KR20080022827A - System and method for providing cash management information by non faced channel and program recording medium - Google Patents

Abstract

A system and a method for providing asset management information through a non-facial channel, and a program recording medium for the same are provided to make a customer join in asset management actively by providing asset management information to a customer in a non-facial financial transaction process using more than one non-facial financial transaction system actively/voluntarily used by the customer. An initial screen setting part outputs asset management information of a customer in an initial screen outputted after authentication of the customer connected to a non-facial channel by receiving agreement or selection from the customer. An information storing part(125) collects and stores the asset management information of the customer to a storage medium(130). An information processor extracts/confirms the asset management information of the customer by linking with the storage medium and provides the extracted/confirmed asset management information of the customer to the initial screen after authentication when the customer is connected to the non-facial channel. The non-facial channel includes Internet banking, TV banking, mobile banking and an ATM(Automated Teller Machine).

Description

System and Method for Providing Cash Management Information by Non Faced Channel and Program Recording Medium}

1 is a diagram illustrating an information registration system for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to an embodiment of the present invention.

2 is a view showing the configuration of asset management information output information stored in a storage medium for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to an embodiment of the present invention.

3 is a view showing the configuration of asset management information output information stored in a storage medium for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to another embodiment of the present invention.

4 is a view showing the configuration of asset management information output information stored in a storage medium for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering asset management information output information according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a financial transaction channel connection process for registering asset management information output information through Internet banking according to another embodiment of the present invention.

7 is a diagram illustrating a method of registering asset management information output information through an internet banking-based financial transaction channel according to another embodiment of the present invention.

8 is a diagram illustrating a process of registering asset management information output information according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face financial transaction system configuration outputting customer-specified asset management information according to an exemplary embodiment of the present invention.

10 is a diagram illustrating a process of connecting a financial transaction channel for non-face-to-face financial transactions that output customer-specified asset management information according to one embodiment of the present invention.

11 is a diagram illustrating a non-face-to-face financial transaction method for outputting customer specified asset management information according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face financial transaction system configuration outputting customer-specified asset management information according to another exemplary embodiment of the present invention.

13A and 13B are diagrams illustrating a non-face-to-face financial transaction method for outputting customer specified asset management information according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face financial transaction system configuration outputting customer-specified asset management information according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a process of connecting a financial transaction channel for a non-face-to-face financial transaction outputting customer specified asset management information according to another exemplary embodiment of the present invention.

16 is a diagram illustrating a non-face-to-face financial transaction method for outputting customer specified asset management information according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

105: information registration server 110: interface unit

115: interface providing unit 120: information receiving unit

125: information storage unit 130: storage medium

135: information registration terminal 140: wireless terminal

145: wired terminal

The present invention provides a non-face-to-face when a predetermined customer provides asset management information output information for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to the present invention to a non-face-to-face financial transaction system through a predetermined information registration interface. A financial transaction system relates to a system for storing the provided asset management information output information in association with the customer information (or non-face-to-face access information) in a predetermined storage medium.

As information and communication technology has developed, as the information and communication technology is applied to various customer asset management related systems, the assets of the customer are automatically managed and managed through the information and communication technology.

On the other hand, the customer asset management technology using the information and communication technology can guarantee the reliability only if the customer asset is within a predetermined asset management category, and if it falls outside the asset management category such as lack of account balance that occurs during asset management. Involvement of the customer who owns the asset is required.

Therefore, most customer asset management related systems take a method of informing the customer when the customer is out of a predetermined asset management category during the operation of the customer asset, thereby allowing the customer to participate in the asset management.

However, the asset management method as described above is a passive method that occurs only when the asset management is out of a predetermined asset management category. In order to manage and manage the customer assets more efficiently, the customer periodically performs the asset management process. It is necessary to provide a channel to participate in, but it is difficult to allow the customer to voluntarily and actively participate in the management of their assets through the channel.

Recently, as the information and communication technology converges in financial transactions, a window-based financial transaction system based on conventional face-to-face behavior includes an Internet banking system, and / or a tele banking system, and / or a wireless banking system based on information and communication technology. And various forms of non-face-to-face financial transaction systems including at least one of a TV banking system and / or a home banking system.

An object of the present invention for solving the problem is to set the customer asset management information to be output on the initial screen output after the customer authentication when the non-face-to-channel connection, collect the customer's asset management information to a predetermined storage medium Storing and extracting and / or confirming the asset management information of the customer in connection with the storage medium (or storage medium operating means) when the non-facing channel is connected to the customer, and extracting and / or checking the asset management information. It provides a method and system for providing asset management information through a non-face-to-face channel to provide a to the initial screen output after customer authentication.

The asset management information providing system through a non-face-to-face channel according to the present invention comprises: initial screen setting means for setting customer asset management information to be output on an initial screen output after customer authentication upon non-face-to-channel connection; Information storage means for collecting the customer's asset management information and storing it in a predetermined storage medium; And extracting and / or confirming the asset management information of the customer in connection with the storage medium (or the storage medium operating means) when the non-facing channel is connected to the customer, and checking the extracted and / or confirmed asset management information. And information processing means for providing the initial screen output after authentication.

According to the present invention, the initial screen setting means may be configured to output asset management information on the non-facing channel initial screen according to a customer agreement or selection.

According to the present invention, the non-facing channel is characterized in that it comprises at least one or more Internet banking, mobile banking, TV banking, automated devices.

On the other hand, the present invention includes a recording medium characterized in that a program for executing a function of the asset management information providing system constituting means through the non-facing channel described above is recorded.

On the other hand, the asset management information providing method through a non-face-to-face channel according to the present invention, setting the customer asset management information is output on the initial screen output after the customer authentication when the non-face-to-channel connection; Collecting the customer's asset management information and storing it in a predetermined storage medium; And extracting and / or confirming the asset management information of the customer in connection with the storage medium (or the storage medium operating means) when the non-facing channel is connected to the customer, and checking the extracted and / or confirmed asset management information. And providing the initial screen output after authentication.

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. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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 omitted as described above The relationship between the components 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 examples 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 is only.

1 is a diagram illustrating an information registration system for providing customer specified asset management information of a non-face-to-face financial transaction channel according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given customer provides asset management information output information for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to the present invention to a non-face-to-face financial transaction system through a predetermined information registration interface. In the non-face-to-face financial transaction system, the provided asset management information output information is processed in association with the customer information (or non-face-to-face access information) and stores in a predetermined storage medium 130. Those skilled in the art will be able to infer various implementation methods for the configuration of an information registration system for providing customer-specific asset management information of non-face-to-face financial transaction channels by referring to and / or modifying the present invention. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. No.

Hereinafter, at least one means and / or functional configuration for storing the asset management information output information provided from the customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is referred to as " information registration server 105 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for providing customer-specific asset management information of a non-face-to-face financial transaction channel according to the present invention includes a teller terminal provided at at least one financial institution branch, and And / or an information registration terminal 135 including at least one of a client terminal including at least one of a wired terminal 145 and / or a wireless terminal 140 used by a customer. The registration terminal 135 is connected to the communication channel and the information registration server 105 provided on the non-face-to-face financial transaction system through a predetermined network means.

According to an exemplary embodiment of the present invention, the customer visits the financial institution branch for providing customer-specific asset management information of the non-face-to-face financial transaction channel according to the present invention, and (or through a window provided at the financial institution branch) A form for filling in at least one information item for providing customer specified asset management information of a non-face-to-face financial transaction channel (eg through a teller) Provided) and submit the completed application to the teller, the teller enters (or selects) the information entered in the application through a given teller terminal, and the teller terminal enters the input (or Transmitting the selected information to the information registration server 105 provided on the non-face-to-face financial transaction system through the network means. desirable.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the financial institution branch, the information registration server 105 connected to the teller terminal is a ledger provided on the predetermined financial system It is preferable to include a server, wherein the network means for connecting the teller terminal and the information registration server 105 is a financial network (for example, the network) connecting the communication channel between the teller terminal and the information registration server 105 It is preferable to comprise a.

In the above information registration system, the application prepared by the customer, the teller terminal used by the teller, and the financial network connecting the teller terminal and the information registration server 105 are non-customer according to the present invention. It performs the function of an information registration interface for registering asset management information output information in order to provide customer specified asset management information of a face-to-face financial transaction channel.

According to another embodiment of the present invention, the customer is the information registration server through the at least one client terminal of the wired terminal 145 connected to a predetermined wired network and / or the wireless terminal 140 connected to a predetermined wireless communication network. (105) and input asset management information output information for providing customer specified asset management information of a non-face-to-face financial transaction channel according to the present invention through at least one user interface provided by the information registration server 105 ( Or), it is preferable to transmit the information from the client terminal to the information registration server 105 provided on the non-face-to-face financial transaction system through a predetermined network means.

Here, the wired terminal 145 connected to the wired 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 140 connected to the wireless network may include 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. Generic term for all terminal devices connected to the company's DataTAC and / or Erricson's Mobitex-based wireless data communication networks, and includes a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) connected to the CDMA-based mobile communication network. 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 non- It comprises a wireless data communication terminal connected to a data network, such as at least one is preferable.

In addition, the information registration server 105 connected to the client terminal may be an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server and / or a home according to the characteristics of the client terminal and the network means. Any one of the banking server, and / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 105 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 105, inputs and / or selects at least one or more information through the user interface, and transmits the information to the information registration server 105. It is preferable that a function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function to communicate with the information registration server 105, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals 145 and / or wireless terminals 140, Detailed description is omitted for convenience.

In the above information registration system, a client terminal including at least one wired terminal 145 and / or a wireless terminal 140 used by the customer is connected to the client terminal and the information registration server 105. The at least one wired network and / or wireless network performs a function of an information registration interface for registering the asset management information output information for the customer to provide customer-specific asset management information of the non-face-to-face financial transaction channel according to the present invention. .

According to another exemplary embodiment of the present invention, the information registration terminal 135, in addition to the teller terminal and / or the client terminal, a cash automatic teller machine connected to a predetermined financial network (for example, a financial common network). An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or may further include a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, by which the present invention is not limited do.

In the information registration system as described above, when the information registration terminal 135 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information registration server. A financial network connecting 105 performs a function of an information registration interface for registering the asset management information output information for the customer to provide customer specified asset management information of a non-face-to-face financial transaction channel according to the present invention, and / Or when the information registration terminal 135 is the call terminal (not shown), a wired telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 105 and / or The wireless telephone network includes an information registration interface for registering the asset management information output information for the customer to provide customer specified asset management information of the non-face-to-face financial transaction channel according to the present invention. And / or a terminal (and / or server) (not shown) provided to an institution affiliated with the financial institution that is the information registration terminal 135 (not shown), the terminal (and / or server) (shown O) and the network connecting the terminal (and / or server) (not shown) and the information registration server 105 is an asset for the customer to provide customer-specific asset management information of the non-face-to-face financial transaction channel according to the present invention Functions as an information registration interface for registering management information output information.

The storage medium 130 provided on the non-face-to-face financial transaction system according to the present invention associates the asset management information output information provided from the information registration terminal 135 with the customer information (or non-face-to-face access information). And the asset management information output information stored in the storage medium 130 is an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. Or it is used to output the customer-specific security information on the initial financial transaction screen during the financial transaction process through a non-face-to-face financial transaction system including at least one or more of the home banking system.

According to the implementation method of the present invention, the asset management information output information includes at least one deposit information accumulation date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information corresponding to at least one or more customer accounts Spending asset management information for customer spending assets, including at least one financial asset management information for the customer financial assets, including at least one, and / or at least one of various billing information and card payment information to be paid by the customer And / or an asset management item including at least one real estate asset management information for a customer real estate asset including at least one of information on market value and market price information on the customer-owned building and / or land. Characterized in that the The customer effectively manages the assets of the customer during the non-face-to-face financial transaction through a predetermined non-face-to-face financial transaction system.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. And the like, and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer, and / or expenditure asset management) corresponding to at least one asset management item in a home banking based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the non-face-to-face financial transaction system (or associated with the non-face-to-face financial transaction system). When the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one or more Internet banking systems, and / or telebanking systems, and / or wireless banking systems, and / or corresponding to the non-face-to-face financial transaction system. It is possible to be provided in a DBMS on at least one banking system of a TV banking system and / or a home banking system, whereby the present invention is not limited.

The information registration server 105 provided on the non-face-to-face financial transaction system according to the present invention is a generic term for the non-face-to-face financial transaction system side components connected to the information registration terminal 135 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an exemplary embodiment of the present invention, when the information registration terminal 135 is a teller terminal and / or an automatic teller machine (not shown) connected to a predetermined financial network, the information registration server 105 is a predetermined financial network. A ledger server provided on a financial system connected to the teller terminal and / or a financial automation device (not shown), and / or a server (or device) provided on an external system on the financial system, and / or the It may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the information registration terminal 135 is a client terminal including a wired terminal 145 and / or a wireless terminal 140 connectable to an Internet banking server on a predetermined internet banking system. The information registration server 105 is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or through the Internet banking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, The present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wireless terminal 140 connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 105 Is a predetermined wireless banking server provided on the wireless banking system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system through the wireless banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the wireless banking server (and / or the server (or device)). (Or a device), and / or a program included in the external world on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 105 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention when the information registration terminal 135 is a wired terminal 145 (or interactive digital TV, DMB terminal, set-top box, etc.) that can be connected to a TV banking server on a predetermined TV banking system. The information registration server 105 is a predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or through the TV banking system. The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a home appliance terminal connectable to a home banking server on a predetermined home banking system, the information registration server 105 is provided on the home banking system. A predetermined home banking server, and / or a program included in the home banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the home banking system, or the server A program included in (or a device), and / or a server (or device) provided in the external world on the financial system accessible through the home banking server (and / or the server (or device)), and / Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to the method of the present invention, the information registration server 105 is characterized in that it comprises an interface unit 110 for connecting and managing a predetermined communication channel with the information registration terminal 135 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 135 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 110 is defined in the financial network. Connects a communication channel with a teller terminal and / or a financial automation device (not shown) based on the protocol stack, and defines a financial transaction related program provided in the teller terminal and / or the financial automation device (not shown). It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

According to another embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wired terminal 145 and / or a wireless terminal 140 connected to a predetermined wired network and / or a wireless network, The interface unit 110 connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the client terminal. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 110 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 105, the interface unit 110 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides 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 information registration terminal 135 is a client terminal including a wireless terminal 140 connected to a predetermined wireless network, the interface unit 110 is defined in the wireless network. Connecting a predetermined communication channel with the client terminal based on the established protocol stack, 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 client terminal. It is preferable.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 110 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 105, the interface unit 110 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides 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 information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 110 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 110 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a wired terminal 145 (or a two-way digital TV) connected to a TV banking system, the interface unit 110 is connected to the TV banking system. A communication protocol defined in a communication program included in the wired terminal 145 (or bidirectional digital TV) is connected to the wired terminal 145 (or bidirectional digital TV) based on a defined protocol stack. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a home appliance terminal connected to a home banking system, the interface unit 110 is based on the protocol stack defined in the home banking system. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the home appliance terminal.

Referring to FIG. 1, the information registration server 105 interworks with the interface unit 110 when a predetermined information registration terminal 135 accesses the information registration server 105 through the interface unit 110. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined asset management information output information from the information registration terminal 135 to the information registration terminal 135. 115 and an information receiving unit 120 for receiving predetermined asset management information output information inputted (or selected) and transmitted from the information registration terminal 135 through the user interface in cooperation with the interface unit 110. And an information storage unit 125 for processing the received asset management information output information in association with the customer information (or non-face-to-face access information) and storing the received asset management information output information in a predetermined storage medium 130. The features.

The interface providing unit 115 corresponds to a functional configuration provided in the information registration terminal 135 when a predetermined information registration terminal 135 is connected to the information registration server 105 through the interface unit 110. Generate (or select) the asset management information output information to generate a predetermined user interface which can be transmitted to the information registration server 105 via the network means, and / or extract from a predetermined database (not shown). The user interface generated in conjunction with the interface unit 110 may be provided to the information registration terminal 135 through the network means.

Thereafter, the information registration terminal 135 inputs (or selects) the asset management information output information based on the user interface, and transmits the input (or selected) asset management information output information through the network means. It transmits to the registration server 105.

According to an embodiment of the present invention, when the information registration terminal 135 is a teller terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface study 115 may include the teller terminal and And / or generate (or extract) a predetermined user interface that can be provided by a financial transaction-related program included in an automated teller machine (not shown), and generate the user interface generated through the interface unit 110. It is preferable to provide the counter terminal and / or the financial automatic device (not shown).

According to another embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wired terminal 145 and / or a wireless terminal 140 connected to a predetermined wired network and / or a wireless network, The interface providing unit 115 generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates (or extracts) the interface through the interface unit 110. It is desirable to provide a user interface to the client terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a client terminal including a wireless terminal 140 connected to a predetermined wireless network, the interface providing unit 115 is connected to the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by the provided browser program and / or communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 110. Do.

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 115 displays the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 110 to the call terminal (not shown). Is preferably provided.

According to another embodiment of the present invention, when the information registration terminal 135 is a wired terminal 145 (or a two-way digital TV, a DMB terminal, a set-top box, etc.) connected to a TV banking system, the interface providing unit ( 115 generates (or extracts) a predetermined user interface that can be provided to the wired terminal 145 (or interactive digital TV), and transmits the generated (or extracted) user interface through the interface unit 110 to the wired terminal. It is preferable to provide to the terminal 145 (or interactive digital TV).

According to another exemplary embodiment of the present invention, when the information registration terminal 135 is a home appliance terminal connected to a home banking system, the interface providing unit 115 generates a predetermined user interface that can be provided to the home appliance terminal ( Or extract) and provide the generated (or extracted) user interface to the home appliance terminal through the interface unit 110.

When the information receiving unit 120 inputs (or selects) predetermined asset management information output information through the user interface in the information registration terminal 135 and transmits the information through the network means, the information receiving unit 120 interworks with the interface unit 110. And receiving the asset management information output information, wherein the received asset management information output information is provided to the information storage unit 125.

