KR20080022828A - System and method for providing financial goods and program recording medium - Google Patents

Abstract

A system and a method for providing financial product information, and a program recording medium thereof are provided to display the recommended financial product information in an initial screen of a non-faced channel by analyzing/selecting financial products suitable for a customer when the customer connects to the non-faced channel. An initial screen setting part sets financial product information to be displayed in an initial screen output after customer authentication depending on customer agreement or selection when a customer connects to a non-faced channel. A customer information analyzer selects financial products suitable for the customer among the financial products stored in a financial product database(135) by analyzing customer information stored in a storage medium(145). An information processor provides the selected financial product information to the initial screen output after the customer authentication when the customer connects to the non-faced channel. The non-faced channel is at least one of Internet banking, mobile banking, TV banking and an ATM(Automated Teller Machine).

Description

System and Method for Providing Financial Goods and Program Recording Medium}

1 is a diagram illustrating an information processing system for setting at least one non-face to face financial transaction customer recommendation target financial product according to an embodiment of the present invention.

2 is a diagram illustrating an information processing process for setting at least one non-face-to-face financial transaction recommendation target financial product according to an embodiment of the present invention.

3 is a diagram illustrating a configuration of a non-face-to-face financial transaction system for inducing the output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of connecting a financial transaction channel for a non-face-to-face financial transaction that induces the output and subscription of the customer recommendation financial product information according to one embodiment of the present invention.

5 is a diagram illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a process of inducing output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a configuration of a non-face-to-face financial transaction system for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

8A and 8B are diagrams illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a process of inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a configuration of a non-face-to-face financial transaction system for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a process of connecting a financial transaction channel for a non-face-to-face financial transaction that induces the output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

FIG. 13 is a diagram illustrating a process of outputting and registering a customer recommendation target financial product information according to another embodiment of the present invention.

<Description of main parts of drawing>

100: administrator terminal 105: information processing server

110: interface unit 115: interface providing unit

120: information receiving unit 125: information collecting unit

130: information verification unit 135: financial instruments D / B

140: information storage unit 145: storage medium

According to the present invention, a predetermined information processing server accesses at least one non-face-to-face financial transaction customer relationship management information management system through a predetermined communication means, and responds to at least one non-face-to-face financial transaction customer relationship management. Collecting customer relationship management (CRM) information, at least one non-face-to-face financial transaction customer recommendation finance to recommend to the non-face-to-face financial transaction customer by reading the collected at least one non-face-to-face financial transaction customer relationship management information The present invention relates to a system for identifying product information and storing it in a predetermined storage medium.

At a given financial institution, at least one financial instrument (eg, a financial instrument corresponding to a financial institution, and / or a financial instrument corresponding to a securities firm, and / or a financial instrument corresponding to a card company, and / or a financial instrument corresponding to an insurer) is provided to the customer The most common visit to recommend a product is in the form of a face-to-face call with a teller.

Recently, as information and communication technology has evolved, a method of recommending at least one financial product to the customer has also evolved to a method using information and communication technology. It remains at the level of unilateral information provided by financial institutions.

The financial product recommendation method corresponding to the unilateral information provision includes a serious problem that the psychological rejection is notified from the customer's point of view, and in some cases, the information provision can be abused for phishing.

An object of the present invention for solving the problem is to set the financial product information is output on the initial screen output after the customer authentication when the non-face-to-channel connection, and by analyzing the information of the customer, suitable for the customer of the financial products To provide a financial product information providing method and system for selecting a financial product, and provides the selected financial product information to the initial screen output after the customer authentication, when the non-face-to-channel connection of the customer.

According to an aspect of the present invention, there is provided a financial product information providing system comprising: initial screen setting means for setting financial product information to be output on an initial screen output after customer authentication when a non-facing channel is connected; Customer information analyzing means for analyzing the customer information and selecting a financial product suitable for the customer among the financial products; And information processing means for providing the selected financial product information to an initial screen output after customer authentication when the non-facing channel is connected to the customer.

According to the present invention, the initial screen setting means is characterized in that the financial product information is set to be output on the non-faced channel initial screen according to the 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 by recording a program for executing a function of the above-described financial product information providing system constituent means.

