaid card usage account and / or on the ledger provided on the financial system for the money prepaid on the rechargeable prepaid card and / or the withdrawal customer (e.g., the customer using the money charged on the interest rate linked prepaid card). It is processed as a prepaid card user (1710), and the withdrawal amount for a new account processed with the interest rate interlockable rechargeable prepaid card in connection with the financial system as the prepaid card use amount to process the interest rate interlocked rechargeable prepaid card It is treated as using the amount charged in (1715).

If the amount is used from a new account processed with the interest rate linked prepaid card (1720), the server includes a prepaid card usage history for the interest rate linked prepaid card in conjunction with the financial system. Generate a financial transaction history of the bank account (1725), record the financial transaction history in the ledger in association with the financial system (1730), and complete the withdrawal transaction for the new account processed with the interest rate linked prepaid card. do.

FIG. 18 is a diagram illustrating a process of operating a new account processed by an interest rate-linked rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 18 illustrates that when a predetermined interest is calculated on a new account processed with an interest rate-linked rechargeable prepaid card through the new payment processing system shown in FIG. The process of settlement of the interest amount to the pseudo-new account by processing as a charge amount for a rechargeable prepaid card, if one of ordinary skill in the art to which the present invention pertains, refer to this figure 18 and / or It will be possible to infer various implementation methods of operating a new account processed by the interest rate linked prepaid rechargeable prepaid card, but the present invention includes all the implementation methods inferred, as shown in Figure 18 It is not limited.

In the following figure 18, the information processing server 155 shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 18, the server checks whether a predetermined interest corresponding to a new account processed with an interest rate-linked rechargeable prepaid card is calculated through the hidden processing system shown in FIG. 1 in connection with the financial system. (1800).

According to the method of the present invention, a new account processed with the interest rate linked prepaid card is periodically calculated a predetermined interest according to a predetermined interest rate corresponding to the interest rate linked prepaid card, the calculated interest The amount is preferably charged to an interest rate linked prepaid card.

If a predetermined interest is calculated for a new account processed with the interest rate linked prepaid card (1805), the server connects the calculated interest amount with the ledger provided on the financial system in association with the financial system. A prepaid card charge amount is processed (1810), and the interest amount is charged to the interest rate interlockable rechargeable prepaid card in association with the financial system (1815).

If the charge amount is charged to a new account processed with the interest rate linked prepaid card (1820), the server includes a prepaid card charge history for the interest rate linked prepaid card in conjunction with the financial system; A predetermined financial transaction history is generated (1825) and the financial transaction history is recorded in the ledger in association with the financial system (1830), which is calculated in correspondence with a new account processed with the interest rate linked prepaid card. Settle interest.

19 is a diagram illustrating a real name verification process for a new account processed by an interest rate interlockable rechargeable prepaid card according to an embodiment of the present invention.

More specifically, FIG. 19 illustrates a process of processing a new financial account through a real name verification process for a new account processed as an interest rate-linked rechargeable prepaid card through the new card processing system shown in FIG. 1. Those of ordinary skill in the art can infer various implementation methods for confirming the real name of a new account processed with the interest rate linked prepaid card by referring to and / or modifying the drawing 19. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the information processing server 155 on the provisional processing system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 19, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, and a TV banking system), in response to the financial product application information, whether the real name of the financial product application customer for the new account is verified periodically ( And / or a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, a TV banking system, and the like. In response to a customer real name verification event originating from a financial transaction system that includes one or more). 1900).

Those skilled in the art to which the present invention pertains may include a window terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, and a telecom system. Since the banking system, the home banking system, and the TV banking system include at least one or more financial transaction systems that include a customer's real name for a predetermined financial account, the detailed description thereof will be omitted for convenience.

If the real name of the customer applying for the financial product is not confirmed (1905), the server checks whether the real name verification period for the provisional account has expired in response to the financial product application information in association with the financial system (1910). .

If the real name verification period for the false new account has not passed in response to the financial product application information (1915), the server checks the real name of the customer for the false new account processed with the interest rate linked prepaid card. Repeat.

On the other hand, if the real name verification period for the new provision account has elapsed in response to the financial product application information (1915), the server determines the amount deposited in the new provision account in response to the financial product application information in connection with the financial system. The parent's account (e.g., a financial account that deposits a predetermined amount of investment (or deposit amount) into a bank account in response to the financial instrument application information), and the bank account is dormant in response to the financial instrument application information. Processing (1920).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (1905), the server is connected to the financial system and the original new financial financing of the new account processed with the interest rate-linked rechargeable prepaid card The account is returned to the account (1925), and the new account is processed as a new financial account whose real name is confirmed in connection with the financial system (1930).

According to the method of the present invention, when the interest rate linked prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, the prepaid card charge is reduced to the account balance, The prepaid card interlock rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

Thereafter, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed with the new financial account as the provisional opening date in association with the financial system (1935).

According to the present invention, by opening a financial account for financial transactions and / or sales of financial products as a new provision, and processing the opened new account with a interest rate-linked rechargeable prepaid card, until the customer's real name confirmation There is an advantage of providing at least one financial transaction service through.

According to the present invention, by opening a financial account for financial transactions and / or sales of financial products as a new provision, and processing the opened new account with a interest rate-linked rechargeable prepaid card, online financial products through Internet professional banks, etc. There is an advantage to facilitate sales.

Claims (1)

A new opening means for opening a new account online without a real name verification; The deposit transaction for the account is applied to the ledger to be treated as a prepaid card recharge transaction, the withdrawal transaction for the account is applied to the ledger to be treated as a prepaid card settlement transaction, and the amount deposited in the account is the prepaid card charge amount. Prepaid card processing means for applying to the ledger to be processed, applying the password for the account to the ledger to be treated as a prepaid card password, and applying the interest rate for the account to the prepaid card linked interest rate; And a new provision management means for managing the deposit transaction to be processed by a prepaid card charging method when the deposit transaction for the account is processed, and managing the withdrawal transaction to be processed by the prepaid card payment method when the withdrawal transaction for the account is carried out. Prepaid Card Operation System.

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