According to the implementation method of the present invention, the asset management information output information when the customer is connected to the Internet banking system through a predetermined wired terminal for internet banking during non-face-to-face financial transactions (for example, when logging in to the Internet banking server), Asset management information (eg, financial asset management information, and / or expenditure asset management information of the customer) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided to the wired terminal in the internet banking system; and / Or real estate asset management information, etc.) is preferably included.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility bill information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about market announcements and market price information. And at least one setting to output information.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Various billing information and card payment expenditure information corresponding to the date of arrival information, and / or expenditure asset management items of the non-face-to-face financial transaction customer, and / or floating property management items of the non-face-to-face financial transaction customer. At least one announcement price information and market information about the customer-owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). , Or when accessing an IC card for TV banking), at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer on the TV banking screen. Information, payment date of loan interest payment date, information of payment date of loan principal payment, and / or various utility information and card payment payment information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction At least the public announcement price information and market price information on the customer-owned building and / or land corresponding to the customer's floating property management item. It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards, and for this purpose, the asset management information output information may include at least one non-face-to-face It is preferable to be stored in association with the connection information.

The information storage unit 125 processes the asset management information output information received through the information receiver 120 in association with the customer information (or non-face-to-face access information) and stores the data in the predetermined storage medium 130. When the storage medium 130 is provided in the information registration server 105 or on the network associated with the information registration server 105, the information storage unit 125 receives the received information. Asset management information output information is preferably stored in a predetermined storage medium 130 in association with the customer information (or non-face-to-face access information), the storage medium 130 is provided in the DBMS provided on the financial system In this case, it is preferable that the information storage unit 125 provides and stores the received asset management information output information as an information system through an external system on the financial system.

2 is a view showing the configuration of the asset management information output information stored in the storage medium 130 to provide customer-specific asset management information of the non-face-to-face financial transaction channel according to an embodiment of the present invention.

More specifically, FIG. 2 shows the asset management information output information on the ledger information provided in the ledger D / B when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system. As shown in FIG. 2, an example of a method of storing information is provided. If a person of ordinary skill in the art to which the present invention pertains is referred, the asset management information in the ledger D / B may be referred to and / or modified with reference to FIG. Various information construction methods for storing output information may be inferred, but the present invention includes all the inferred implementation methods, 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 305 has at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one addition for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that more information is included, and it will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. The.

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.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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.

Referring to FIG. 2, the asset management information output information provided through the information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, whereby the banking-based finance based on the financial system Managing the asset in a non-face-to-face financial transaction comprising at least one of a transaction, and / or a wireless banking based financial transaction, and / or a telebanking based financial transaction and / or a TV banking based financial transaction and / or a home banking based financial transaction. Customer-specific account information is output on the non-face-to-face financial transaction initial screen based on the information output information.

In Figure 2, the asset management information output information is stored in the form of additional information that is processed in conjunction with the customer ledger, for which the asset management information output information is stored corresponding to the CIF number and at least one customer account Financial asset management information on customer financial assets, including at least one or more of the date of deposit deposit date, date of deposit due date, date of loan interest payment date, date of loan interest payment date, and / or the customer's payment At least one of expenditure asset management information on customer spending assets including at least one of various utility bill information and card payment expenditure information, and / or information on market value and / or market information about the customer-owned buildings and / or land. Real Estate Property Hall for Customer Real Estate Assets, including It characterized by comprising the asset management entry that includes at least one information and the like, and thereby causing the customer efficiently manage the predetermined non-face-to-face financial transaction system, the non-facing the customer property in the financial transaction through.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

According to another embodiment of the present invention, the asset management information output information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (for example, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3 is a view showing the configuration of the asset management information output information stored in the storage medium 130 to provide customer-specific asset management information of the non-face-to-face financial transaction channel according to another embodiment of the present invention.

In more detail, FIG. 3 illustrates an embodiment in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database 310 linked to the ledger D / B provided in the DBMS 300 on the financial system. As shown in FIG. 3, if the person skilled in the art of the present invention belongs to the present invention, the asset management information output information is output to the predetermined database 310 by referring to and / or modifying the drawing 3. It is possible to infer various information configuration methods for storing in association with / B, but the present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the asset management information output information is not easily stored in the ledger information of the ledger D / B on the DBMS 300 provided on the financial system (for example, the DBMS ( When it is not easy to change the ledger D / B 305 and 305 of 300, or the system expansion is not easy due to the characteristics of the financial system), the predetermined database 310 may be used instead of the ledger D / B. A method of storing asset management information output information and storing the asset management information output information by linking the database 310 and the ledger D / B is shown.

In addition, the database 310 shown in FIG. 3 does not have to be provided on the DBMS 300 provided on the financial system as in the implementation method shown in FIG. 3, and according to the intention of those skilled in the art, the Internet banking system Database 310 on, and / or database 310 on, and / or database 310 on, and / or database 310 on a wireless banking system, and / or database 310 on a TV banking system, and And / or may be configured in the form of a database 310 on a home banking system, whereby the present invention is not limited.

Referring to FIG. 3, the database 310 stores and stores the asset management information output information in association with the customer information (or non-face-to-face access information), and the asset management information output information is stored in the ledger D. FIG. Preferably, the asset management information output information further includes a CIF number corresponding to the ledger information to be linked to / B.

In FIG. 3, the asset management information output information stored in the database 310 may include at least one deposit deposit date arrival information, a deposit expiration date arrival information, a loan interest payment date arrival information, and loan payments corresponding to at least one customer account. Customer expenditure assets comprising at least one or more financial asset management information on customer financial assets including at least one date of arrival date and / or various utility information and card payment information to be paid by the customer. At least one or more real estate asset management information for the customer real estate assets, including at least one or more expenditure asset management information for the customer, and / or at least one public announcement price information and market price information about the customer-owned building and / or land. To include asset management items This allows the customer to efficiently manage the assets of the customer during the non-face-to-face financial transaction through a predetermined non-face-to-face financial transaction system.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or to the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. Customer-specified asset management that includes at least one information about market announcements and market price information. And at least one setting to output information.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

4 is a view showing the configuration of the asset management information output information stored in the storage medium 130 to provide customer-specific asset management information of the non-face-to-face financial transaction channel according to another embodiment of the present invention.

In more detail, Figure 4 shows that the storage medium 130 shown in Figure 1 is an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system. As an embodiment of a method including a database 310 provided in the DBMS 300 provided on the above, those skilled in the art to which the present invention pertains, reference and / or modification of the figure 4 Although it is possible to infer a method of constructing information on asset management information output information stored in a database 310 included in the DBMS 300 on at least one banking system, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the database 310 in which the asset management information output information is stored includes an internet banking system, a tele banking system, and / or a wireless banking system, and / or a TV banking system, and / or a home. The banking system may include at least one banking system.

For example, when the database 310 is provided in the DBMS 300 on the Internet banking system, the asset management information output information is preferably stored in the banking element information stored in the DBMS 300 on the Internet banking system. Do.

In FIG. 4, the asset management information output information includes at least one deposit deposit arrival date information, a deposit due date arrival information, a loan interest payment date arrival information, and a loan payment due date arrival information corresponding to at least one or more customer accounts. Expenditure asset management information on customer expenditure assets, including financial asset management information on customer financial assets, and / or at least one of various utility bill information and card payment expenses information to be paid by the customer, and And / or an asset management item including at least one real estate asset management information for a customer real estate asset including at least one information about the customer owned building and / or land, including at least one information and market price information. Characterized in that the customer Through a non-face-to-face financial transaction system, the customer's assets are efficiently managed during non-face-to-face financial transactions.

Here, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (eg, financial asset management information, and / or expenditure asset management information of the customer, and / or real estate asset management) corresponding to at least one asset management item in the internet banking-based financial transaction interface provided by the wired terminal. Information such as information) to be outputted.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

5 is a diagram illustrating a process of registering asset management information output information according to an exemplary embodiment of the present invention.

In more detail, in FIG. 5, in the case where the information registration server 105 on the information registration system shown in FIG. 1 has a web server function, the client terminal accesses the information registration server 105 and the present invention. The asset management information including at least one asset management item for customer asset management of the non-face-to-face financial transaction to the information registration server 105 through the communication channel after connecting a communication channel for information registration according to the present invention. When the output information is transmitted, the information registration server 105 stores the received asset management information output information in a predetermined storage medium 130, and the general knowledge in the technical field to which the present invention belongs. If the person possesses the same, the asset management information output information is registered with the information registration server 105 in the client terminal by referring to and / or modifying the drawing 5. Although it can be inferred from various implementation methods, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the client terminal shown in FIG. 1 is referred to as "terminal" for convenience, and the information registration server 105 shown in FIG. 1 is referred to as "server" for convenience.

Referring to Figure 5, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the asset management information output information by accessing the server through a communication network, and / or an IEEE 802.16x based portable Internet, etc., and setting a customer-specified initial screen of the non-face-to-face financial transaction channel. When the asset management information output information registration request is requested (500), the server generates (or extracts) a web page corresponding to a predetermined information input interface for registering the asset management information output information (505), and The generated (or extracted) web page is transmitted to the terminal and output through the communication channel (510).

According to an embodiment of the present invention, the information input interface inputs (or selects) asset management information output information including at least one or more asset management items for customer asset management of the non-face-to-face financial transactions in the terminal. It is preferable to include an interface to make.

According to another exemplary embodiment of the present invention, when different asset management information is set for each non-face-to-face financial transaction system, the information input interface corresponds to each non-face-to-face financial transaction system for outputting the asset management information. Preferably, the method further comprises a user interface for inputting (or selecting) at least one non-face-to-face financial instrument information. In such an embodiment, the asset management information output information may include the input (or selection) of at least one non-face-to-face. It is preferable that the financial instrument further includes information.

According to another exemplary embodiment of the present invention, different non-face-to-face access information (for example, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction password, or a plurality of different information) in a predetermined non-face-to-face financial transaction system When different asset management information is set to be output for each non-face-to-face financial transaction number, etc. by a security card, the information input interface may output different asset management information in a predetermined non-face-to-face financial transaction system. The user interface may further include a user interface for inputting (or selecting) at least one non-face-to-face connection information. In this embodiment, the asset management information output information may include the input (or selection) of at least one non-face-to-face. It is preferable that the connection information is further included.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the asset management information output information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) asset management information output information including at least one asset management item for customer asset management of at least one non-face-to-face financial transaction through the information input interface (515).

According to the implementation method of the present invention, the asset management information output information when the customer is connected to the Internet banking system through a predetermined wired terminal for internet banking during non-face-to-face financial transactions (for example, when logging in to the Internet banking server), Asset management information (eg, financial asset management information, and / or expenditure asset management information of the customer) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided to the wired terminal in the internet banking system; and / Or real estate asset management information, etc.) is preferably included.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

If the terminal receives (or selects) asset management information output information including at least one asset management item for customer asset management during the non-face-to-face financial transaction through the information input interface (520), the terminal At least one asset management item for managing customer assets among non-face-to-face financial transactions input (or selected) through the financial transaction channel is transmitted to the server (525).

According to an embodiment of the present invention, transmitting at least one asset management item for customer asset management of the non-face-to-face financial transaction input (or selected) through the financial transaction channel to the server, the information input interface. And electronically signing and / or encrypting at least one asset management item for customer asset management during a non-face-to-face financial transaction input (or selected) through the security module provided in the terminal and transmitting the same to the server. Can be.

Thereafter, the server receives and reads at least one asset management item for customer asset management during the non-face-to-face financial transaction through the financial transaction channel, thereby confirming the validity of the asset management information output information (530).

According to an embodiment of the present invention, receiving and reading the asset management information output information through the financial transaction channel to confirm validity includes at least one asset for customer asset management of non-face-to-face financial transactions received from the terminal. And decrypting the management item and / or confirming an electronic signature attached to at least one asset management item for customer asset management during the non-face-to-face financial transaction.

If the validity of the asset management information output information is not authenticated (535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (540), and the asset management information output information Do not perform the corresponding information registration procedure.

On the other hand, if the validity of the asset management information output information is authenticated (535), the server performs an information registration procedure corresponding to the asset management information output information, at least one or more for customer asset management of the non-face-to-face financial transaction The asset management item is stored in a predetermined storage medium 130 (545), and a web page including predetermined information registration history information is generated and transmitted to the terminal (550), thereby outputting the asset management information requested from the terminal. Complete the procedure to register the information.

According to an embodiment of the present invention, the storage medium 130 may comprise the non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and And / or the DBMS 300 provided on the home banking system) and / or the DBMS 300 provided on the financial system associated with the non-face-to-face financial transaction system. The present invention is not limited.

6 is a diagram illustrating a financial transaction channel connection process for registering asset management information output information through Internet banking according to another embodiment of the present invention.

In more detail, in FIG. 6, when the information registration system illustrated in FIG. 1 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network (eg, the Internet, etc.). After accessing the Internet banking server and performing a predetermined customer authentication procedure, the client terminal transmits predetermined asset management information output information for preventing a customer financial accident through a non-face-to-face financial transaction channel to the Internet banking server. An embodiment of the present invention relates to a method for connecting an internet banking-based financial transaction channel for transmission and registration. If a person of ordinary skill in the art belongs to the present invention, the present invention may be referred to and / or modified to refer to FIG. Internet banking based financing for registration of asset management information output information between banking servers Would be able to infer a variety of exemplary methods for the connections to the channel, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

That is, FIG. 6 is based on the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of connecting an internet banking-based financial transaction channel for registering asset management information output information between the client terminal and the Internet banking server is illustrated, the present invention belongs to those skilled in the art. Referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 6, asset management information is output between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Information registration For would be able to infer the exemplary method for connecting the Internet banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 6, in addition to the internet banking system, and a telebanking system and / or In another banking system such as a wireless banking system and / or a TV banking system and / or a home banking system, an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering asset management information output information may be inferred. Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of Internet banking shown in FIG.

Hereinafter, in FIG. 6, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the information registration server 105 is referred to as a "server" for convenience.

Referring to FIG. 6, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600), the server connects a communication channel between the terminal and the server through the browser. 605, wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client terminal, and the browser provided to the client terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (610).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (615), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (620).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (625), or if the terminal does not need to install and / or update the Internet banking security module (615), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (630), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the same method, and the terminal is provided to the server for registration of asset management information output information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also from the terminal to the server for registration of asset management information output information. Attach certain electronic signatures to the information (or data) to be provided; and / or When encrypted and transmitted with at least one encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (635).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, and the server includes authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data. Data is preferably transmitted electronically and / or encrypted over the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request 640, the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (645).

If the Internet banking customer authentication fails (650), the server blocks the Internet banking secure channel for the terminal (655), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (650), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined asset management information output information for preventing a customer financial accident through a non-face-to-face financial transaction channel from the terminal to the server.

7 is a diagram illustrating a method of registering asset management information output information through an internet banking-based financial transaction channel according to another embodiment of the present invention.

In more detail, in FIG. 7, when the information registration system illustrated in FIG. 1 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may access the Internet through the process illustrated in FIG. 6. After accessing a banking server and performing a predetermined customer authentication procedure, if an internet banking-based financial transaction channel is connected between the client terminal and the internet banking server, the client terminal accesses the Internet through the internet banking-based financial transaction channel. When the predetermined asset management information output information is transmitted to the banking server to prevent customer financial accident through the non-face-to-face financial transaction channel, the received asset management information output information is stored in the predetermined storage medium 130 by the Internet banking server. As for the practice of the present invention, the conventional art in the art Those skilled in the art will be able to infer various asset management information output information registration methods using the Internet banking-based financial transaction channel between the client terminal and the Internet banking server by referring to and / or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 7 is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal to access the Internet banking-based financial transaction channel. In this connection, the method for storing the asset management information output information transmitted from the client terminal through the browser program is shown in the storage medium 130, but a person having ordinary knowledge in the technical field to which the present invention belongs. By referring to and / or modifying an internet banking-based asset management information output information registration method using the browser program shown in FIG. 7, the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. Iru However, the present invention may infer various types of internet banking-based asset management information output information registration methods, but the present invention includes a method for registering internet banking-based asset management information output information provided based on the internet banking program. The present invention is not limited by this.

In addition, if those skilled in the art to which the present invention belongs, refer to and / or modify the Internet banking-based asset management information output information registration method shown in Figure 7 in addition to the Internet banking system, face to face through the window Non-face-to-face channel-based assets for registering asset management information output information for customer-owned accounts in a channel-based asset management information output information registration method or another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system. It is possible to infer a management information output information registration method, but the present invention provides a telebanking system and / or a wireless banking system and / or a TV banking system and / or a home banking system and / or a proposed non-faced channel banking system. Includes all types of non-face-to-face channel-based asset management information output information registration , It is a technical configuration of the present invention limited to the case of the Internet banking illustrated in the figure 7 by no means.

In the following figure, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 105 is referred to as " server "

Referring to FIG. 7, when an internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 6, the terminal uses the internet banking to register asset management information output information for a customer-owned account. When requesting to register the Internet banking-based asset management information output information to the server through the underlying financial transaction channel (700), the server generates a web page corresponding to a predetermined information input interface for registering the asset management information output information ( Or (705), and transmits the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel (710).

According to an embodiment of the present invention, the information input interface inputs (or selects) asset management information output information including at least one or more asset management items for customer asset management during non-face-to-face financial transactions in the terminal. It is preferable to include an interface, and / or a predetermined password (e.g., account password) to confirm the validity of the Internet banking customer requesting registration of the asset management information output information and / or the asset management information output information. And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or an One Time Password (e.g., an internet banking application process (or after an internet banking application)). Disposable generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution It is preferable to further include an interface for inputting a password).

According to another exemplary embodiment of the present invention, different Internet banking access information (for example, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction password, or a plurality of different security cards in a predetermined Internet banking system) is provided. If different asset management information is set to be output for each non-face-to-face financial transaction number, etc.), the information input interface may include at least one or more Internet banking to output different asset management information from the Internet banking system. In addition, the asset management information output information may further include at least one Internet banking connection information input (or selected). It is preferable to make.

In addition, the web page transmission and / or output process is preferably performed at least one or more times according to the asset management information output information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal transmits at least one asset management information output information (eg, output target account information and / or non-output target account information) and the asset management information output information to a predetermined storage medium 130 through the information input interface. Asset management item data including the asset management information output information registration request information to be stored is input (or selected) (operation 715).