On the other hand, the financial product information providing method according to the present invention comprises the steps of setting the financial product information is output on the initial screen output after the customer authentication when the non-face-to-channel access; Analyzing the information of the customer and selecting a financial product suitable for the customer among financial products; And providing the selected financial product information as an initial screen output after customer authentication when the non-face-to-face channel connection of the customer is performed.

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 the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

As a result, the technical spirit of the present invention is determined by the claims, and the following 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 processing system for setting at least one non-face-to-face financial transaction recommendation target financial product according to an embodiment of the present invention.

In more detail, in FIG. 1, a predetermined information processing server 105 accesses at least one or more non-face-to-face financial transaction customer relationship management information management system through a predetermined communication means to correspond to a specific non-face-to-face financial transaction customer. Collect at least one non-face-to-face financial transaction customer relationship management (CRM) information, read at least one non-face-to-face financial transaction customer relationship management information, and recommend at least one non-face-to-face financial transaction customer. The system configuration for identifying the financial product information for the face-to-face financial transaction customer recommendation to store in a predetermined storage medium 145, if one of ordinary skill in the art to which the present invention pertains, refer to FIG. Or transform the information source for setting at least one non-face-to-face financial transaction customer recommendation financial products Would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, in the implementation method of the present invention, the customer relationship management information is referred to as "CRM information" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information processing system for setting at least one non-face-to-face financial transaction customer recommendation financial product according to the present invention accumulates CRM information for a specific non-face-to-face financial transaction customer. Collecting at least one CRM information corresponding to a specific non-face-to-face financial transaction customer from at least one non-face-to-face financial transaction customer relationship management information management system and at least one non-face-to-face financial transaction customer relationship management information management system, An information processing server which reads the collected at least one CRM information, identifies at least one non-face-to-face financial transaction customer recommendation target financial product information to be recommended to the non-face-to-face financial transaction customer, and stores the information on a predetermined storage medium 145; 105) and the information processing server 105 to the financial product to recommend the customer Including a predetermined manager terminal 100 to manage the determining is characterized in that formed.

According to the method of the present invention, the information processing server 105 is provided in a predetermined financial system (for example, the information system on the financial system) in which the financial account of the non-face-to-face financial transaction customer is opened, or The non-face-to-face financial transaction customer's financial accounts can all be provided on an external network associated with a predetermined financial system (eg, linked through an external system on the financial system), thereby limiting the present invention. Not.

The manager terminal 100 may be a wired network based on Transmission Control Protocol / Internet Protocol (TCP / IP) (eg, Asymmetric Digital Subscriber Line (ADSL) / Very High-data Rate Digital Subscriber Line (VDSL) and / or cable communication network). At least one wired terminal including a desktop computer and / or a laptop connected to the information processing server 105 through a computer, and / or connected to a code division multiple access (CDMA) based mobile communication network. At least one wireless terminal comprising at least one mobile communication terminal and / or a portable internet terminal connected to an IEEE 802.16 based high speed wireless internet, and / or a wireless data communication terminal connected to a DataTAC / Mobitex based wireless data communication network Characterized in that it comprises above, the manager terminal 100 is provided by the information processing server 105 A function configuration (eg, a browser program and a communication function) is provided for outputting one or more interface screens, and inputting and / or selecting at least one or more information through the interface screens and transmitting the same to the information processing server 105. It is preferable that it is done.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the manager terminal 100 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

According to an embodiment of the present invention, when the manager terminal 100 is a wired terminal, the network means includes the TCP / IP based wired network, and when the manager terminal 100 is a wireless terminal, The network means preferably comprises at least one of the CDMA based mobile communication network, and / or IEEE 802.16 based high speed wireless Internet, and / or DataTAC / Mobitex based wireless data communication network.

The information processing server 105 may include at least one financial product (eg, a financial product corresponding to a financial company, and / or a financial product corresponding to a securities company, and / or a finance corresponding to a card company) to recommend to the non-face-to-face financial transaction customer. A financial product D / B 135 for storing and managing a product, and / or a financial product corresponding to an insurance company) or externally provided to the financial product D / B 135 provided through a predetermined network means. It is preferable to interlock.

According to the exemplary embodiment of the present invention, at least one or more financial product information stored in the financial product D / B 135 may be stored in association with a predetermined financial product recommendation condition. At least one minimum investment amount information and / or minimum investment period information and / or expected rate of return information of the financial product is preferably included, and may be omitted if the financial product recommendation conditions are already included in the financial product information.