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

If asset management item data including the asset management information output information is input (or selected) through the information input interface at the terminal (720), the terminal is input (or selected) through the financial transaction channel. The asset management item data is transmitted to the server (725).

According to the exemplary embodiment of the present invention, transmitting the asset management item data input (or selected) to the server through the financial transaction channel may include the asset management item data input (or selected) through the information input interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server checks the validity of the asset management item data by receiving and reading the asset management item data through the financial transaction channel (730).

According to an embodiment of the present invention, receiving and reading the asset management item data through the financial transaction channel and confirming validity may decode the asset management item data received from the terminal and / or the asset management item data. This includes checking the digital signature attached to it.

In addition, the verification of the validity of the asset management item data, preferably comprises a further authentication of the password and / or security code and / or OTP included in the asset management item data.

If the validity of the asset management item data is not authenticated (735), the server generates a web page including predetermined asset management information output information registration error information and transmits it to the terminal (740), and the asset management Do not perform the asset management information output information registration procedure corresponding to the item data.

On the other hand, if the validity of the asset management item data is authenticated (735), the server performs the asset management information output information registration procedure corresponding to the asset management item data, thereby outputting the asset management information included in the asset management item data By storing the information in a predetermined storage medium 130 (745) and generating a web page including the predetermined asset management information output information registration history information and transmitting it to the terminal (750), the asset management requested from the terminal Complete information output information registration.

According to an embodiment of the present invention, the storage medium 130 is located in the DBMS 300 provided on the Internet banking system, and / or the DBMS 300 provided on a financial system linked to the Internet banking system. It is possible to be located at all), by which the present invention is not limited.

According to another exemplary embodiment of the present invention, if the asset management information output information is registered through a telebanking system instead of the internet banking system, the asset management information output information is predetermined for telebanking by the customer during a non-face-to-face financial transaction. Asset management corresponding to at least one asset management item in a telebanking based financial transaction interface provided by the telebanking system to the call terminal when accessing the telebanking system through a call terminal (eg, when logging in to a telebanking server). Information (eg, the financial asset management information of the customer, and / or expenditure asset management information, and / or real estate asset management information, etc.) is preferably included.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

If the asset management information output information is registered through a wireless banking system instead of the internet banking system, the asset management information output information is transmitted to a wireless banking system through a predetermined wireless terminal for wireless banking during a non-face-to-face financial transaction. When connected (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking), the wireless banking system provides at least one asset management item corresponding to a wireless banking based financial transaction interface provided to the wireless terminal. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information of the customer, and / or expenditure asset management information, and / or real estate asset management information, etc.).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to expenditure asset management items of the non-face-to-face financial transaction customer, and / or awards corresponding to floating asset management items of the non-face-to-face financial transaction customer. At least one of the announcement price information and market price information, etc. for the existing customer-owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

If the asset management information output information is registered through a TV banking system instead of the internet banking system, the asset management information output information may be a predetermined digital TV (or DMB terminal, or DMB terminal) for TV banking during a non-face-to-face financial transaction. When accessing a TV banking system through a set-top box (e.g., when logging in to a TV banking server or accessing a TV banking IC card), the digital bank (or DMB terminal or set-top box, etc.) in the TV banking system Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) corresponding to at least one asset management item in a TV banking-based financial transaction interface It is preferable to include the information to be set to output, including).

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

If the asset management information output information is registered through a home banking system instead of the internet banking system, the asset management information output information is transferred to a home banking system through a predetermined home appliance terminal for home banking during a non-face-to-face financial transaction. Assets corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal when connected (eg, when logging in to a home banking server or accessing an IC card for home banking). It is preferably made to include information that is set to output, including management information (eg, the financial asset management information of the customer, and / or expenditure asset management information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

8 is a diagram illustrating a process of registering asset management information output information according to another exemplary embodiment of the present invention.

In more detail, in FIG. 8, the information registration server 105 on the information registration system shown in FIG. 1 has a predetermined IC chip storage information update (or post-issuance) function, and the information registration terminal 135 is predetermined. In the case of a wireless terminal having a financial IC chip (eg, mounted or detached from a financial IC chip), the wireless terminal 140 connects to the information registration server 105 to register information according to the present invention. After connecting the communication channel for transmitting the asset management information output information including at least one asset management item for customer asset management of the non-face-to-face financial transactions to the information registration server 105 via the communication channel After storing the received asset management information output information at the information registration server 105 in a predetermined storage medium 130, IC chip storage information (e.g., financial IC chip) on the financial IC chip provided in the wireless terminal. Financial numbers However, a method for updating (or post-issuing) the stored information (or card application) or the account information included in the financial means storage information (or card application) of the financial IC chip in response to the asset management information output information. As one of ordinary skill in the art to which the present invention pertains, various implementation methods for registering the asset management information output information in the wireless terminal 140 can be inferred by referring to and / or modifying the drawing 8. 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. 8, the wireless terminal 140 shown in FIG. 1 will be referred to as "terminal" for convenience, and the information registration server 105 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 8, the wireless terminal 140 shown in FIG. 1 accesses the server through a predetermined network means (e.g., a CDMA based mobile communication network, and / or an IEEE 802.16x based portable Internet, etc.) and the asset. When a predetermined communication channel for registering management information output information is connected, and the asset management information output information registration request for setting a customer-specified initial screen of the non-face-to-face financial transaction channel is requested (800), the server manages the asset management. Information output Generates (or extracts) a wireless web page corresponding to a predetermined information input interface for information registration (805), and transmits and outputs the generated (or extracted) wireless web page to the terminal through the communication channel. (810)

According to an embodiment of the present invention, the information input interface inputs (or selects) asset management information output information including at least one or more asset management items for customer asset management of the non-face-to-face financial transactions in the terminal. It is preferable to include an interface to make.

According to another exemplary embodiment of the present invention, when different asset management information is set for each non-face-to-face financial transaction system, the information input interface corresponds to each non-face-to-face financial transaction system for outputting the asset management information. Preferably, the method further comprises a user interface for inputting (or selecting) at least one non-face-to-face financial instrument information. In such an embodiment, the asset management information output information may include the input (or selection) of at least one non-face-to-face. It is preferable that the financial instrument further includes information.

According to another exemplary embodiment of the present invention, different non-face-to-face access information (for example, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction password, or a plurality of different information) in a predetermined non-face-to-face financial transaction system When different asset management information is set to be output for each non-face-to-face financial transaction number, etc. by a security card, the information input interface may output different asset management information in a predetermined non-face-to-face financial transaction system. The user interface may further include a user interface for inputting (or selecting) at least one non-face-to-face connection information. In this embodiment, the asset management information output information may include the input (or selection) of at least one non-face-to-face. It is preferable that the connection information is further included.

In addition, the wireless web page transmission and / or output process is preferably performed at least once according to the asset management information output information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) asset management information output information including at least one asset management item for customer asset management of at least one non-face-to-face financial transaction through the information input interface (815).

According to the implementation method of the present invention, the asset management information output information when the customer is connected to the Internet banking system through a predetermined wired terminal for internet banking during non-face-to-face financial transactions (for example, when logging in to the Internet banking server), Asset management information (eg, financial asset management information, and / or expenditure asset management information of the customer) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided to the wired terminal in the internet banking system; and / Or real estate asset management information, etc.) is preferably included.

For example, the asset management information output information is the non-face-to-face on the Internet banking screen when the customer accesses the Internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an Internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price And at least one setting to output information.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be used when the customer connects to a telebanking system through a predetermined call terminal for telebanking during a non-face-to-face financial transaction (eg, when logging in to a telebanking server). In the announcement, the information on the deposit deposit date of the deposit deposit corresponding to the at least one customer account corresponding to the financial asset management items of the non-face-to-face financial transaction customer, the information on the deposit due date, the date on which the loan interest payment date arrives, the information on the payment date of the loan principal, And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and And / or a customer designator who includes at least one of the information on market price, land price information, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to a wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all types of non-face-to-face financial transaction systems are preferably synchronized to the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

If the terminal receives (or selects) asset management information output information including at least one asset management item for customer asset management during the non-face-to-face financial transaction through the information input interface (820), the terminal receives the At least one asset management item for managing customer assets in the non-face-to-face financial transaction input (or selected) through a financial transaction channel is transmitted to the server (825).

According to an embodiment of the present invention, transmitting at least one asset management item for customer asset management of the non-face-to-face financial transaction input (or selected) through the financial transaction channel to the server, the information input interface. And electronically signing and / or encrypting at least one asset management item for customer asset management during a non-face-to-face financial transaction input (or selected) through the security module provided in the terminal and transmitting the same to the server. Can be.

Thereafter, the server receives and reads at least one asset management item for customer asset management during the non-face-to-face financial transaction through the financial transaction channel, thereby confirming the validity of the asset management information output information (830).

According to an embodiment of the present invention, receiving and reading the asset management information output information through the financial transaction channel to confirm validity includes at least one asset for customer asset management of non-face-to-face financial transactions received from the terminal. And decrypting the management item and / or confirming an electronic signature attached to at least one asset management item for customer asset management during the non-face-to-face financial transaction.

If the validity of the asset management information output information is not authenticated (835), the server generates a wireless webpage including predetermined information registration error information and transmits it to the terminal (840), and outputs the asset management information. Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the asset management information output information is authenticated (835), the server performs an information registration procedure corresponding to the asset management information output information, thereby at least one or more for customer asset management of the non-face-to-face financial transaction The asset management item is stored in the predetermined storage medium 130 (845).

According to an embodiment of the present invention, the storage medium 130 may comprise the non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and And / or the DBMS 300 provided on the home banking system) and / or the DBMS 300 provided on the financial system associated with the non-face-to-face financial transaction system. The present invention is not limited.

Thereafter, the server stores the IC chip storage information for updating the financial IC chip (or post-issuance) corresponding to the asset management information output information (eg, financial means storage information (or card application) of the financial IC chip, or a financial IC chip). And generate (850) account information included in the financial means storage information (or card application) of the IC chip storage information (for example, the financial means storage of the financial IC chip). Information (or card application), or financial information storage information (or card information included in the card application) of the financial IC chip) is transmitted to the terminal (855), and correspondingly, the terminal updates the received financial IC chip. IC chip storage information (for example, financial instrument storage information (or card application) of the financial IC chip, or financial instrument storage information (or card application) included in the financial IC chip) Solution to the financial IC chip corresponding to the asset management information, the output information update process (or after the issuance) and 860, complete the process for registering a property management information output request information from the terminal thereby.

9 is a diagram illustrating a non-face-to-face financial transaction system configuration outputting customer-specified asset management information according to an exemplary embodiment of the present invention.

More specifically, FIG. 9 shows at least one non-face to face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). In an Internet banking system operated based on a Transmission Control Protocol / Internet Protocol (TCP / IP) based network (for example, the Internet), output of customer-specified asset management information is output through the information registration system shown in FIG. As a method for implementing a non-face-to-face financial transaction system for outputting customer-specific asset management information for preventing customer financial accidents in the Internet banking system based on predetermined asset management information output information registered for the purpose of the present invention, If one of ordinary skill in the art to refer to and / or modify the present Figure 9 in addition to the Internet banking system Any other non-face-to-face financial transaction system (e.g., a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system) may be registered through the information registration system shown in FIG. Various implementation methods for outputting the initial screen of the non-face-to-face financial transaction system based on the asset management information output information may be inferred, but the present invention includes all of the inferred implementation methods and is shown in FIG. It is not limited to the method.

In accordance with a preferred method of the present invention, at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). Internet banking system operating based on a TCP / IP-based network (for example, the Internet, etc.), to provide an Internet banking service to at least one client terminal having a predetermined web browser, and at least one client terminal Internet banking server 900, the Internet banking server 900 is associated with a financial system 960 for processing the financial business required to provide the Internet banking service through a predetermined interface means (955). .

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 9 illustrates a non-face-to-face contact between the client terminal and the Internet banking server based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although the method of implementing an internet banking system for processing a financial transaction is illustrated, those of ordinary skill in the art to which the present invention pertains may use the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. It is possible to infer a configuration of an internet banking system for processing non-face-to-face financial transactions between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying the present invention. Remind Internet Banking Frog It includes an Internet banking system provided on the basis of the RAM, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the configuration of the Internet banking system shown in Figure 9, non-face-to-channel based financial transactions according to the present invention Other banking systems, such as a telebanking system and / or a wireless banking system and / or a TV banking system and / or a home banking system, may be inferred, but the present invention is directed to the telebanking system and / or wireless banking system and / or Or all types of non-face-to-face banking systems, including TV banking systems and / or home banking systems and / or future non-face-to-channel banking systems, wherein the technical configuration of the present invention is shown in FIG. It is by no means limited to.

The client terminal is connected to the Internet banking server 900 based on the TCP / IP-based wired communication function and the wired communication function, the desktop having at least one web browser for receiving a browsing-based wired web service ( Desktop) characterized in that it comprises a wired terminal 145 including at least one computer and / or notebook (Notebook), the Internet banking server through a predetermined network means including the Internet based on TCP / IP 900 and a communication channel for internet banking is connected.

The financial system 960 is a computer system provided in a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. An accounting system 962 for processing a window service such as credit or receiving or trust or foreign exchange, an information system 963 for processing a headquarters business, branch office information support, and customer information management; Provides a variety of electronic financial services (e.g., internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), other exchanges, call centers, financial settlements, etc. An interface corresponding to an external system 961 and a middleware platform that provides interfacing between components in the financial system. At least to store and manage the network module 965 and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. It includes a database management system (DBMS) 964 including one or more databases 310, the intention of the person skilled in the art and / or the type of each financial institution (eg commercial banks, savings banks, trust banks) and the financial Depending on the purpose and characteristics of the system, 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 belongs to Those skilled in the art will clearly understand the detailed technical details of the financial system 960, and thus the detailed description thereof will be omitted for convenience. The present invention is not limited by the.

According to an embodiment of the present invention, the Internet banking server 900 interworks with the financial system 960 through the external system 961, and for this purpose, a predetermined interface means 955 is provided to the external system 961. It is preferable to include a component for interworking with the Internet banking server 900 through.

The internet banking server 900 may include a database 310 for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one client terminal, and / or Output of asset management information registered through a database 310 for storing Internet banking information required to provide a predetermined internet banking service in conjunction with the financial system 960, and / or the information registration system shown in FIG. And a DBMS 920 including a database 310 for storing information, or interworking with a data server equipped with the DBMS 920 according to an embodiment. A predetermined internet banking service is provided to the terminal.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the client terminal when at least one or more client terminals access and log in to the Internet banking server 900, and / or the customer Authorize the financial transaction customer during at least one financial transaction through a banking server 900, and / or authenticate the customer who subscribes to the financial product when the customer subscribes to the internet banking server 900 for at least one financial product. And the banking element information for processing the financial transaction corresponding to the financial transaction request in conjunction with the financial system 960 when the financial transaction request is made from the customer through the client terminal. Is preferred, and at least one of the Or more, but the information may further include, in the figure 9 will be omitted for convenience.

According to the implementation method of the present invention, the asset management information output information includes at least one deposit information accumulation date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information corresponding to at least one or more customer accounts Management of expenditure assets for customer spending assets, including at least one financial asset management information on customer financial assets, including one or more, and / or at least one of various utility bill information and card payment information. Information and / or asset management items including at least one of real estate asset management information and the like for customer real estate assets including at least one or more information including market information and market price information on the customer-owned building and / or land. Characterized in that the The customer effectively manages the assets of the customer during the non-face-to-face financial transaction through a predetermined non-face-to-face financial transaction system.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit credit information corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer, information on the due date of the deposit, information on the date of the loan interest payment, information on the date of the loan payment, and / or the above non- Various utility bill information and card payment expenditure information corresponding to the expenditure asset management item of the face-to-face financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. Customer-specified asset management that includes at least one information about market announcements and market price information. And at least one setting to output information.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), At least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the wireless banking screen, information on the date of earning the deposit deposit, date of arrival of the deposit, information on the date of payment of the loan interest, payment of the loan principal Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information of earned deposit accumulation date, information of deposit due date, information of arrival of loan interest payment date, payment of loan funds Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. Customer land that includes at least one information about the property, market price, etc. of the land owned by the customer and / or land. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

According to an embodiment of the present invention, the asset management information output information registered through the information registration system shown in FIG. 1 is not the DBMS 920 provided on the Internet banking system, but the DBMS 964 on the financial system. It may be provided in, and the present invention is not limited thereby.

Referring to FIG. 9, the Internet banking server 900 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more client terminals. 110 and 905, a web page operation unit 915 for operating a web page to be provided to at least one or more client terminals in cooperation with the web interface unit 110 and 905 and the DBMS 920, and A UI processing unit 910 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal in cooperation with the webpage operation unit 915, and the UI processing unit 910 In conjunction with the extract the predetermined content for providing the Internet banking service from the DBMS (920), or from the client terminal to be stored in the DBMS (920) And a content management unit 925 for receiving definition content, and a communication channel for processing Internet banking based on HTTP between the client terminal and the Internet banking server 900 by the function configuration. The user interface is implemented.

In addition, the Internet banking server 900 interoperates with the web page operation unit 915 through the UI processing unit 910 based on the customer authentication information of the Internet banking information to the at least one client terminal to the at least one client terminal screen. The customer authentication unit 930 is provided or receives at least one or more customer authentication information based on the interface screen.

In addition, the Internet banking server 900 is connected to the web page operation unit 915 through the UI processing unit 910 based on the banking element information of the Internet banking information to the financial transaction-related interface screen to at least one client terminal Or a banking processor 935 provided with at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 900 has a ledger processing unit 940 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system 960 through a predetermined interface means 955. The ledger processing unit 940 is preferably connected to the external system 961 of the financial system 960 through the interface means 955.

In addition, the Internet banking server 900 is linked to the financial system 960 through a predetermined interface means 955, customer-specific asset management information corresponding to at least one asset management item included in the asset management information output information. Characterized in that it comprises a information collecting unit 945 for collecting.