According to the method of the present invention, the information processing server 105 communicates with the manager terminal 100 through the network means in order to provide a web interface corresponding to the manager terminal 100 and the network means. And an interface unit 110 for connecting and managing channels, whereby the information processing server 105 is connected to the manager terminal 100 via a wired network and / or a wireless network. It has the function of a server.

According to an embodiment of the present invention, when the manager terminal 100 is a wired terminal to which a communication channel is connected through a TCP / IP-based wired network, the interface unit 110 may connect the manager terminal 100 and HTTP ( An interface screen and / or information providing screen in the form of a Hyper-Text Markup Language (HTML) compatible document is connected to the manager terminal 100 through a communication channel based on a Hyper-Text Transfer Protocol protocol. It is preferable to perform a function of transmitting and outputting and receiving and processing non-face-to-face financial transaction customer information input (or selected) through the interface screen from the manager terminal 100.

According to another exemplary embodiment of the present invention, when the manager terminal 100 is a wireless terminal to which a communication channel is connected through a CDMA-based wireless network, the interface unit 110 connects to the manager terminal 100 and a WAP (Wireless). Connect a predetermined communication channel based on Application Protocol and / or Mobile Explorer (ME) protocol, and the interface in the form of WML (Wireless Markup Language) and / or HTML compatible document to the manager terminal 100 through the communication channel. It is preferable to perform a function of transmitting and outputting a screen and / or an information providing screen and receiving and processing predetermined non-face-to-face financial transaction customer information corresponding to the interface screen from the manager terminal 100.

According to another exemplary embodiment of the present invention, when the manager terminal 100 is a wireless terminal to which a communication channel is connected through an IEEE 802.16 based wireless network, the interface unit 110 is connected to the manager terminal 100. A predetermined communication channel is connected based on a wireless protocol corresponding to the IEEE 802.16 standard, a predetermined interface screen and / or an information providing screen is transmitted to the manager terminal 100 through the communication channel, and outputted, and the manager terminal is output. It is preferable to perform a function of receiving and processing predetermined non-face-to-face financial transaction customer information corresponding to the interface screen from 100, and / or the manager terminal 100 communicates via a DataTAC / Mobitex based wireless network. In the case of a wireless terminal to which a channel is connected, the interface unit 110 corresponds to the manager terminal 100 and the dataTAC / Mobitex standard. Connect a predetermined communication channel based on a line protocol, transmit and output a predetermined interface screen and / or information providing screen to the manager terminal 100 through the communication channel, and output the interface from the manager terminal 100. It is preferable to perform a function of receiving and processing predetermined non-face-to-face financial transaction customer information corresponding to the screen.

Referring to FIG. 1, the information processing server 105 cooperates with the interface unit 110 when a predetermined manager terminal 100 accesses the information processing server 105 through the interface unit 110. An interface providing unit 115 for generating (or extracting) a predetermined interface screen for inputting (or selecting) and transmitting predetermined non-face-to-face financial transaction customer information in the manager terminal 100 and the interface unit ( And an information receiver 120 for receiving non-face-to-face financial transaction customer information that is input (or selected) and transmitted from the manager terminal 100 through the interface screen.

In addition, the information processing server 105 is an information collection unit 125 for collecting at least one or more CRM information corresponding to the non-face-to-face financial transaction customer information from at least one or more CRM information management system through a predetermined communication means; An information checking unit 130 for reading at least one CRM information collected through the information collecting unit 125 to confirm at least one customer recommendation target financial product information to be recommended to the non-face-to-face financial transaction customer; and the information And an information storage unit 140 that stores at least one customer recommendation target financial product information identified by the identification unit 130 and the customer information and / or customer account information in a predetermined storage medium 145. Characterized in that made.

The interface providing unit 115 has a functional configuration (eg, manager) provided in the manager terminal 100 when a predetermined manager terminal 100 is connected to the information processing server 105 through the interface unit 110. Corresponding to the browser program included in the terminal 100, a predetermined interface screen capable of inputting (or selecting) predetermined non-face-to-face financial transaction customer information and transmitting it to the information processing server 105 through the network means is generated. Or, and / or extract from a predetermined database (not shown) and provide the generated (or extracted) interface screen to the manager terminal 100 through the network means in association with the interface unit 110. It features.