According to an exemplary embodiment of the present invention, the UI processing unit 910 and / or the webpage operation unit 915 may be configured by the non-face-to-face financial transaction customer collected through the information collection unit 945 on a predetermined financial transaction initial screen. Deposit deposit date arrival information, deposit due date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to financial asset management items, and / or the non-faceted financial transaction customer Various billing information and card payment expenditure information corresponding to the expenditure asset management item, and / or the notice price information and market price of the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. And providing the client terminal with customer specified asset management information including at least one of information and the like. The.

The customer authentication information stored in the DBMS 920 includes at least one of ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 900 through the client terminal. It is preferable to include the member information including the above, in this case, the customer authentication unit 930 interoperates with the UI processing unit 910 to request the ID / PW information of the customer to the client terminal, the client terminal And receiving the ID / PW information from the ID, and comparing the received ID / PW information with ID / PW information included in the member information, thereby authenticating the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 900 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The client terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Preferably, for this purpose, the customer authentication unit 930 preferably further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 920 may be a certification authority information (eg, KFTC) and certificate server information, and / or the official certificate registration that issued a predetermined official certificate to a customer connected through the client terminal. Organization information (e.g., if the official certificate is registered through the company, the information of the organization, the information of the other party if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification authority. In this case, the customer authentication unit 930 requests a certificate-based customer authentication through an authentication certificate registered by the registrar to the certificate server of the certification authority, and the customer authentication result from the certificate server. By receiving, characterized in that for authenticating the customer.

According to the method of the present invention, the customer authentication unit 930 provides the communication session information and the certificate information connected to the client terminal to the authentication server of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the client terminal, it is preferable to provide the result to the customer authentication unit 930.

In addition, the customer authentication information stored in the DBMS 920 may include a copy of a certificate of a customer accessing the Internet banking server 900 through the client terminal, and / or a predetermined certificate of authentication to the customer. It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 930 is based on the certificate to the client terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer Requesting customer information, receiving the certificate-based customer information from the client terminal, and authenticating the customer by authenticating the certificate-based customer information through a copy of the certificate and / or a directory of a certification authority. .

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 930 or a predetermined random number generated by the client terminal. Encrypting the random number through the at least one encryption method of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method through the public certificate To provide to the customer authentication unit 930 (for example, if the random number is generated in the client terminal further comprises a random number in the form of a plain text), the customer authentication unit 930 and a copy of the authentication certificate of the customer and / Or by comparing and decrypting an encrypted random number based on the certificate information of the customer extracted from the directory, and / or By intercomparison by encrypting the plaintext form of a random number (e.g., a random number, and / or a random number generated by the client terminal generated by the client authentication unit 930), it is desirable to authenticate the customer.

According to another embodiment of the present invention, the certificate-based customer information is stored information previously stored in the client terminal (for example, information stored in the storage device of the client terminal in the Internet banking server 900, and / or the Information (or system information) previously stored in the client terminal, and / or storage information (eg, IC card (and / or IC chip) read out from the IC card (and / or IC chip) interoperating with the client terminal. A serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the client terminal uses the certificate. Encrypting the stored information in at least one of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. A method of encrypting and providing the encrypted information to the customer authenticator 930 and storing the encrypted certificate based on the copy of the customer's authorized certificate and / or extracted from the directory by the customer authenticator 930. It is desirable to authenticate the customer by decrypting and comparing the information.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the client terminal (for example, information input through a key input device provided in the client terminal, and And / or information input through an input device (for example, a local area communication device, etc.) other than a key input device provided in the client terminal, in which case the client terminal symmetrics the input information through the public certificate. (Or secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or an encryption method through at least one or more of a key exchange encryption method to the customer authentication unit 930. And, the customer authentication unit 930 is a copy of the customer's official certificate and / or the authentication of the customer extracted from the directory By comparison over each other to decrypt the encrypted input information based on the certificate information, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 920 is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the One Time Password (OTP) authenticator provided to the customer, When the customer authentication unit 930 interoperates with the UI processing unit 910 to request a predetermined OTP code to the client terminal, receives the OTP code from the client terminal, and based on the OTP generation information By generating an OTP authentication code, by comparing the received OTP code and the generated OTP authentication code, it characterized in that to authenticate the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method in the client terminal to provide a more advanced security function And / or is encrypted and received through at least one encryption method among key exchange encryption methods, and for this purpose, the customer authentication unit 930 preferably further includes a function configuration for decrypting the OTP code. Do.

According to an embodiment of the present invention, at least one of the asset management information output information outputs different asset management information according to at least one or more non-face-to-face connection information (eg, customer authentication information) in addition to at least one asset management item. In the case where the Internet banking access information (eg, customer authentication information) is further included, the customer authentication unit 930 performs the customer authentication procedure through the customer authentication information, and then outputs the result of the UI processing unit 910. And / or to the webpage management unit 915, whereby the UI processing unit 910 and / or the webpage operation unit 915 correspond to the result of the customer authentication on a predetermined financial transaction initial screen. At least one asset management information collected through the information collection unit 945 in response to access information (eg, customer authentication information) (eg, the non-user). Earn deposit deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the above non Various utility bill information and card payment expenditure information corresponding to the expenditure asset management item of the face-to-face financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. It is preferable to provide a notice to the client terminal including information and market price information).

When at least one financial transaction is requested from the client terminal, the banking processor 935 provides the financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processing unit 910. When predetermined financial transaction request information is input (or selected) from the client terminal through the financial transaction request information input interface screen, the predetermined financial transaction request information corresponding to the financial transaction request information is referred to with reference to the banking element information. The financial transaction information is generated (or extracted) and provided to the ledger processing unit 940.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processing unit 935 interoperates with the UI processing unit 910 to transmit information to the client terminal (eg, withdrawal account number and withdrawal). Provides a predetermined interface screen for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and provides information (e.g., When a withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, the transfer amount is transferred from the withdrawal account with reference to the banking element information. Generates predetermined financial transaction information for withdrawing money and deposits it into the deposit account and provides it to the ledger processing unit 940.

According to an embodiment of the present invention, the banking processing unit 935 receives predetermined financial transaction request information from the client terminal, and interoperates with the customer authentication unit 930 to perform at least one customer authentication method. It is preferable to authenticate the customer requesting a transaction, thereby providing confidentiality and authentication for the customer who requested a financial transaction through the client terminal (or a customer who has inputted (or selected) a financial transaction request information and transmitted). Authentication, Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 935 may secure the confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the client terminal. The electronic signature of the customer is attached to the request information, and the financial transaction request information to which the electronic signature is attached is preferably encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 935. Preferably, the financial transaction request information is received from the client terminal, decrypted by a public key decryption method according to the public key infrastructure, and the electronic signature is verified. As a result, confidentiality and authentication of the financial transaction request information is performed. , Integrity and nonrepudiation are ensured.

Alternatively, the banking processing unit 935 may secure the confidentiality, authentication, integrity and non-repudiation of the financial transaction request information transmitted from the client terminal for at least one financial transaction. It is preferable to encrypt and transmit the electronic envelope method, in this case, the banking processing unit 935 preferably receives the financial transaction request information from the client terminal and decrypts the electronic envelope method, whereby the financial transaction request Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 940 may be linked with the financial system 960 through a predetermined interface unit 955, and predetermined financial transaction information may be generated (or extracted) by the banking processing unit 935. In this case, at least one ledger information to be extracted from the ledger on the financial system 960 corresponding to the financial transaction information is identified, and the identified from the ledger on the financial system 960 through the interface means 955. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 960 in response to the financial transaction information, and through the interface means 955, the financial system ( 960) record the generated (or extracted) ledger record information in the ledger on the screen.

For example, the financial transaction requested from the client terminal is an account inquiry transaction for the last month, and the banking processing unit 935 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or Is extracted), the ledger processing unit 940 is linked to the account ledger (and / or the customer ledger) on the financial system 960 through the interface means 955 based on the financial transaction information for the account inquiry The transaction history of the account is extracted from the transaction history of the account ledger) and provided to the banking processor 935.

The information collecting unit 945 is interlocked with the financial system 960 through a predetermined interface means 955, and the information is output from the DBMS 964 on the financial system 960 to the asset management information output information. Collecting customer-specific asset management information corresponding to at least one asset management item included.

According to an exemplary embodiment of the present invention, customer-specified asset management information collected by the information collecting unit 945 from the DBMS 964 provided on the financial system 960 is provided to the non-face-to-face financial transaction customer. Financial asset management information on customer financial assets, including at least one deposit deposit date arrival information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, etc. It is preferable to comprise at least one or more.

In addition, customer-specified asset management information collected by the information collection unit 945 from the DBMS 964 provided on the financial system 960 includes various billing information and a card to be paid by the non-face-to-face financial transaction customer. It is preferable to include at least one or more expenditure asset management information for the customer spending assets, including at least one or more billing payment information.

According to an embodiment of the present invention, the information collecting unit 945 is connected to the customer in connection with at least one billing system and / or a card payment system (not shown) through a predetermined interface means 955 and / or a communication network. It is desirable to collect more detailed expenditure asset management information for.

In addition, customer-specified asset management information collected by the information collection unit 945 from the DBMS 964 provided on the financial system 960 may be applied to the non-face-to-face financial transaction customer-owned building and / or land. Preferably, the land price information includes at least one real estate asset management information for the customer real estate assets including at least one information and market price information.

According to the method of the present invention, the information collection unit 945 is at least one registered management system (e.g., an electronic registration server (not shown) operated by a court) via a predetermined interface means 955 and / or a communication network. And / or e-government servers, etc.) to collect more detailed floating image asset management information for the customer.

Those skilled in the art to which the present invention belongs, at least one or more other assets registered by the information collecting unit 945 through the information registration system shown in FIG. Embodiments of collecting at least one other customer-specified asset management information corresponding to a management item may be inferred, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the information collecting unit 945 further collects securities asset information of the customer in connection with at least one securities system through a predetermined interface means 955 and / or a communication network. desirable.

FIG. 10 is a diagram illustrating a process of connecting financial transaction channels for non-face-to-face financial transactions that output customer specified asset management information according to an exemplary embodiment of the present invention.

More specifically, FIG. 10 illustrates one or more non-face-to-face financial transaction systems (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system and / or a home banking system). In the Internet banking system shown in FIG. 9, when the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet, etc.), the client terminal performs a predetermined customer authentication procedure. An embodiment of the present invention relates to a method of connecting an internet banking-based financial transaction channel between an internet banking server, and a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 10 and the client terminal and the internet. Various banking servers connect Internet banking-based financial transaction channels for non-face-to-face financial transactions One implementation method may be inferred, but the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 10 is based on the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of connecting an internet banking-based financial transaction channel for a non-face-to-face financial transaction between the client terminal and the internet banking server is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains is illustrated in FIG. Internet banking based non-face-to-face financial transactions between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using a browser program. Banking infrastructure It would be possible to infer an implementation method of linking a financial transaction channel, but the present invention includes provided internet banking based financial transactions based on the internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 10, a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems and / or home banking systems, may infer an implementation method for connecting non-face-to-face channel-based financial trading channels for non-face-to-face financial transactions, but the present invention may be inferred from the above. The present invention includes all kinds of non-face-to-face channel-based financial transactions, including telebanking systems and / or wireless banking systems and / or TV banking systems and / or home banking systems and / or future non-face-to-face banking systems. Is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 10, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 10, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1000), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel is a web page generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client terminal, and the browser provided to the client terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server may be configured with the Internet banking program and at least one or more information based on a predetermined communication protocol defined in the internet banking program. Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1010).

According to another exemplary embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server requests the Internet banking program for version information and / or last update date information, and the like. / Or a security module associated with the Internet banking program) can be updated.

If a predetermined security module is to be mounted and / or updated in the terminal (1015), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. Mount and / or update (1020).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1025), or if the terminal does not need to load and / or update the security module for internet banking (1015), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1030), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and the information to be provided from the terminal to the server for non-face-to-face financial transactions ( Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for non-face-to-face financial transactions. Attach a predetermined digital signature to information (or data) and / or at least one Encrypting and transmitting using an encryption method (and / or an encryption algorithm) on the server, the server verifies the digital signature and / or a predetermined decryption method (and / or decryption) corresponding to the encryption method (and / or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1035).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (1040), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transactions based on the customer authentication data received from the terminal. (1045).

If the Internet banking customer authentication fails (1050), the server blocks the Internet banking secure channel for the terminal (1055), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1050), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1060), where the Internet banking-based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment, .. Communication channel).

11 is a diagram illustrating a non-face-to-face financial transaction method for outputting customer specified asset management information according to an exemplary embodiment of the present invention.

More specifically, FIG. 11 illustrates one or more non-face-to-face financial transaction systems (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system and / or a home banking system). In the Internet banking system shown in FIG. 9, after the client terminal accesses the Internet banking server through a process shown in FIG. 10 and performs a predetermined customer authentication procedure, between the client terminal and the Internet banking server. When an internet banking-based financial transaction channel is connected to the client terminal, the client terminal requests a non-face-to-face financial transaction through the internet banking-based financial transaction channel, and processes the requested financial transaction in the internet banking server. And the results of the client through the internet banking-based financial transaction channel. As an embodiment of the present invention, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to, and / or modify, the Internet banking-based financial transaction channel between the client terminal and the internet banking server by referring to FIG. Various financial transaction methods 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.

That is, FIG. 11 shows the Internet banking-based financial transaction channel by accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. In this connection, although a method of processing a financial transaction requested from the client terminal through the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention pertains, the browser program shown in FIG. Internet banking-based financial transaction method of various forms between the client terminal and the Internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction method Would be able to infer, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify the Internet banking-based financial transaction method shown in FIG. 11, in addition to the internet banking system, a telebanking system and / or a wireless banking system. Other banking systems, such as systems and / or TV banking systems, may infer a non-face-to-face channel-based financial transaction method for non-face-to-face financial transactions, but the present invention is directed to the telebanking system and / or wireless banking system and / or TV. It includes all types of non-face-to-face channel-based financial transactions including banking system and / or non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is limited to the case of the Internet banking shown in FIG. Never.

Hereinafter, in FIG. 11, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 11, when the internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 10, the terminal is connected to the internet banking-based financial transaction channel for non-face-to-face financial transactions. When the server requests an internet banking-based financial transaction (1100), the server checks the requested internet banking-based financial transaction from the terminal, and then generates (or extracts) a predetermined financial transaction interface for the identified financial transaction. In order to extract the customer-specific asset management information output information registered through the information registration system shown in Figure 1 (1105).

According to one embodiment of the invention, the asset management information output information is preferably stored in a DBMS provided on the Internet banking system, according to another embodiment, the asset management information output information is the Internet banking system It is possible to extract from the ledger information of the DBMS provided on the financial system associated with, thereby the present invention is not limited.

Thereafter, the server is connected to the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) at least included in the asset management information output information At least one customer-specific asset management information corresponding to one or more asset management information items is collected (1110).

According to one embodiment of the invention, the server collects the customer in association with the financial system (and / or securities system, and / or bill payment system, and / or card payment system, and / or registration management system, etc.) The designated asset management information may include at least one or more accumulated deposit deposit arrival date information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, and the like. It is desirable to include financial asset management information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) Internet banking based financial transactions, and / or telebanking based financial transactions, and / or wireless banking based financial transactions, and / or TV banking based financial transactions used by non-face-to-face financial transactions customers at least It is preferable that the non-face-to-face channel through the non-face-to-face financial transaction system including one or more of the last transaction date / time information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) Preferably, the non-face-to-face financial transaction includes expenditure asset management information on customer expenditure assets including at least one of various utility bill information and card payment expenditure information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) The non-face-to-face financial transaction preferably includes real estate asset management information on customer real estate assets including at least one or more information including market information and market price information.

Those skilled in the art to which the present invention belongs, the server corresponds to at least one or more other asset management information items registered through the information registration system shown in FIG. An embodiment of collecting at least one other customer-specified asset management information may be inferred, and the present invention is not limited thereto.

According to another embodiment of the present invention, the customer-specified asset management information, the server is the financial system (and / or securities system, and / or utility bill receiving system, and / or card payment system, and / or registration management system, etc.) ), Before the non-face-to-face financial transaction occurs in advance and stored and managed in a predetermined database 310 in advance, and when the non-face-to-face financial transaction occurs, it can be provided to the terminal. The invention is not limited.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined financial transaction interface including the extracted customer-specified asset management information (1112), and generates (or generates) through the internet banking-based financial transaction channel. The extracted web page is transmitted to the terminal and output (1115).

According to an embodiment of the present invention, the financial transaction interface preferably comprises an information providing interface for outputting at least one customer-specific asset management information to the terminal for asset management of a customer during a predetermined internet banking-based financial transaction. Do.

Further, the financial transaction interface may include predetermined financial transaction request information for processing a predetermined internet banking-based financial transaction, and / or a predetermined password (e.g., a valid password for an internet banking customer requesting the financial transaction). Account password, etc.) and / or security code (e.g., the security code printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) (e.g., the internet banking application process (or internet banking application) It is preferable to further include a user interface for inputting (or selecting) a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution.

According to another exemplary embodiment of the present invention, when the asset management information output information further includes predetermined non-face-to-face access information corresponding to the customer authentication information confirmed through the customer authentication procedure shown in FIG. It is preferable to generate (or extract) a web page corresponding to a predetermined financial transaction interface corresponding to the asset management information output information matching the customer authentication information confirmed through the illustrated customer authentication procedure.

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one for each Internet banking-based financial transaction through the financial transaction interface (1120).

If the financial transaction request information is input (or selected) through the financial transaction interface at the terminal (1125), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Send (1130).

According to an embodiment of the present invention, transmitting the financial transaction request information (or selected) inputted through the financial transaction channel to the server may include the financial transaction request information input (or selected) through the financial transaction interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server checks and validates the validity of the financial transaction request information by receiving and reading the financial transaction request information through the financial transaction channel (1135).

According to an embodiment of the present invention, receiving and reading the financial transaction request information through the financial transaction channel to confirm validity may decode the financial transaction request information received from the terminal and / or the financial transaction request information. This includes checking the digital signature attached to it.

In addition, the validation of the financial transaction request information, preferably, further comprises authenticating a password and / or security code and / or OTP included in the financial transaction request information.

If the validity of the financial transaction request information is not authenticated (1140), the server generates a web page including predetermined financial transaction error information and transmits it to the terminal (1145), corresponding to the financial transaction request information. Do not perform financial transaction procedures.

On the other hand, if the validity of the financial transaction request information is authenticated (1140), the server performs a financial transaction procedure corresponding to the financial transaction request information (1150).

According to an embodiment of the present invention, the financial transaction procedure corresponding to the financial transaction request information may be performed by accessing the ledger of the Internet banking customer provided on the financial system from the server to the ledger information corresponding to the financial transaction request information. Or at least one additional information associated with the ledger information).

If the financial transaction corresponding to the financial transaction request information fails (for example, if an error occurs during the financial transaction procedure) (1155), the server generates a web page including predetermined financial transaction error information. In step 1145, the terminal does not perform a financial transaction procedure corresponding to the financial transaction request information.

On the other hand, if a financial transaction corresponding to the financial transaction request information is successful (1155), the server generates a web page including predetermined financial transaction history information and transmits the webpage to the terminal (1160), thereby requesting the financial transaction requested from the terminal. To complete.

12 is a block diagram of a non-face-to-face financial transaction system for outputting customer specified asset management information according to another exemplary embodiment of the present invention.

More particularly, FIG. 12 illustrates at least one non-face to face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). In a telebanking system operated based on a voice calling network including a public switched telephone network (PSTN) and / or a mobile communication network, a customer-specified voice guidance is provided through an information registration system shown in FIG. As a method for implementing a non-face-to-face financial transaction system for outputting a customer-specified voice announcement of the telebanking system based on predetermined asset management information output information registered for setting up a comment, a general method in the art to which the present invention pertains. If you have the knowledge, non-face-to-face financing other than the telebanking system by referring to and / or modifying this drawing 12 Outputting predetermined asset management information registered through an information registration system shown in FIG. 1 in a network system (e.g., an Internet banking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system) Various implementation methods for outputting the initial screen of the non-face-to-face financial transaction system based on the information may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG. No.

In accordance with a preferred method of the present invention at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). ), A telebanking system operating based on a voice call network including a public switched telephone network (PSTN) and / or a mobile communication network, has a predetermined voice call function and a dual tone multi-frequency signal (DTMF). At least one call terminal having a processing function and a telebanking server 1200 for providing a telebanking service to at least one of the call terminals, wherein the telebanking server 1200 includes a predetermined interface means ( 1255 is associated with a financial system 1260 that processes the financial business required to provide the telebanking service.

Those skilled in the art to which the present invention pertains can easily guess the omitted components for convenience because they do not include the core technical matters of the present invention in the telebanking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 12 illustrates a method of implementing a telebanking system for processing non-face-to-face financial transactions between the call terminal and the telebanking server based on the voice call function and the DTMF signal processing function provided in the call terminal. Those skilled in the art may refer to and / or modify a telebanking system using a voice call function and a DTMF signal processing function shown in FIG. It is possible to infer a configuration of a telebanking system for processing non-face-to-face financial transactions between the call terminal and the telebanking server through an intelligent communication network based on a communication function. However, the present invention provides a service based on the data communication function. Including a telebanking system, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the telebanking system by referring to and / or modifying the telebanking system configuration shown in Figure 12, in addition to the non-face-to-face channel-based financial transactions according to the present invention It would be possible to infer another banking system, such as an internet banking system and / or a wireless banking system and / or a TV banking system and / or a home banking system, but the present invention provides the telebanking system and / or the wireless banking system and / or Or all types of non-face-to-face channel banking systems, including TV banking systems and / or home banking systems and / or non-face-to-face channel banking systems proposed in the future, wherein the technical configuration of the present invention is illustrated in FIG. It is by no means limited to.

In FIG. 12, the asset management information output information may be an accurate term based on voice-based initial interface setting information due to the characteristics of a telebanking system operating based on a voice call channel. Although the asset management information output information is used as it is for the term unification, but if the person having ordinary knowledge in the technical field to which the present invention belongs, the asset management information output information means in the telebanking system shown in FIG. It will be able to easily infer that, the present invention is not limited thereby.

The call terminal accesses the telebanking server 1200 based on a wired telephone function based on a general telephone switching network (PSTN) and the wired telephone function to provide an automatic response service (ARS) based on DTMF signal processing. And at least one landline telephone having a voice call function and a DTMF signal processing function for receiving, wherein the call terminal is non-face-to-face with the telebanking server 1200 through the PSTN. It is characterized by connecting a currency channel for financial transactions.

In addition, the call terminal accesses the tele-banking server 1200 based on the CDMA-based mobile communication network based on the wireless communication function and the wireless call function, and based on DTMF signal processing, an answering service (ARS) And at least one mobile telephone (or wireless telephone) having a voice call function and a DTMF signal processing function for receiving the call, wherein the call terminal comprises the telebanking server through the mobile communication network. 1200) and a currency channel for non-face-to-face financial transactions.

In addition, the call terminal accesses the wired / wireless call function based on VoIP (Voice over Internet Protocol) based VoIP network and the telebanking server 1200 based on the wired / wireless call function to provide DTMF signal processing based answering service (ARS). And at least one VoIP terminal having a voice call function and a DTMF signal processing function for receiving the call), wherein the call terminal is non-face-to-face with the telebanking server 1200 through the VoIP network. It is characterized by connecting a currency channel for the transaction.

The financial system 1260 is a computer system provided in a predetermined financial institution to open at least one financial account to at least one or more customers and to process a financial transaction based on the financial account. Account system 1262 for handling counter services such as credit or receipt or trust or foreign exchange incurred; information system 1262 for processing headquarters operations, branch office information support and customer information management; Provides various electronic financial services (e.g., telebanking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc. by connecting with external computer networks including companies, retailers and card companies An interface corresponding to an external system 1261, and a middleware platform that provides interfacing between components in the financial system. At least to store and manage the eS module 1265 and predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. A database management system (DBMS) 1264 including one or more databases 310, comprising the intention of the person skilled in the art and / or the type of each financial institution (e.g., commercial banks, savings banks, trust banks) Depending on the purpose and characteristics of the system, 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 belongs to Those skilled in the art will clearly understand the technical details of the financial system 1260, and thus detailed description thereof will be omitted for convenience. , To which the present invention is not limited.

According to an embodiment of the present invention, the telebanking server 1200 is interlocked with the financial system 1260 through the external system 1261. For this purpose, the external bank 1261 has a predetermined interface means 1255. It is preferable to include a component for interworking with the tele-banking server 1200 through.

The telebanking server 1200 may include at least one announcement source (eg, a voicement source for financial transaction guidance) and a transaction source (eg, to provide a predetermined answering service (ARS) to at least one call terminal). Requesting to provide a predetermined telebanking service in conjunction with a database 310 for storing voicement data including a voicement source formed by combining DTMF signals input by a customer, and / or the financial system 1260. And a DBMS 1220 including a database 310 for storing telebanking information, and / or a database 310 for storing asset management information output information registered through the information registration system shown in FIG. Alternatively, the DBMS 1220 may be interoperable with a data server provided according to an embodiment, whereby at least one or more The predetermined telephone banking service is provided to the communication terminal.

According to an embodiment of the present invention, the telebanking information may be configured to authenticate a customer corresponding to the call terminal when at least one or more call terminals access and log in to the tele banking server 1200, and / or the customer Authenticate the financial transaction customer during at least one financial transaction through a banking server 1200, and / or authenticate the customer who subscribes to the financial product when the customer subscribes to the at least one financial product with the telebanking server 1200. And the banking element information for processing the financial transaction corresponding to the financial transaction request in conjunction with the financial system 1260 when the financial transaction request is made from the customer through the call terminal. Preferably, at least one or more information necessary for telebanking is further included according to the intention of the skilled person. However, in the case of FIG. 12 will be omitted for convenience.

According to the implementation method of the present invention, the asset management information output information includes at least one deposit information accumulation date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information corresponding to at least one or more customer accounts Spending asset management information for customer spending assets, including at least one financial asset management information for the customer financial assets, including at least one, and / or at least one of various billing information and card payment information to be paid by the customer And / or an asset management item including at least one real estate asset management information for a customer real estate asset including at least one of information on market value and market price information on the customer-owned building and / or land. Characterized in that the The customer effectively manages the assets of the customer during the non-face-to-face financial transaction through a predetermined non-face-to-face financial transaction system.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer and / or expenditure asset management) corresponding to at least one asset management item in a home banking-based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

According to the embodiment of the present invention, the asset management information output information registered through the information registration system shown in FIG. 1 is not the DBMS 1220 provided on the telebanking system, but the DBMS 1264 on the financial system. It may be provided in, and the present invention is not limited thereby.

Referring to FIG. 12, the telebanking server 1200 includes a call path setting unit 1205 for connecting and managing a voice call channel for providing a predetermined telebanking service to at least one call terminal, and the call path. A DTMF processing unit 1215 for reading a number / character corresponding to the DTMF signal by reading a DTMF signal received from at least one call terminal in connection with a setting unit 1205 and the DBMS 1220, and A UI processing unit 1210 for generating a voice-based user interface (UI) screen for providing a predetermined telebanking service to at least one call terminal in cooperation with a DTMF processing unit 1215, and the UI processing unit 1210 Providing the telebanking service through at least one voicement data (eg, announcement source, and / or transaction source) stored in the DBMS 1220 in conjunction with And a voicement management unit 1225 for generating (or extracting) a predetermined voicement (for example, a guidement and / or a transaction) for the mobile terminal. A call channel and a user interface for processing voice-based telebanking are implemented between the banking servers 1200.

In addition, the telebanking server 1200 may provide a customer authentication interface to at least one call terminal by interworking with the DTMF processor 1215 through a UI processor 1210 based on the customer authentication information of the telebanking information, On the basis of the interface is characterized in that it comprises a customer authentication unit 1230 to receive at least one or more customer authentication information.

In addition, the telebanking server 1200 may provide a financial transaction related interface to at least one call terminal by interworking with the DTMF processor 1215 through a UI processor 1210 based on the banking element information of the telebanking information. And a banking processor 1235 receiving at least one financial transaction related information based on the interface.

In addition, the telebanking server 1200 includes a ledger processing unit 1240 that performs a ledger processing procedure corresponding to the financial transaction requested by the customer in cooperation with the financial system 1260 through a predetermined interface means 1255. The ledger processing unit 1240 is preferably connected to the external system 1261 of the financial system 1260 through the interface unit 1255.

In addition, the telebanking server 1200 is linked with the financial system 1260 through a predetermined interface means 1255, customer-specific asset management information corresponding to at least one asset management item included in the asset management information output information. Characterized in that it comprises an information collecting unit 1245 to collect.

According to the exemplary embodiment of the present invention, the UI processing unit 1210 and / or the voicement operation unit 1215 may be configured by the non-face-to-face financial transaction customer collected through the information collection unit 1245 on a predetermined financial transaction initial screen. Deposit deposit date arrival information, deposit due date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to financial asset management items, and / or the non-faceted financial transaction customer Various billing information and card payment expenditure information corresponding to the expenditure asset management item, and / or the notice price information and market price of the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. Characterized by the customer specified asset management information including at least one or more information provided to the call terminal The.

The customer authentication information stored in the DBMS 1220 may include at least one of ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the telebanking server 1200 through the call terminal. It is preferable to include the member information including the above, wherein the customer authentication unit 1230 requests the ID / PW information of the customer to the call terminal in conjunction with the UI processing unit 1210, the call terminal And receiving the ID / PW information from the ID, and comparing the received ID / PW information with ID / PW information included in the member information, thereby authenticating the customer.

According to an embodiment of the present invention, the ID / PW information may be provided to the telebanking server 1200 according to a conventional ID / PW transmission and reception procedure, but the voice call network includes an intelligent network capable of data communication. When the call terminal is provided with a data communication function, the ID / PW information is provided in the call terminal in a symmetric key (or secret key) encryption method, and / or public key encryption method, And / or is encrypted and received through at least one or more of an electronic envelope encryption scheme and / or a key exchange encryption scheme. For this purpose, the customer authentication unit 1230 is configured to decrypt the ID / PW information. It is preferable to further comprise a functional configuration.

In addition, when the voice call network includes an intelligent network capable of data communication, and when the call terminal is provided with a data communication function, the customer authentication information stored in the DBMS 1220 is transmitted to the customer connected through the call terminal. Certification authority information (eg, KFTC) and certificate server information, and / or certification authority registration authority information (e.g., if the certification certificate is registered through the process, the certification information, the certification certificate) And other certificate information, etc.), and / or certificate information issued to the customer by the certificate authority, wherein the customer authentication unit 1230 is a certificate server of the certificate authority. Requesting a certificate-based customer certification through an accredited certificate registered by the registrar and requesting the customer from the authentication server By receiving an authentication result, the customer is characterized in that the authentication.

According to the method of the present invention, when the voice call network includes an intelligent network capable of data communication, and the data communication function is provided in the call terminal, the customer authentication unit 1230 is an authentication server of the authentication authority. And providing the communication session information and the certificate information connected to the call terminal, wherein the authentication server performs a customer authentication procedure corresponding to the certificate information to the call terminal based on the communication session information, and then outputs the result. It is preferable to provide to the customer authentication unit 1230.

In addition, when the voice call network includes an intelligent network capable of data communication, and when the call terminal is provided with a data communication function, the customer authentication information stored in the DBMS 1220 is transmitted through the call terminal. It is preferable to include a copy of the authentication certificate of the customer to access the 1200, and / or directory connection information of the certification authority that issued a predetermined certificate to the customer, wherein the customer authentication unit In operation 1230, the certificate-based customer information is requested to the call terminal in connection with the authentication server of the certification authority that issued the predetermined certificate to the customer, the certificate-based customer information is received from the call terminal, and the certificate-based By authenticating customer information through a copy of the accredited certificate and / or through a directory of It characterized in that to authenticate the customer.

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1230 or a predetermined random number generated by the call terminal. Encrypting the random number through the at least one encryption method of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method through the public certificate To provide to the customer authentication unit 1230 (for example, if the random number is generated in the call terminal further includes a random number in the form of a plain text), the customer authentication unit 1230 and a copy of the authentication certificate of the customer and And / or decrypt and compare encrypted random numbers based on the certificate information of the customer extracted from the directory, and / or the plain text form. By intercomparison by encrypting the random number (e.g., a random number, and / or a random number generated by the call terminal generated by the client authentication unit 1230), it is desirable to authenticate the customer.

According to another embodiment of the present invention, the certificate-based customer information is stored information previously stored in the call terminal (for example, information stored in the storage device of the call terminal in the tele-banking server 1200, and / or the Information (or system information) previously stored in the call terminal, and / or storage information (eg, an IC card (and / or IC chip) read out from an IC card (and / or IC chip) interworking with the call terminal. A serial number and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in this case, the call terminal may Encrypting the stored information through at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. By providing to the increment (1230), by decrypting the encrypted stored information based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory in the customer authentication unit 1230, It is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the call terminal (for example, information input through a key input device provided in the call terminal, and And / or information input through an input device other than a key input device (for example, a short-range communication device, etc.) provided in the call terminal, in which case the call terminal uses the public certificate to symmetrically input the input information. (Or a secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method through at least one of the encryption methods and provided to the customer authentication unit 1230. And based on a copy of the customer's certificate and / or the certificate information of the customer extracted from the directory by the customer certificate unit 1230. By intercomparison decrypts the input information expensive, it is desirable to authenticate the customer.

In addition, when the voice call network includes an intelligent network capable of data communication, and when the call terminal is provided with a data communication function, customer authentication information stored in the DBMS 1220 is provided to the customer by one time password. OTP generation information for generating an OTP authentication code matching the OTP code generated through the authenticator is preferably made, wherein the customer authentication unit 1230 is linked to the call terminal in conjunction with the UI processing unit 1210 By requesting a predetermined OTP code, receiving the OTP code from the call terminal, generating a predetermined OTP authentication code based on the OTP generation information, and comparing the received OTP code with the generated OTP authentication code. Characterized in that for authenticating the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method in the call terminal to provide a more advanced security function And / or is encrypted and received through at least one encryption method among key exchange encryption methods, and for this purpose, the customer authentication unit 1230 preferably further includes a function configuration for decrypting the OTP code. Do.

According to an embodiment of the present invention, at least one of the asset management information output information outputs different asset management information according to at least one or more non-face-to-face connection information (eg, customer authentication information) in addition to at least one asset management item. In the case where the above-mentioned telebanking access information (eg, customer authentication information) is further included, the customer authentication unit 1230 performs the customer authentication procedure through the customer authentication information, and then outputs the result of the UI processing unit 1210. And / or voice announcement manager 1215, whereby the UI processing unit 1210 and / or voice announcement manager 1215 correspond to the result of the customer authentication on a predetermined financial transaction initial screen. At least one asset management information collected through the information collection unit 1245 in response to access information (eg, customer authentication information) (eg, the non- If the financial transaction customer's financial asset management items correspond to at least one customer account, the deposit deposit date arrival information, deposit due date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the above Various utility billing information and card payment expenditure information corresponding to expenditure asset management items of a non-face-to-face financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer It is desirable to provide the announcement to the call terminal, including information and market price information).

When at least one financial transaction is requested from the call terminal, the banking processor 1235 provides a financial transaction request information input interface corresponding to the requested financial transaction to the call terminal in cooperation with the UI processor 1210. When predetermined financial transaction request information is input (or selected) from the call terminal through the financial transaction request information input interface, the predetermined financial transaction corresponding to the financial transaction request information is referred to with reference to the banking element information. The information may be generated (or extracted) and provided to the ledger processor 1240.

For example, when the financial transaction requested from the call terminal is a bank transfer transaction, the banking processor 1235 is linked with the UI processor 1210 to transmit information to the call terminal (eg, withdrawal account number and withdrawal). It provides a predetermined interface for inputting (or selecting) an account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and through the interface, information required for the account transfer (e.g. withdrawal account) Number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is received (or selected) in the form of DTMF signal, and received from the withdrawal account with reference to the banking element information. The predetermined amount of financial transaction information for withdrawing money and depositing the money into the deposit account is generated and provided to the ledger processor 1240.