Thereafter, the manager terminal 100 inputs (or selects) predetermined non-face-to-face financial transaction customer information based on the interface screen, and inputs the input (or selected) non-face-to-face financial transaction customer information through the network means. The data is sent to the information processing server 105.

The information receiver 120 interoperates with the interface unit 110 when the manager terminal 100 inputs (or selects) predetermined non-face-to-face financial transaction customer information through the interface screen and transmits the information through the network means. And receiving the non-face-to-face financial transaction customer information, and providing the received non-face-to-face financial transaction customer information to the information collecting unit 125.

According to another preferred method of the present invention, the non-face-to-face financial transaction customer information is not received from the manager terminal 100, but is extracted from predetermined customer information D / B (not shown) provided on the network, and And / or extracted from certain customer information D / B (not shown) included in the DBMS provided on the at least one non-face-to-face financial transaction system, and / or on the financial system linked to the at least one non-face-to-face financial transaction system. It is possible to be extracted from the ledger D / B (not shown) included in the DBMS provided in (for example, extracted from the customer ledger provided in the ledger D / B), whereby the present invention is not limited.

The non-face-to-face financial transaction customer information is received from the manager terminal 100 through the information receiving unit 120, and / or from the predetermined customer information D / B (not shown) provided on the network. Face-to-face financial transaction customer information is extracted and / or predetermined non-face-to-face financial transaction customer information is extracted from predetermined customer information D / B (not shown) included in a DBMS provided on at least one non-face-to-face financial transaction system. And / or some non-face-to-face financial transaction customer information is extracted from the ledger D / B (not shown) included in the DBMS provided on the financial system associated with at least one non-face-to-face financial transaction system (eg, ledger). Once extracted from the customer ledger provided in the D / B, the information collecting unit 125 uses predetermined communication means (for example, the information processing server 10) by using the received (or extracted) non-face-to-face financial transaction customer information. 5) and a dedicated communication network connecting each CRM information management system) to collect at least one CRM information corresponding to the non-face-to-face financial transaction customer information from at least one CRM information management system.

Here, the information processing server 105 provides each CRM information management system and CRM information (or at least one CRM information corresponding to the non-face-to-face financial transaction customer information from at least one CRM information management system). It is preferable that a business alliance is concluded or that each CRM information management system is linked in the form of an affiliate (or subsidiary).

According to an embodiment of the present invention, the CRM information management system preferably comprises a financial system in which a customer financial account is opened for the non-face-to-face financial transaction customer, and the non-face-to-face is provided in the DBMS provided on the financial system. CRM information corresponding to the opening of at least one financial account for the financial transaction customer and / or at least one CRM information corresponding to the use of the financial transaction of the non-face-to-face financial transaction customer is generated to generate It is preferably stored in CRM D / B.

In this case, the information collecting unit 125 collects (or collects and temporarily stores in a predetermined database (not shown) the financial-related CRM information included in the DBMS on the financial system through a predetermined communication means). It is preferable to provide to the information verification unit 130.

Here, the financial system preferably comprises a banking system for the non-face-to-face financial transaction customers, and comprises at least one other financial system affiliated with the information processing server 105 in accordance with the implementation method. desirable.

In addition, the financial-related CRM information collected from the financial system is preferably collected from the CRM D / B provided in the financial system, or in the process of setting the customer recommendation target financial products according to the invention in the financial system If no valid CRM D / B is provided or the CRM D / B is not shared with the information processing server 105, the financial-related CRM information is obtained from a predetermined ledger D / B provided in the financial system. Preferably, the non-face-to-face financial transaction customer information is collected as the financial CRM information.

Those skilled in the art to which the present invention belongs, Technical features for generating at least one or more financial-related CRM information for the non-face-to-face financial transaction customer in the financial system and stored in a predetermined CRM D / B, Since the technical characteristics of the preferred information configuration for the securities-related CRM information, and the technical features for collecting at least one or more securities-related CRM information from the DBMS on the financial system will be familiar with, Detailed description thereof will be omitted for convenience.