According to an embodiment of the present invention, the banking processor 1235 receives the predetermined financial transaction request information from the call terminal, and interoperates with the customer authentication unit 1230 to perform the at least one customer authentication method. It is preferable to authenticate the customer who requested the transaction, thereby making sure of the confidentiality and authentication of the customer who requested the financial transaction through the call terminal (or the customer who sent (or selected) the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 1235 is configured to secure confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the call terminal. The electronic signature of the customer is attached to the request information, and the financial transaction request information to which the electronic signature is attached is preferably encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 1235 Preferably, the financial transaction request information is received from the call terminal, decrypted by a public key decryption method according to the public key infrastructure, and the electronic signature is verified. As a result, confidentiality and authentication of the financial transaction request information is performed. , Integrity and nonrepudiation are ensured.

Alternatively, the banking processor 1235 may request the financial transaction request information from the call terminal to secure confidentiality, authentication, integrity, and non-repudiation of the financial transaction request information transmitted from the call terminal for at least one financial transaction. It is preferable to transmit the encrypted by the electronic envelope method, in this case, the banking processing unit 1235 receives the financial transaction request information from the call terminal is preferably decrypted by the electronic envelope method, thereby the financial transaction request Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 1240 may be linked with the financial system 1260 through a predetermined interface means 1255, and predetermined financial transaction information is generated (or extracted) by the banking processing unit 1235. In this case, at least one ledger information to be extracted from the ledger on the financial system 1260 corresponding to the financial transaction information is identified, and the identified from the ledger on the financial system 1260 through the interface means 1255. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 1260 in response to the financial transaction information, and through the interface means 1255, the financial system ( And recording the generated (or extracted) ledger record information in the ledger on 1260).

For example, the financial transaction requested from the call terminal is an account inquiry transaction for the last month, and the banking processor 1235 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or And the ledger processing unit 1240 is linked to the account ledger (and / or the customer ledger) on the financial system 1260 through the interface means 1255 based on the financial transaction information for the account inquiry. Transaction history of the account from the transaction history information associated with the account ledger) is extracted from the transaction history of the account and provided to the banking processor 1235.

The information collecting unit 1245 is interlocked with the financial system 1260 through a predetermined interface means 1255, and the information management information output information from the DBMS 1264 on the financial system 1260. Collecting customer-specific asset management information corresponding to at least one asset management item included.

According to an exemplary embodiment of the present invention, customer-specified asset management information collected by the information collecting unit 1245 from the DBMS 1264 provided on the financial system 1260 is provided to the non-face-to-face financial transaction customer. Financial asset management information on customer financial assets, including at least one deposit deposit date arrival information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, etc. It is preferable to comprise at least one or more.

In addition, customer-specified asset management information collected by the information collection unit 1245 from the DBMS 1264 provided on the financial system 1260 includes various billing information and a card to be paid by the non-face-to-face financial transaction customer. It is preferable to include at least one or more expenditure asset management information for the customer spending assets, including at least one or more billing payment information.

According to an embodiment of the present invention, the information collecting unit 1245 is connected to the customer in connection with at least one billing system and / or a card payment system (not shown) through a predetermined interface means 1255 and / or a communication network. It is desirable to collect more detailed expenditure asset management information for.

In addition, customer-specified asset management information collected by the information collecting unit 1245 from the DBMS 1264 provided on the financial system 1260 may be applied to the non-face-to-face financial transaction customer-owned building and / or land. Preferably, the land price information includes at least one real estate asset management information for the customer real estate assets including at least one information and market price information.

According to the method of the present invention, the information collecting unit 1245 is at least one registered management system (e.g., an electronic registration server operated by the court (not shown)) through a predetermined interface means 1255 and / or a communication network. And / or e-government servers, etc.) to collect more detailed floating image asset management information for the customer.

Those skilled in the art to which the present invention belongs, at least one or more other assets registered by the information collecting unit 1245 through the information registration system shown in FIG. Embodiments of collecting at least one or more other customer specified asset management information corresponding to the management item may be inferred, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the information collecting unit 1245 further collects securities asset information of the customer in connection with at least one securities system through a predetermined interface means 1255 and / or a communication network. desirable.

13A and 13B illustrate a non-face-to-face financial transaction method for outputting customer specified asset management information according to another exemplary embodiment of the present invention.

More specifically, FIGS. 13A and 13B illustrate at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system and / or home banking). In the telebanking system shown in FIG. 12, the call terminal performs a predetermined call processing procedure through a predetermined voice call network to connect a call channel with the telebanking server. Request a voice call and DTMF-based non-face-to-face financial transaction to the telebanking server through the telebanking-based call channel, process the requested financial transaction at the telebanking server, and process the telebanking-based call channel as a result. The present invention provides a method for providing to the call terminal, and has a general knowledge in the technical field to which the present invention belongs. However, various financial transaction methods using a telebanking-based communication channel between the call terminal and the telebanking server may be inferred by referring to and / or modifying the drawings 13a and 13b, but the present invention provides all the inferred embodiments. It includes a method, and is not limited to the embodiment shown in Figs. 13A and 13B.

That is, FIGS. 13A and 13B show the telebanking server through a predetermined voice call network (eg, a general telephone switching network (PSTN), a mobile communication network, and / or a VoIP network, etc.) provided in the call terminal. When the tele-banking-based communication channel is connected to the communication channel, a method of processing a financial transaction requested by the call terminal is illustrated. However, if the person of ordinary skill in the art to which the present invention pertains belongs, FIGS. Reference and / or modification of a telebanking method using a voice call function and a DTMF signal processing function as shown in FIG. 2 to establish a predetermined data communication function between the call terminal and the telebanking server through an intelligent call network. Although it may be possible to infer a telebanking method for processing a non-face-to-face financial transaction, the present invention is based on the data communication function. Which it includes a telebanking method, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify the telebanking-based financial transaction method shown in FIGS. 13A and 13B, and in addition to the telebanking system, the Internet banking system and / or Alternatively, another banking system such as a wireless banking system and / or a TV banking system may infer a non-face-to-face channel-based financial transaction method for non-face-to-face financial transactions, but the present invention provides the telebanking system and / or the wireless banking system and And / or a non-face-to-face channel based financial transaction method of any kind, including a TV banking system and / or a non-face-to-face channel banking system proposed in the future, and the technical configuration of the present invention is illustrated in FIGS. 13A and 13B. It is by no means limited to.

In the following Figures 13a and 13b, the call terminal is referred to as "terminal" for convenience, and the telebanking server is referred to as "server" for convenience.

Referring to FIGS. 13A and 13B, the terminal is configured through at least one switch provided in the voice call network (eg, a general telephone switched network (PSTN), and / or a mobile communication network, and / or a VoIP network, etc.). The call processing procedure of the server connects a predetermined communication channel for the non-face-to-face financial transaction based on the telebanking, and performs a telebanking based customer authentication procedure (1300).

Those skilled in the art to which the present invention pertains, the terminal is at least one provided in the voice call network (e.g., general switched telephone network (PSTN), and / or mobile communication network, and / or VoIP network, etc.) By performing a predetermined call processing procedure through the above-described exchange, the technical features that the predetermined communication channel for the non-face-to-face financial transactions based on the server and the telebanking-based customer authentication through at least one customer authentication information Since you will be familiar with the technical features of the procedure, a detailed description thereof will be omitted for convenience.

If the telebanking-based customer authentication is confirmed (1305), the terminal requests a telebanking-based financial transaction to the server through the telebanking-based call channel (1310), the server is requested telebanking from the terminal After checking the underlying financial transaction, the customer-specified asset management information output information registered through the information registration system shown in FIG. 11 is extracted to generate (or extract) a predetermined financial transaction interface for the identified financial transaction. (1315).

According to one embodiment of the invention, the asset management information output information is preferably stored in a DBMS provided on the tele-banking system, according to another embodiment, the asset management information output information is the telebanking It is possible to extract from the ledger information of the DBMS provided on the financial system associated with the system, whereby the present invention is not limited.

Thereafter, the server is connected to the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) at least included in the asset management information output information Collecting at least one customer-specific asset management information corresponding to one or more asset management information items (z10).

According to one embodiment of the invention, the server collects the customer in association with the financial system (and / or securities system, and / or bill payment system, and / or card payment system, and / or registration management system, etc.) The designated asset management information may include at least one or more accumulated deposit deposit arrival date information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, and the like. It is desirable to include financial asset management information.

In addition, customer-specified asset management information collected by the server in connection with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.), Internet banking based financial transactions, and / or telebanking based financial transactions, and / or wireless banking based financial transactions, and / or TV banking based financial transactions used by the non-face-to-face financial transactions customers, and / or home banking based financial transactions. It is preferable that the non-face-to-face channel through the non-face-to-face financial transaction system including at least one of the last transaction date / time information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) Preferably, the non-face-to-face financial transaction includes expenditure asset management information on customer expenditure assets including at least one of various utility bill information and card payment expenditure information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) The non-face-to-face financial transaction preferably includes real estate asset management information on customer real estate assets including at least one or more information including market information and market price information.

Those skilled in the art to which the present invention belongs, the server corresponds to at least one or more other asset management information items registered through the information registration system shown in FIG. An embodiment of collecting at least one other customer-specified asset management information may be inferred, and the present invention is not limited thereto.

According to another embodiment of the present invention, the customer-specified asset management information, the server is the financial system (and / or securities system, and / or utility bill receiving system, and / or card payment system, and / or registration management system, etc.) ) Is collected in advance before the non-face-to-face financial transaction occurs and stored and managed in a predetermined database 310 in advance, and when the non-face-to-face financial transaction occurs, it can be provided to the terminal, thereby the present invention It is not limited.

Thereafter, the server generates (or extracts) a voice memo (eg, announcement, and / or transaction) corresponding to a predetermined financial transaction interface including the extracted customer designated asset management information (z17), The generated (or extracted) voicement (for example, a guidement and / or a transaction) is transmitted to the terminal through the telebanking-based communication channel (1325).

According to an embodiment of the present invention, the financial transaction interface comprises an information providing interface for outputting at least one customer-specific asset management information to the terminal for asset management of a customer during a predetermined banking-based financial transaction. desirable.

Further, the financial transaction interface may include predetermined telebanking-based financial transaction request information for processing a predetermined telebanking-based financial transaction, and / or a predetermined password to verify validity of the telebanking customer requesting the financial transaction. (E.g., account password, etc.) and / or security code (e.g., the security code printed on the security card issued to the customer during the telebanking application process) and / or One Time Password (OTP) (e.g., the telebanking application process (or It is preferable to further include a user interface for inputting (or selecting) an OTP authenticator (or a one-time password generated through an OTP authentication program) provided to a customer by a financial institution after a telebanking application.

According to another exemplary embodiment of the present invention, when the asset management information output information further includes predetermined non-face-to-face access information corresponding to the customer authentication information confirmed through the customer authentication procedure, the server may perform the customer authentication procedure. It is preferable to generate (or extract) a voicement (eg, announcement and / or transaction) corresponding to a predetermined financial transaction interface corresponding to the asset management information output information matched with the customer authentication information confirmed through Do.

In addition, the process of transmitting and / or outputting the voicement (eg, announcement and / or transaction) is preferably performed at least once according to the telebanking financial transaction procedure, whereby the present invention is not limited thereto. .

Thereafter, the terminal inputs (or selects) the telebanking-based financial transaction request information including at least one for each telebanking-based financial transaction through the financial transaction interface (1330).

If the terminal inputs (or selects) the banking based financial transaction request information through the financial transaction interface (1335), the terminal inputs (or selects) the telebanking based financial transaction through the financial transaction channel. The request information is transmitted to the server (1340).

According to the exemplary embodiment of the present invention, the transmitting (or selecting) the telebanking-based financial transaction request information through the financial transaction channel to the server may include inputting (or selecting) the telebanking through the financial transaction interface. It comprises the electronic financial signature and / or encryption through the security module provided in the terminal based on the financial transaction request information transmitted to the server.

Thereafter, the server checks the validity of the telebanking-based financial transaction request information by receiving and reading the telebanking-based financial transaction request information through the financial transaction channel (1345).

According to an embodiment of the present invention, receiving and reading the telebanking-based financial transaction request information through the financial transaction channel to confirm the validity may decode the telebanking-based financial transaction request information received from the terminal and / or Or checking the electronic signature attached to the telebanking-based financial transaction request information.

In addition, the validity check of the telebanking-based financial transaction request information, preferably further comprises authenticating the password and / or security code and / or OTP included in the telebanking-based financial transaction request information.

If the validity of the telebanking-based financial transaction request information is not authenticated (1350), the server generates a voicement (eg, a guidement and / or a transaction) including predetermined financial transaction error information. In step 1355, the terminal does not perform a financial transaction procedure corresponding to the telebanking-based financial transaction request information.

On the other hand, if the validity of the telebanking-based financial transaction request information is authenticated (1350), the server performs a financial transaction procedure corresponding to the telebanking-based financial transaction request information (1360).

According to an embodiment of the present invention, a financial transaction procedure corresponding to the telebanking-based financial transaction request information may include accessing the ledger of the telebanking customer provided on the financial system from the server to the telebanking-based financial transaction request information. It is preferable to include the addition / change / update procedure for the ledger information (or at least one or more additional information associated with the ledger information).

If a financial transaction corresponding to the telebanking-based financial transaction request information fails (eg, an error occurs during the financial transaction procedure) (1365), the server may include a voice message including predetermined financial transaction error information. (Eg, an announcement and / or a transaction) is generated and transmitted to the terminal (1355), and the financial transaction procedure corresponding to the telebanking based financial transaction request information is not performed.

On the other hand, if a financial transaction corresponding to the telebanking-based financial transaction request information is successful (1365), the server generates a voicement (eg, an announcement and / or a transaction) including predetermined financial transaction history information. By transmitting to the terminal (1370), the financial transaction requested from the terminal is completed.

14 is a diagram illustrating a non-face-to-face financial transaction system configuration outputting customer-specified asset management information according to another exemplary embodiment of the present invention.

More particularly, FIG. 14 illustrates at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). In the WAP-based wireless banking system operating based on a WAP / ME (Wireless Application Protocol / Mobile Explorer) based wireless communication network (for example, a CDMA-based mobile communication network), the customer designation is performed through the information registration system shown in FIG. As a method for implementing a non-face-to-face financial transaction system for outputting a customer-specified initial screen of the WAP-based wireless banking system based on predetermined asset management information output information registered for initial screen setting, Those skilled in the art will be able to refer to and / or modify this drawing 14 to provide other non-WAP based wireless banking systems. Management of certain assets registered through an information registration system shown in FIG. 1 in a financial transaction system (e.g., a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). Although various implementation methods for outputting the initial screen of the non-face-to-face financial transaction system based on the information output information may be inferred, the present invention includes all of the inferred implementation methods, and according to the implementation method illustrated in FIG. It is not limited.

In accordance with a preferred method of the present invention, at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system, and / or a home banking system). WAP-based wireless banking system operating based on a WAP / ME-based wireless communication network (for example, CDMA-based mobile communication network), at least one or more wireless terminals 140 with a predetermined browser and at least one or more wireless It comprises a wireless banking server 1400 for providing a WAP-based wireless banking service to the terminal 140, the wireless banking server 1400 provides the WAP-based wireless banking service through a predetermined interface means 1455 It is associated with a financial system 1460 that handles the financial business required to do so.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the WAP-based wireless banking system shown in FIG. However, the present invention is not limited to the components omitted.

That is, FIG. 14 illustrates a method of implementing a WAP-based wireless banking system for processing non-face-to-face financial transactions between the wireless terminal 140 and a wireless banking server based on a predetermined browser program provided in the wireless terminal 140. Although illustrated, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify a WAP-based wireless banking-based financial transaction channel connection method using the browser program shown in FIG. A WAP-based wireless banking system for processing non-face-to-face financial transactions between the wireless terminal 140 and the wireless banking server based on a predetermined internet banking program installed in the 140, and / or the wireless terminal 140 Infer the configuration of WAP-based wireless banking system to process non-face-to-face financial transactions using predetermined financial IC chip mounted or detached, And / or wireless banking system configuration using the IEEE 802.16x-based portable Internet and / or IEEE 802.11x-based wireless LAN using MIP (Mobile IP) in addition to the WAP / ME based wireless banking system, the present invention can be inferred WAP-based wireless banking system provided based on the WAP-based wireless banking program, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in addition to the WAP-based wireless banking system by referring to and / or modified the configuration of the WAP-based wireless banking system shown in FIG. Other banking systems, such as an internet banking system and / or a telebanking system and / or a TV banking system and / or a home banking system for channel-based financial transactions, may be inferred, but the present invention is directed to the internet banking system and / or tele A banking system and / or a TV banking system and / or a home banking system and / or a non-face-to-channel banking system of the future proposed, including all types of non-face-to-channel banking systems, and the technical configuration of the present invention is shown in FIG. It is by no means limited to the illustrated WAP-based wireless banking case.

Hereinafter, in FIG. 14, the WAP-based wireless banking is referred to as "wireless banking" for convenience.

The wireless terminal 140 has at least one swap browser for receiving a browsing-based wireless web service by accessing the wireless banking server 1400 based on a WAP / ME-based wireless communication function and the wireless communication function. One Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or And a wireless terminal 140 including at least one or more of a personal digital assistant (PDA) and / or a smart phone, and including the WAP / ME based Internet. The wireless banking server 1400 and a communication channel for WAP-based wireless banking are connected through a wireless communication network.

The financial system 1460 is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one or more customers and to process a financial transaction based on the financial account. Account system 1462 for processing window services such as credit or receiving or trust or foreign exchange, information system 1463 for the processing of headquarters operations, branch office information support, and customer information management; Provides a variety of electronic financial services (e.g., wireless banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), line transfer, call center, financial settlement, etc. by connecting to external computer networks including companies, retailers and card companies An interface corresponding to an external system 1401 and a middleware platform that provides interfacing between components in the financial system. At least for storing and managing the eS module 1465 and predetermined information (e.g., ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system. A database management system (DBMS) 1464 including one or more databases 310, and includes the intention of the person skilled in the art and / or the type of each financial institution (e.g., commercial banks, savings banks, trust banks) Depending on the purpose and characteristics of the system, 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 belongs to Those skilled in the art will clearly understand the technical details of the financial system 1460, and thus detailed description thereof will be omitted for convenience. , To which the present invention is not limited.