In addition, the CRM information management system preferably comprises a securities system opened a customer securities account for the non-face-to-face financial transaction customer, DBMS provided on the security system at least for the non-face-to-face financial transaction customer CRM information corresponding to the opening of one or more securities accounts, and / or at least one CRM information corresponding to the use of securities transactions by the non-face-to-face financial transaction customer is generated, and the CRM information related to the securities may be generated. It is preferably stored in B.

In this case, the information collecting unit 125 collects (or collects and temporarily stores the stock-related CRM information included in the DBMS on the securities system through a predetermined communication means in a predetermined database (not shown)), It is preferable to provide to the information verification unit 130.

Here, the securities system preferably comprises a company's securities system for the non-face-to-face financial transaction customers, and comprises at least one third party securities system affiliated with the information processing server 105 according to the implementation method. desirable.

In addition, the securities related CRM information collected from the securities system is preferably collected from the CRM D / B provided in the securities system, or in the securities system in the process of setting the customer recommendation target financial products according to the present invention If no valid CRM D / B is provided or if the CRM D / B is not shared with the information processing server 105, the securities related CRM information is provided with predetermined customer information D / B provided in the securities system. And / or from the securities product D / B, information for identifying the securities product to which the non-face-to-face financial transaction customer has subscribed is preferably collected as the securities related CRM information.

Those skilled in the art to which the present invention belongs, Technical features for generating at least one or more securities related CRM information for the non-face-to-face financial transaction customer in the securities system and stores in a predetermined CRM D / B, Since the technical characteristics of the preferred information configuration for the securities-related CRM information, and the technical features for collecting at least one or more securities-related CRM information from the DBMS on the brokerage system will be familiar with Detailed description thereof will be omitted for convenience.

In addition, the CRM information management system preferably comprises a card system for issuing a predetermined card (for example, credit card, check card, debit card, prepaid card, etc.) to the non-face-to-face financial transaction customer, the card system In the DBMS provided on the CRM information corresponding to the issuance of the card is provided with at least one payment means for the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer corresponding to the card payment processing using the card Preferably, card-related CRM information including at least one CRM information is generated and stored in a predetermined CRM D / B.

In this case, the information collecting unit 125 collects (or collects and temporarily stores the card-related CRM information provided in the DBMS on the card system through a predetermined communication means) in a predetermined database (not shown). It is preferable to provide to the information verification unit 130.

Here, the card system preferably comprises a company card system for the non-face-to-face financial transaction customer, and comprises at least one third party card system affiliated with the information processing server 105 according to the implementation method. This is preferred.

In addition, the card-related CRM information collected from the card system is preferably collected from the CRM D / B provided in the card system, or in the process of setting the customer recommendation target financial products according to the present invention in the card system If no valid CRM D / B is provided or if the CRM D / B is not shared with the information processing server 105, the card-related CRM information is assigned to the predetermined customer information D / B provided in the card system. And / or from the card product D / B, it is preferable that the non-face-to-face financial transaction customer information that can confirm the card product subscribed to is collected as the card-related CRM information.

Those skilled in the art to which the present invention pertains, Technical features for generating at least one or more card-related CRM information for the non-face-to-face financial transaction customer in the card system to store in a predetermined CRM D / B, Since the technical characteristics of the preferred information configuration for the card-related CRM information, and the technical feature for collecting at least one or more card-related CRM information from the DBMS on the card system will be familiar with, Detailed description thereof will be omitted for convenience.

In addition, the CRM information management system preferably comprises an insurance system in which a predetermined insurance (for example, credit card, check card, debit card, prepaid card, etc.) to the non-face-to-face financial transaction customer is included, the insurance The DBMS provided on the system includes CRM information corresponding to at least one insurance subscription for the non-face-to-face financial transaction customer and / or CRM information corresponding to the insurance benefit (or profit generation) by the non-face-to-face financial transaction customer. At least one insurance-related CRM information is preferably generated and stored in a predetermined CRM D / B.

In this case, the information collecting unit 125 collects (or collects and temporarily stores insurance-related CRM information included in the DBMS on the insurance system through a predetermined communication means) in a predetermined database (not shown). It is preferable to provide to the information verification unit 130.

In this case, the insurance system preferably comprises an own insurance system for the non-face-to-face financial transaction customers, and comprises at least one third party insurance system affiliated with the information processing server 105 according to the implementation method. desirable.