According to an embodiment of the present invention, the wireless banking server 1400 interworks with the financial system 1460 through the external system 1541, and for this purpose, a predetermined interface means 1455 is provided to the external system 1541. It is preferable to include a component for interworking with the wireless banking server 1400 through.

The wireless banking server 1400 may include a database 310 for storing wireless operation data including at least one wireless page source and / or digital content for providing a predetermined web service to the at least one wireless terminal 140, And / or a database 310 for storing wireless banking information required for providing a predetermined wireless banking service in conjunction with the financial system 1460, and / or an asset registered through the information registration system shown in FIG. And a DBMS 1420 including a database 310 for storing management information output information or interworking with a data server provided with the DBMS 1420 according to an embodiment. A predetermined wireless banking service is provided to the wireless terminal 140.

According to an embodiment of the present invention, the wireless banking information may be configured to authenticate a customer corresponding to the wireless terminal 140 when at least one or more wireless terminals 140 access and log in to the wireless banking server 1400, and / Or when the customer authenticates the financial transaction customer at least one financial transaction through the wireless banking server 1400, and / or when the customer subscribes at least one financial product to the wireless banking server 1400. Customer authentication information for authenticating the customer to subscribe to, and when the financial transaction request from the customer via the wireless terminal 140, in conjunction with the financial system 1460 to process the financial transaction corresponding to the financial transaction request It is preferable to include banking element information for, at least one or more information required for wireless banking according to the intention of the skilled person Although it may be further included, in Figure 14 it is omitted for convenience.

According to the implementation method of the present invention, the asset management information output information includes at least one deposit information accumulation date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information corresponding to at least one or more customer accounts Spending asset management information for customer spending assets, including at least one financial asset management information for the customer financial assets, including at least one, and / or at least one of various billing information and card payment information to be paid by the customer And / or an asset management item including at least one real estate asset management information for a customer real estate asset including at least one of information on market value and market price information on the customer-owned building and / or land. Characterized in that the The customer effectively manages the assets of the customer during the non-face-to-face financial transaction through a predetermined non-face-to-face financial transaction system.

Herein, the asset management information output information may be obtained when the customer accesses an internet banking system through a predetermined wired terminal for internet banking during a non-face-to-face financial transaction (eg, when logging in to an internet banking server). Asset management information (e.g., financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in an internet banking-based financial transaction interface provided by a wired terminal. Etc.), and information to be set to output.

For example, the asset management information output information may be displayed on the internet banking screen when the customer accesses an internet banking system through a predetermined client terminal for non-face-to-face financial transaction processing (eg, when logging in to an internet banking server). Earned deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or the non-face-to-face corresponding to at least one customer account corresponding to the financial asset management item of the financial transaction customer Various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-facing financial transaction customer. Customer-specified asset management that includes at least one information about the market price and market price information. To set information to the output comprises at least one.

In addition, the asset management information output information is when the customer is connected to the telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (for example, when logging into the telebanking server), the telebanking system in the Asset management information (eg, financial asset management information, and / or expenditure asset management information, and / or real estate asset management information) corresponding to at least one asset management item in a telebanking-based financial transaction interface provided by a call terminal. And the like, and information to be set to output.

For example, the asset management information output information may be provided when the customer connects to a telebanking system through a predetermined call terminal for telebanking during non-face-to-face financial transactions (eg, when logging in to a telebanking server), and provides voice guidance for the telebanking. Information on the deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to the financial asset management items of the non-face-to-face financial transaction customer; And / or various utility information and card payment information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building corresponding to the floating asset management item of the non-face-to-face financial transaction customer; and / Or a customer designator that includes at least one of the information on price and market price for land, etc. To be set to output the management information comprises at least one.

In addition, the asset management information output information when the customer is connected to a wireless banking system through a predetermined wireless terminal for wireless banking during non-face-to-face financial transactions (for example, when logging in to a wireless banking server, or a wireless banking IC chip) Approaching), asset management information corresponding to at least one asset management item (e.g., financial asset management information of the customer, and / or expenditure asset) corresponding to at least one asset management item in a wireless banking based financial transaction interface provided by the wireless banking system to the wireless terminal. And management information, and / or real estate asset management information).

For example, the asset management information output information may be obtained when the customer connects to the wireless banking system through a predetermined wireless terminal for non-face-to-face financial transaction processing (for example, when logging in to a wireless banking server or accessing an IC chip for wireless banking). ), On the wireless banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, information on the deposit deposit date arrival date, information on the deposit expiration date, loan payment date arrival information, loan payment Date information, and / or various utility billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the floating asset management item of the non-face-to-face financial transaction customer. The at least one public announcement about the customer's owned building and / or land, etc. To be set to output a specified customer asset management information comprises at least one.

In addition, the asset management information output information is provided when the customer connects to the TV banking system through a predetermined digital TV (or DMB terminal, set-top box, etc.) for TV banking during non-face-to-face financial transactions (eg, to the TV banking server). At least one asset management item corresponds to a TV banking-based financial transaction interface provided by the TV banking system to the digital TV (or DMB terminal or set-top box) when the user logs in or accesses an IC card for TV banking. It is preferably made to include the information to be set to include the asset management information (eg, the financial asset management information, and / or expenditure asset management information, and / or real estate asset management information, etc.) of the customer.

For example, the asset management information output information is used when the customer connects to a TV banking system through a predetermined digital TV (or DMB terminal or set-top box) for non-face-to-face financial transaction processing (for example, when logging in to a TV banking server). Or when accessing an IC card for TV banking), at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer on the TV banking screen. Information on payment of loan interest and payment date, information on payment date of loan payment, and / or various utility information and card payment expenditure information corresponding to the expenditure asset management items of the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer. At least the disclosure price information and market price information on the customer-owned building and / or land corresponding to the floating asset management item of It comprises at least one setting to output the customer-specific asset management information including one or more.

In addition, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for home banking during non-face-to-face financial transactions (for example, when logging into the home banking server, or access the home banking IC card) (C), asset management information (eg, financial asset management information of the customer, and / or expenditure asset management) corresponding to at least one asset management item in a home banking based financial transaction interface provided by the home banking system to the home appliance terminal. Information, and / or real estate asset management information, etc.).

For example, the asset management information output information is when the customer accesses the home banking system through a predetermined home appliance terminal for non-face-to-face financial transaction processing (for example, when logging in to a home banking server or accessing a home banking IC card). On the home banking screen, at least one customer account corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer, deposit deposit date arrival information, deposit expiration date arrival information, loan interest payment date arrival information, loan principal payment date The billing information and card payment information, and / or the floating asset management item of the non-face-to-face financial transaction customer corresponding to the arrival information, and / or the expenditure asset management item of the non-face-to-face financial transaction customer. Customer's property that includes at least one information about the property, market information, etc. To be set to output the asset management information comprises at least one.

According to an embodiment of the present invention, the asset management information output information may specify different asset management information output information for each non-face-to-face financial transaction system, and for this purpose, the asset management information output information may include at least one non-one. It is preferable to be further stored in association with the financial means information (for example, Internet banking means information, tele banking means information, wireless banking means information, TV banking means information, home banking means information, etc.), and vice versa. When the non-face-to-face financial means information is not included in the output information, the financial transaction initial screens of all kinds of non-face-to-face financial transaction systems may be automatically synchronized with the initial screen corresponding to the asset management information output information.

According to an embodiment of the present invention, the asset management information output information may include different non-face-to-face access information (eg, non-face-to-face financial transaction ID / PW information, or non-face-to-face financial transaction passwords) in a predetermined non-face-to-face financial transaction system. Alternatively, different asset management information output information may be designated for each non-face-to-face financial transaction security code number by a plurality of different security cards. For this purpose, the asset management information output information may include at least one non-face-to-face information. It is preferable to be stored in association with the connection information.

According to the embodiment of the present invention, the asset management information output information registered through the information registration system shown in FIG. 1 is not the DBMS 1420 provided on the wireless banking system, but the DBMS 1464 on the financial system. It may be provided in, and the present invention is not limited thereby.

Referring to FIG. 14, the wireless banking server 1400 connects and manages a wireless communication based communication channel for providing a predetermined wireless banking service to at least one or more wireless terminals 140. 1405, a wireless page operating unit 1415 for operating a wireless page to be provided to at least one or more of the wireless terminals 140 in association with the wireless interface unit 110, 1405 and the DBMS 1420; A UI processor 1410 generating a user interface (UI) screen for providing a predetermined wireless banking service to at least one wireless terminal 140 in association with the wireless page operation unit 1415, and the UI Extracts predetermined content for providing the wireless banking service from the DBMS 1420 in cooperation with the processor 1410 or extracts predetermined content to be stored in the DBMS 1420 from the wireless terminal 140. And a content management unit 1425 receiving the communication channel for processing wireless banking based on wireless communication between the wireless terminal 140 and the wireless banking server 1400 by the functional configuration. And the user interface is implemented.

In addition, the wireless banking server 1400 authenticates the customer with at least one wireless terminal 140 in association with the wireless page operation unit 1415 through a UI processor 1410 based on the customer authentication information of the wireless banking information. It is characterized in that it comprises a customer authentication unit 1430 to provide an interface screen, or at least one or more customer authentication information based on the interface screen.

In addition, the wireless banking server 1400 interoperates with the wireless page operating unit 1415 through the UI processor 1410 based on the banking element information of the wireless banking information to at least one or more wireless terminals 140. A banking processor 1435 is provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the wireless banking server 1400 includes a ledger processing unit 1440 that performs a ledger processing procedure corresponding to the financial transaction requested by the customer in cooperation with the financial system 1460 through a predetermined interface means 1455. The ledger processing unit 1440 may be connected to the external system 1541 of the financial system 1460 through the interface unit 1455.

In addition, the wireless banking server 1400 is linked to the financial system 1460 through a predetermined interface means 1455, customer-specific asset management information corresponding to at least one asset management item included in the asset management information output information. Characterized in that it comprises a information collecting unit 1445 for collecting.

According to an embodiment of the present invention, the UI processing unit 1410 and / or the wireless page operation unit 1415 may be configured to display a non-face-to-face financial transaction customer collected through the information collecting unit 1445 on a predetermined financial transaction initial screen. Deposit deposit date arrival information, deposit due date arrival information, loan interest payment date arrival information, loan principal payment date arrival information, corresponding to at least one or more customer accounts corresponding to financial asset management items, and / or the non-faceted financial transaction customer Various billing information and card payment expenditure information corresponding to the expenditure asset management item, and / or the notice price information and market price of the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer. It provides to the wireless terminal 140, including customer-specific asset management information including at least one information or the like. It is done.

The customer authentication information stored in the DBMS 1420 may include ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the wireless banking server 1400 through the wireless terminal 140. And at least one member information including at least one member. In this case, the customer authentication unit 1430 interoperates with the UI processing unit 1410 to transmit the ID / PW information of the customer to the wireless terminal 140. Request, receive the ID / PW information from the wireless terminal 140, and compare the received ID / PW information with ID / PW information included in the member information to authenticate the customer. .

According to an embodiment of the present invention, the ID / PW information may be provided to the wireless banking server 1400 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The wireless terminal 140 is encrypted through at least one encryption method of a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method Preferably, the customer authentication unit 1430 further includes a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 1420 may be a certification authority information (eg, KFTC) and authentication server information, and / or the issuing a predetermined official certificate to the customer connected through the wireless terminal 140 Accredited certificate registrar information (e.g., when the accredited certificate is registered through the process, the process information, when the accredited certificate is registered through the process, etc.), and / or certificate information issued to the customer by the certification body. It is preferable that the further comprises, wherein the customer authentication unit 1430 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registrar with the authentication server of the certification authority, and the customer from the authentication server By receiving an authentication result, the customer is characterized in that the authentication.

According to an embodiment of the present invention, the customer authentication unit 1430 provides the communication session information and the certificate information connected with the wireless terminal 140 to the authentication server of the certification authority, and the authentication server provides the communication session information. After performing the customer authentication procedure corresponding to the certificate information to the wireless terminal 140 based on the, it is preferable to provide the result to the customer authentication unit 1430.

In addition, the customer authentication information stored in the DBMS 1420 is made by including a copy of the authentication certificate of the customer accessing the wireless banking server 1400 through the wireless terminal 140, and / or predetermined to the customer It is preferable to include the directory connection information of the certification authority that issued the public certificate, wherein the customer authentication unit 1430 is linked with the authentication server of the certificate authority that issued a predetermined public certificate to the customer the wireless terminal By requesting the certificate-based customer information to the 140, receiving the certificate-based customer information from the wireless terminal 140, and authenticating the certificate-based customer information through a copy of the certificate and / or a directory of a certification authority, Characterize the customer.

According to the exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1430 or a predetermined random number generated by the wireless terminal 140, in which case the The wireless terminal 140 uses at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method for the random number through the certificate. Encrypted through the above encryption method and provided to the customer authentication unit 1430 (for example, if the random number is generated in the wireless terminal 140 further includes a random number in the form of a plain text), the customer authentication unit 1430 Decrypts the encrypted random number based on the copy of the customer's accredited certificate and / or the certificate information of the customer extracted from the directory, compares each other, and / or the It is preferable to authenticate the customer by encrypting and comparing the random number in the plain text form (for example, the random number generated by the customer authentication unit 1430 and / or the random number generated by the wireless terminal 140).

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the storage device of the wireless terminal 140 in the storage information (for example, the wireless banking server 1400 previously stored in the wireless terminal 140). Information, and / or information (or system information) previously stored in the wireless terminal 140, and / or storage read out from an IC card (and / or IC chip) interoperating with the wireless terminal 140. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the wireless terminal 140 converts the stored information into a symmetric key (or secret key) encryption scheme, and / or a public key encryption scheme, and / or an electronic envelope encryption scheme, and / or key exchange through the public certificate. Password using at least one of the encryption methods And decrypt the stored information encrypted based on the copy of the certificate of the customer and / or the certificate information of the customer extracted from the directory by the customer certificate unit 1430. By comparing each other, it is preferable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the wireless terminal 140) input through an input means provided in the wireless terminal 140. Information input through an input device (eg, a short-range communication device) other than a key input device provided in the wireless terminal 140, and / or the wireless terminal 140. ) Is an at least one encryption method of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method through the authentication certificate; Encrypted through the provided to the customer authentication unit 1430, the customer authentication unit 1430 of the customer's authorized certificate extracted from the copy and / or the directory of the customer's official certificate Subject to decrypt the encrypted information based on the input by mutual comparison, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 1420 is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the One Time Password (OTP) authenticator provided to the customer, When the customer authentication unit 1430 interoperates with the UI processing unit 1410, requests a predetermined OTP code from the wireless terminal 140, receives the OTP code from the wireless terminal 140, and generates the OTP. Generate a predetermined OTP authentication code based on the information, and by comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to an embodiment of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic in the wireless terminal 140 to provide a more advanced security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 1430 further includes a functional configuration for decrypting the OTP code. It is preferable to make it.

According to an embodiment of the present invention, at least one of the asset management information output information outputs different asset management information according to at least one or more non-face-to-face connection information (eg, customer authentication information) in addition to at least one asset management item. In the case where the wireless banking access information (for example, customer authentication information) is further included, the customer authentication unit 1430 performs the customer authentication procedure through the customer authentication information, and then outputs the result of the UI processing unit 1410. And / or to the wireless page operation unit 1415, whereby the UI processing unit 1410 and / or the wireless page operation unit 1415 are wireless banking corresponding to the customer authentication result on a predetermined financial transaction initial screen. At least one asset management information (eg, prizes) collected through the information collection unit 1445 in response to access information (eg, customer authentication information). Earn deposit deposit date information, deposit due date information, loan interest payment date arrival information, loan principal payment date arrival information, and / or information corresponding to at least one customer account corresponding to the financial asset management item of the non-face-to-face financial transaction customer; and / or Various billing information and card payment expenditure information corresponding to the expenditure asset management item of the non-face-to-face financial transaction customer, and / or the customer-owned building and / or land corresponding to the floating asset management item of the non-face-to-face financial transaction customer It is desirable to provide the announcement to the wireless terminal 140, including information and market information, etc.).

When at least one financial transaction is requested from the wireless terminal 140, the banking processor 1435 requests a financial transaction corresponding to the requested financial transaction to the wireless terminal 140 in association with the UI processor 1410. Providing an information input interface screen and receiving (or selecting) predetermined financial transaction request information from the wireless terminal 140 through the financial transaction request information input interface screen, referring to the banking element information; It is characterized in that the predetermined financial transaction information corresponding to the financial transaction request information is generated (or extracted) and provided to the ledger processing unit 1440.

For example, when the financial transaction requested from the wireless terminal 140 is an account transfer transaction, the banking processor 1435 interoperates with the UI processor 1410 to transmit information to the wireless terminal 140 to the wireless terminal 140. And a predetermined interface screen for inputting (or selecting) withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and transfer the account through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is inputted (or selected) and received, the withdrawal is referred to with reference to the banking element information. The predetermined amount of financial transaction information may be generated to withdraw the transfer amount from the account to be deposited into the deposit account and then provided to the ledger processor 1440.

According to the exemplary embodiment of the present invention, the banking processor 1435 receives at least one financial transaction request information from the wireless terminal 140 and performs at least one customer authentication scheme in cooperation with the customer authentication unit 1430. It is preferable to authenticate the customer who requested the financial transaction through the service, thereby providing confidentiality (for the customer who requested the financial transaction through the wireless terminal 140 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to the exemplary embodiment of the present invention, the banking processor 1435 may secure the confidentiality, authentication, integrity, and nonrepudiation of at least one financial transaction request information transmitted from the wireless terminal 140. In step 140, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 1435 receives the financial transaction request information from the wireless terminal 140, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 1435 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the wireless terminal 140 for at least one financial transaction. In this case, the financial transaction request information may be encrypted and transmitted by an electronic envelope method. In this case, the banking processor 1435 may receive the financial transaction request information from the wireless terminal 140 and decrypt the electronic transaction method. Preferably, this ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 1440 is linked to the financial system 1460 through a predetermined interface means 1455, and the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1435. In this case, at least one ledger information to be extracted from the ledger on the financial system 1460 in response to the financial transaction information is identified, and the identified from the ledger on the financial system 1460 through the interface means 1455. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 1460 in response to the financial transaction information, and through the interface means 1455, the financial system ( The generated (or extracted) ledger record information is recorded in the ledger on 1460.