In addition, the insurance-related CRM information collected from the insurance system is preferably collected from the CRM D / B provided in the insurance system, or in the process of setting the customer recommendation target financial products according to the invention in the insurance system If no valid CRM D / B is provided or if the CRM D / B is not shared with the information processing server 105, the insurance related CRM information is provided with predetermined customer information D / B provided in the insurance system. And / or from the insurance product D / B, it is preferable that the non-face-to-face financial transaction customer information is collected as the insurance-related CRM information.

Those skilled in the art to which the present invention pertains, Technical features for generating at least one insurance-related CRM information for the non-face-to-face financial transaction customer in the insurance system to store in a predetermined CRM D / B, Since the technical characteristics of the preferred information configuration for the insurance-related CRM information, and the technical collection of the at least one insurance-related CRM information collected from the DBMS on the insurance system will be familiar with, Detailed description thereof will be omitted for convenience.

Referring to FIG. 1, a CRM information management system in which the information collecting unit 125 collects at least one or more CRM information for a specific non-face-to-face financial transaction customer is provided with at least one financial system and / or securities system and / or card. Although illustrated as including a system and / or insurance system, those of ordinary skill in the art, the CRM information management system is the financial system and / or securities system and / or card system and / or It will be clearly understood that it includes other systems in addition to the insurance system (e.g., a second financial system including a savings bank, or a loan system including a capital), and are not limited by the type of CRM information management system. No.

When at least one CRM information of the non-face-to-face financial transaction customer is collected from the at least one CRM information management system through the information collecting unit 125, the information checking unit 130 reads the CRM information and reads the non-CRM information. At least one financial instrument (e.g., a financial instrument corresponding to a financial institution, and / or a financial instrument corresponding to a securities company, and / or a financial instrument corresponding to a card company), and / or Financial products corresponding to the insurer).

According to the implementation method of the present invention, the collected CRM information is CRM information corresponding to the non-face-to-face financial transaction customer, the non-face-to-face financial transaction customer is at least one or more financial products (eg, free) provided on our financial system It is desirable to have already registered (or invested in) deposit and withdrawal deposits or deposits).

According to an embodiment of the present invention, the information checker 130 reads CRM information collected from at least one CRM information management system in addition to at least one or more financial products provided by the non-face-to-face financial transaction customer on the current financial system. Therefore, it is preferable to check at least one or more financial products that the non-face-to-face financial transaction customers have subscribed (or invested).

At least one financial product (eg, financial products corresponding to a financial company, and / or financial products corresponding to a securities company, and / or financial products corresponding to a card company) And / or a financial product corresponding to an insurance company), the information confirming unit 130 may identify a main transaction financial product of the non-face-to-face financial transaction customer among the at least one or more identified financial products.

According to an exemplary embodiment of the present invention, the non-face-to-face financial transaction customer's main transaction financial product includes a financial product subscribed (or invested) at the highest amount of the non-face-to-face financial transaction customer.

According to another exemplary embodiment of the present invention, the non-face-to-face financial transaction customer's main transaction financial product includes a financial product most frequently accessed by the non-face-to-face financial transaction customer.

If the non-face-to-face financial transaction customer's main transaction financial product is confirmed, the information verification unit 130 from the financial product D / B (135) at least one or more target financial products recommended for customer recommendation than the main financial product (Eg, a financial product corresponding to a financial company, and / or a financial product corresponding to a securities company, and / or a financial product corresponding to a card company, and / or a financial product corresponding to an insurance company).

If at least two or more customer recommendation target financial products are confirmed, the information checking unit 130 sorts the customer recommendation target financial products based on the operating profit of the financial institution among the plurality of customer recommendation target financial products. It is characterized by.

According to the method of the present invention, the information confirming unit 130 confirms the financial product having the highest operating profit to the financial institution among the identified plurality of customer recommendation target financial products as the first recommendation target financial product, and then It is desirable to identify a financial product with good operating profit as the second recommended financial product.

When at least one customer recommendation target financial product is confirmed by the information confirming unit 130, the information storage unit 140 checks the at least one customer recommendation target financial product information and the customer information and / or customer account. It is characterized by storing in a predetermined storage medium 145 by processing in association with the information.

According to one embodiment of the invention, the storage medium 145 is preferably provided in the information processing server 105 is shared with at least one non-face-to-face financial transaction system.