For example, the financial transaction requested from the wireless terminal 140 is an account inquiry transaction for the last one month, and the financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry is performed by the banking processor 1435. When generated (or extracted), the ledger processing unit 1440, based on the financial transaction information for the account inquiry, the account ledger (and associated with the customer ledger on the financial system 1460 through the interface means 1455). And / or transaction history information associated with the account ledger) from the transaction history of the account to the banking processor 1435.

The information collecting unit 1445 is interlocked with the financial system 1460 through a predetermined interface means 1455, and is provided to the asset management information output information from the DBMS 1464 on the financial system 1460. Collecting customer-specific asset management information corresponding to at least one asset management item included.

According to an exemplary embodiment of the present invention, the customer-specified asset management information collected by the information collecting unit 1445 from the DBMS 1464 provided on the financial system 1460 is for the non-face-to-face financial transaction customer. Financial asset management information on customer financial assets, including at least one deposit deposit date arrival information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, etc. It is preferable to comprise at least one or more.

In addition, customer-specified asset management information collected by the information collecting unit 1445 from the DBMS 1464 provided on the financial system 1460 includes various billing information and a card to be paid by the non-face-to-face financial transaction customer. It is preferable to include at least one or more expenditure asset management information for the customer spending assets, including at least one or more billing payment information.

According to an embodiment of the present invention, the information collecting unit 1445 is connected to the customer in connection with at least one billing system and / or a card payment system (not shown) through a predetermined interface means 1455 and / or a communication network. It is desirable to collect more detailed expenditure asset management information for.

In addition, customer-specified asset management information collected by the information collection unit 1445 from the DBMS 1464 provided on the financial system 1460 may be used for the non-face-to-face financial transaction customer-owned buildings and / or land. Preferably, the land price information includes at least one real estate asset management information for the customer real estate assets including at least one information and market price information.

According to an embodiment of the present invention, the information collection unit 1445 is provided with at least one registration management storage system (eg, a courtesy electronic registration server (not shown)) through a predetermined interface means 1455 and / or a communication network. And / or e-government servers, etc.) to collect more detailed floating property management information for the customer.

Those skilled in the art to which the present invention belongs, at least one or more other assets registered by the information collecting unit 1445 through the information registration system shown in FIG. Embodiments of collecting at least one or more other customer specified asset management information corresponding to the management item may be inferred, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the information collecting unit 1445 may further collect securities asset information of the customer in connection with at least one securities system through a predetermined interface means 1455 and / or a communication network. desirable.

15 is a view showing a process of connecting a financial transaction channel for non-face-to-face financial transactions that output customer-specific asset management information according to another embodiment of the present invention.

More particularly, FIG. 15 illustrates one or more non-face-to-face financial transaction systems (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system and / or a home banking system). In the wireless banking system shown in FIG. 14, when the wireless terminal 140 accesses the wireless banking server through a WAP / ME based wireless communication network (for example, a CDMA based mobile communication network), a predetermined customer authentication procedure is performed. By the wireless terminal 140 and a method for implementing a wireless banking-based financial transaction channel between the wireless banking server, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Or modified to connect a wireless banking based financial transaction channel for non-face-to-face financial transactions between the wireless terminal 140 and the wireless banking server Would be able to derive a method, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 15.

That is, FIG. 15 illustrates a non-face-to-face finance between the wireless terminal 140 and the wireless banking server based on the browser program when accessing the wireless banking server through a predetermined browser program provided in the wireless terminal 140. Although an implementation method of connecting a wireless banking-based financial transaction channel for a transaction has been shown, a person having ordinary knowledge in the technical field to which the present invention belongs is connected to a wireless banking-based financial transaction channel using a browser program shown in FIG. By referring to and / or modifying the method, a wireless banking-based financial transaction channel for non-face-to-face financial transactions is established between the wireless terminal 140 and the wireless banking server based on a predetermined wireless banking program mounted on the wireless terminal 140. IEEE 80 using MIP (Mobile IP) in addition to inferring the implementation method and / or the WAP / ME based wireless banking system A method of connecting a financial transaction channel using a 2.16x-based mobile Internet and / or an IEEE 802.11x-based wireless LAN may be inferred. However, the present invention provides a wireless banking-based financial transaction provided based on the wireless banking program. And the invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figure 15, Internet banking system and / or Other banking systems, such as telebanking systems and / or TV banking systems and / or home banking systems, may infer an implementation method for linking non-face-to-face channel-based financial transactions channels for non-face-to-face financial transactions. The present invention includes all types of non-face-to-face channel-based financial transactions, including Internet banking systems and / or telebanking systems and / or TV banking systems and / or home banking systems and / or future non-face-to-face banking systems. Is not limited to the case of the wireless banking shown in FIG.

Hereinafter, in FIG. 15, the wireless terminal 140 is referred to as a "terminal" for convenience, and the wireless banking server is referred to as a "server" for convenience.

Referring to FIG. 15, when the terminal executes a predetermined browser program and accesses the server through the wireless communication network (1500), the server connects the communication channel between the terminal and the server through the browser (1505). In this case, the communication channel is a server generating (or extracting) a predetermined wireless page in response to a request of a browser program provided in the wireless terminal 140, and transmitting the predetermined wireless page to the wireless terminal 140. It means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the wireless page in the browser program included in 140. .

According to another exemplary embodiment of the present invention, when the wireless terminal 140 is provided with a predetermined wireless banking program, the server may be configured with at least one wireless banking program based on a predetermined communication protocol defined in the wireless banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for wireless banking in the terminal on a predetermined wireless page (eg, a wireless banking main page) generated (or extracted) for providing to the terminal, and / or the By adding a predetermined script for checking whether or not to update the security module and providing it to the terminal, whether the predetermined security module for wireless banking is installed in the terminal and / or update the security module. Check (1510).

According to another exemplary embodiment of the present invention, when the wireless terminal 140 is provided with a predetermined wireless banking program, the server requests the wireless banking program for version information and / or last update date information. It may be determined whether to update the banking program (and / or the security module associated with the wireless banking program).

If a predetermined security module is to be installed and / or updated in the terminal (1515), the server transmits the latest version of the wireless banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1520).

If the terminal does not need to install and / or update the latest version of the wireless banking security module (1525), or if the terminal does not need to install and / or update the wireless banking security module (1515), the server may By activating the security module for wireless banking mounted on the terminal, the wireless banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is switched to a secure channel) (1530), where the security for wireless banking A channel means a predetermined digital signature attached to information (or data) required for security among information (or data) included in a wireless page provided from the server to the terminal, and / or at least one encryption method ( And / or an encryption algorithm), the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a corresponding predetermined decoding scheme (and / or decryption algorithm), and the information (or data) to be provided to the server for non-face-to-face financial transactions by the terminal. When a predetermined digital signature is attached to and / or encrypted and transmitted using at least one encryption method (and / or encryption algorithm), the server verifies the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) with a predetermined decoding scheme (and / or decoding algorithm) corresponding to the &quot;

According to another embodiment of the present invention, when the wireless terminal 140 is provided with a predetermined wireless banking program, the wireless banking-based secure channel is provided from the server to the terminal according to a communication protocol defined in the wireless banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method. Means a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm), and also for the non-face-to-face financial transaction in the terminal. Attach certain electronic signatures to information (or data) to be provided by When encrypted and transmitted using an encryption method (and / or an encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure banking channel is connected as described above, the server requests the terminal to perform a wireless banking customer authentication procedure through the browser program (1535).

According to an exemplary embodiment of the present invention, the wireless banking customer authentication procedure may include predetermined wireless banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer in the wireless banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as a wireless banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the wireless banking customer authentication procedure may include predetermined wireless banking-based customer authentication data (eg, an ID / PW or customer number registered by the customer in a wireless banking application process) through the terminal. Etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the terminal as a wireless banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data includes public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, and transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module to perform wireless banking customer authentication. Request (1540), the server (and / or authentication server) authenticates the customer connected through the terminal as a wireless banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1545).

If the wireless banking customer authentication fails (1550), the server blocks the wireless banking security channel for the terminal (1555), so that the wireless banking-based financial transaction is not made through the terminal.

On the other hand, if the wireless banking customer authentication is successful (1550), the server converts the wireless banking security channel into a wireless banking-based financial transaction channel in connection with the security module provided in the terminal (1560), where the wireless banking-based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment, .. Communication channel).

16 illustrates a non-face-to-face financial transaction method for outputting customer specified asset management information according to another exemplary embodiment of the present invention.

More specifically, FIG. 16 illustrates one or more non-face-to-face financial transaction systems (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system and / or a home banking system). In the wireless banking system illustrated in FIG. 14, the wireless terminal 140 accesses the wireless banking server through a process illustrated in FIG. 15 to perform a predetermined customer authentication procedure, and then the wireless terminal 140. ) And a wireless banking-based financial transaction channel is connected between the wireless banking server, the wireless terminal 140 requests a non-face-to-face financial transaction through the wireless banking-based financial transaction channel, and the wireless banking server. In the embodiment of the present invention to process the requested financial transaction, and provide the result to the wireless terminal 140 through the wireless banking-based financial transaction channel As those skilled in the art to which the present invention pertains, various financing using a wireless banking-based financial transaction channel between the wireless terminal 140 and the wireless banking server may be made by referring to and / or modifying the drawing 16. It would be possible to infer a transaction method, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

That is, FIG. 16 illustrates the wireless terminal 140 through the browser program when the wireless banking-based financial transaction channel is connected by accessing the wireless banking server through a predetermined wireless communication network provided in the wireless terminal 140. Although an implementation method for processing a financial transaction requested by the present invention is illustrated, those skilled in the art may refer to and / or refer to a wireless banking-based financial transaction method using a browser program shown in FIG. It is possible to infer various types of wireless banking-based financial transaction methods between the wireless terminal 140 and the wireless banking server based on a predetermined wireless banking program mounted on the wireless terminal 140 by modifying the present invention. Includes wireless banking based financial transactions provided based on the wireless banking program, The present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify the wireless banking-based financial transaction method shown in FIG. 16, in addition to the wireless banking system, a telebanking system and / or a wireless banking system. Other banking systems, such as systems and / or TV banking systems, may infer a non-face-to-face channel-based financial transaction method for non-face-to-face financial transactions, but the present invention is directed to the telebanking system and / or wireless banking system and / or TV. It includes all types of non-face-to-face channel-based financial transactions including banking system and / or non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is limited to the case of the wireless banking shown in FIG. Never.

Hereinafter, in FIG. 16, the wireless terminal 140 is referred to as a "terminal" for convenience, and the wireless banking server is referred to as a "server" for convenience.

Referring to FIG. 16, when the wireless banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 15, the terminal transmits the wireless banking-based financial transaction channel to the non-face-to-face financial transaction. When requesting a wireless banking-based financial transaction to the server (1600), the server checks the requested wireless banking-based financial transaction from the terminal, and then generates (or extracts) a predetermined financial transaction interface for the identified financial transaction. In order to extract the customer-specific asset management information output information registered through the information registration system shown in FIG. 1 (1605).

According to one embodiment of the invention, the asset management information output information is preferably stored in a DBMS provided on the wireless banking system, according to another embodiment, the asset management information output information is the wireless banking system It is possible to extract from the ledger information of the DBMS provided on the financial system associated with, thereby the present invention is not limited.

Thereafter, the server is connected to the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) at least included in the asset management information output information At least one customer-specific asset management information corresponding to one or more asset management information items is collected (1610).

According to one embodiment of the invention, the server collects the customer in association with the financial system (and / or securities system, and / or bill payment system, and / or card payment system, and / or registration management system, etc.) The designated asset management information may include at least one or more accumulated deposit deposit arrival date information corresponding to at least one customer account, deposit due date arrival information, loan interest payment date arrival information, loan principal payment due date information, and the like. It is desirable to include financial asset management information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) Internet banking based financial transactions, and / or telebanking based financial transactions, and / or wireless banking based financial transactions, and / or TV banking based financial transactions used by non-face-to-face financial transactions customers at least It is preferable that the non-face-to-face channel through the non-face-to-face financial transaction system including one or more of the last transaction date / time information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) Preferably, the non-face-to-face financial transaction includes expenditure asset management information on customer expenditure assets including at least one of various utility bill information and card payment expenditure information.

In addition, customer-specified asset management information collected by the server in association with the financial system (and / or securities system, and / or utility billing system, and / or card payment system, and / or registration management system, etc.) The non-face-to-face financial transaction preferably includes real estate asset management information on customer real estate assets including at least one or more information including market information and market price information.

Those skilled in the art to which the present invention belongs, the server corresponds to at least one or more other asset management information items registered through the information registration system shown in FIG. An embodiment of collecting at least one other customer-specified asset management information may be inferred, and the present invention is not limited thereto.

According to another embodiment of the present invention, the customer-specified asset management information, the server is the financial system (and / or securities system, and / or utility bill receiving system, and / or card payment system, and / or registration management system, etc.) ) Is collected in advance before the non-face-to-face financial transaction occurs and stored and managed in a predetermined database 310 in advance, and when the non-face-to-face financial transaction occurs, it can be provided to the terminal, thereby the present invention It is not limited.

Thereafter, the server generates (or extracts) a wireless page corresponding to a predetermined financial transaction interface including the extracted customer-specified asset management information (1612), and generates (or via the wireless banking-based financial transaction channel). The extracted wireless page is transmitted to the terminal and output (step 1615).

According to an embodiment of the present invention, the financial transaction interface preferably comprises an information providing interface for outputting at least one customer-specific asset management information to the terminal for asset management of a customer during a predetermined wireless banking-based financial transaction. Do.

Further, the financial transaction interface may include predetermined financial transaction request information for processing a predetermined wireless banking-based financial transaction, and / or a predetermined password (e.g., a valid password for a wireless banking customer requesting the financial transaction). , Account password, etc.) and / or security code (e.g., the security code printed on the security card issued to the customer during the wireless banking application process) and / or one time password (OTP) (e.g., the wireless banking application process (or wireless banking) It is preferable to further include a user interface for inputting (or selecting) a one-time password generated through an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution after the application.

According to another exemplary embodiment of the present invention, when the asset management information output information further includes predetermined non-face-to-face access information corresponding to the customer authentication information confirmed through the customer authentication procedure shown in FIG. 15, the server It is preferable to generate (or extract) a wireless page corresponding to a predetermined financial transaction interface corresponding to the asset management information output information matching the customer authentication information confirmed through the illustrated customer authentication procedure.

In addition, the wireless page transmission and / or output process is preferably performed at least one or more times according to the wireless banking financial transaction procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) financial transaction request information including at least one for each wireless banking-based financial transaction through the financial transaction interface (1620).

If the terminal receives (or selects) the financial transaction request information through the financial transaction interface (1625), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Send (1630).

According to an embodiment of the present invention, transmitting the financial transaction request information (or selected) inputted through the financial transaction channel to the server may include the financial transaction request information input (or selected) through the financial transaction interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server checks and validates the validity of the financial transaction request information by receiving and reading the financial transaction request information through the financial transaction channel (1635).

According to an embodiment of the present invention, receiving and reading the financial transaction request information through the financial transaction channel to confirm validity may decode the financial transaction request information received from the terminal and / or the financial transaction request information. This includes checking the digital signature attached to it.

In addition, the validation of the financial transaction request information, preferably, further comprises authenticating a password and / or security code and / or OTP included in the financial transaction request information.

If the validity of the financial transaction request information is not authenticated (1640), the server generates a wireless page including predetermined financial transaction error information and transmits it to the terminal (1645), corresponding to the financial transaction request information. Do not perform financial transaction procedures.

On the other hand, if the validity of the financial transaction request information is authenticated (1640), the server performs a financial transaction procedure corresponding to the financial transaction request information (1650).

According to an embodiment of the present invention, the financial transaction procedure corresponding to the financial transaction request information may be performed by accessing the ledger of the wireless banking customer provided on the financial system from the server to the ledger information corresponding to the financial transaction request information. Or at least one additional information associated with the ledger information).

If the financial transaction corresponding to the financial transaction request information fails (for example, if an error occurs during the financial transaction procedure) (1655), the server generates a wireless page including predetermined financial transaction error information. In operation 1645, the terminal does not perform a financial transaction procedure corresponding to the financial transaction request information.

On the other hand, if a financial transaction corresponding to the financial transaction request information is successful (1655), the server generates a wireless page including predetermined financial transaction history information and transmits it to the terminal (1660), thereby requesting the financial transaction from the terminal. To complete.

According to the present invention, at least one non-face-to-face financial transaction system (eg, an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system) in which a customer voluntarily and actively participates, and And / or outputting asset management information to the customer in a non-face-to-face financial transaction process using a home banking system, etc., thereby providing a channel through which the customer can actively participate in the asset management process.

Claims (5)

Initial screen setting means for setting the customer asset management information is output on the initial screen output after the customer authentication when the non-facing channel connection; Information storage means for collecting the customer's asset management information and storing it in a predetermined storage medium; And When accessing the non-face-to-face channel of the customer, in conjunction with the storage medium (or storage medium operating means), the customer's asset management information is extracted and / or confirmed, and the extracted and / or confirmed asset management information to the customer authentication And information processing means for providing an initial screen output after the asset management information providing system through a non-face-to-face channel. The method of claim 1, wherein the initial screen setting means, Asset management information providing system through a non-face-to-face channel, characterized in that the asset management information is set to be output on the non-faced channel initial screen according to the customer agreement or selection. The non-facing channel of claim 1, wherein Asset management information providing system through a non-face-to-face channel comprising at least one of Internet banking, mobile banking, TV banking, automated devices. A recording medium which records a program for executing a function of the system constituting means of claim 1. Setting customer asset management information to be output on an initial screen output after customer authentication during non-face-to-face connection; Collecting the customer's asset management information and storing it in a predetermined storage medium; And When accessing the non-face-to-face channel of the customer, in conjunction with the storage medium (or storage medium operating means), the customer's asset management information is extracted and / or confirmed, and the extracted and / or confirmed asset management information to the customer authentication Providing to the initial screen output after; Asset management information providing method through a non-face-to-face channel comprising a.

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