According to another exemplary embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on at least one non-face-to-face financial transaction system.

According to another embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system associated with at least one or more non-face-to-face financial transaction systems.

2 is a diagram illustrating an information processing process for setting at least one non-face-to-face financial transaction recommendation target financial product according to an embodiment of the present invention.

In more detail, in FIG. 2, the manager terminal 100 on the information processing system illustrated in FIG. 1 sets at least one non-face-to-face financial transaction customer recommendation financial product to the information processing server 105 through a predetermined network means. When transmitting the non-face-to-face financial transaction customer information for, at least one by collecting and reading at least one CRM information corresponding to the non-face-to-face financial transaction customer information from the at least one CRM information management system in the information processing server 105 After confirming the above-mentioned customer recommendation target financial product information, the process of linking the identified at least one customer recommendation target financial product information and the customer information and / or customer account information to store in a predetermined storage medium 145 As those skilled in the art to which the present invention pertains, reference is made to FIG. And / or modified to infer various implementation methods for the information processing process for setting at least one non-face-to-face financial transaction customer recommendation financial product, but the present invention includes all the implementation methods inferred above, It is not limited only to the implementation method shown in 2.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 2 to extract the non-face-to-face financial transaction customer information from a predetermined customer information D / B (not shown). It would be possible to infer a method, but the present invention encompasses the method of inference inferred.

Hereinafter, in FIG. 2, the information processing server 105 on the information processing system shown in FIG. 1 is referred to as " server " for convenience, and the manager terminal 100 on the information processing system shown in FIG. 1 is referred to as " terminal " It is called.

Referring to FIG. 2, a terminal on the information processing system shown in FIG. 1 connects to a server through the network means and connects a communication channel for setting at least one non-face-to-face financial transaction recommendation target financial product (200). ).

When the communication channel for setting at least one non-face-to-face financial transaction customer recommendation target financial product is connected between the terminal and the server as described above, the terminal recommends the at least one non-face-to-face financial transaction customer to the server through the communication channel. A user requesting an interface screen for setting a target financial product (205), and correspondingly, the server inputs the non-face-to-face financial transaction customer information (or extracts from predetermined customer information D / B provided in the terminal). An interface screen including an interface is generated (or extracted) (210), and the generated (or extracted) interface screen is transmitted to the terminal through the communication channel (215).

Thereafter, the terminal processes to input predetermined non-face-to-face financial transaction customer information (or extract from predetermined customer information D / B provided in the terminal) through the interface screen (220).

If the non-face-to-face financial transaction customer information is input (or extracted from predetermined customer information D / B provided in the terminal) at the terminal (225), the terminal is the non-face-to-face finance to the server through the communication channel The transaction customer information is transmitted (230).

According to another exemplary embodiment of the present invention, the non-face-to-face financial transaction customer information may be extracted from predetermined customer information D / B provided in the server, whereby the present invention is not limited thereto.

Thereafter, the server collects at least one CRM information corresponding to the non-face-to-face financial transaction customer from at least one or more CRM information management system through the non-face-to-face financial transaction customer information (235).

According to an embodiment of the present invention, the CRM information management system preferably comprises a financial system in which a customer financial account is opened for the non-face-to-face financial transaction customer, and the non-face-to-face is provided in the DBMS provided on the financial system. CRM information corresponding to the opening of at least one financial account for the financial transaction customer and / or at least one CRM information corresponding to the use of the financial transaction of the non-face-to-face financial transaction customer is generated to generate It is preferably stored in CRM D / B.

In this case, the server may collect at least one or more financial-related CRM information corresponding to the non-face-to-face financial transaction customer provided in the DBMS on the financial system through a predetermined communication means.

Here, the financial system preferably comprises a banking system for the non-face-to-face financial transaction customers, and comprises at least one other banking system affiliated with the information processing server 105 according to the implementation method. This is preferred.

In addition, the financial-related CRM information of the non-face-to-face financial transaction customer collected from the financial system is preferably collected from the CRM D / B provided in the financial system, or recommend the customer according to the invention to the financial system If a valid CRM D / B is not provided in the process of setting a target financial product, or if the CRM D / B is not shared with the information processing server 105, the financial-related CRM information is provided in the financial system. Preferably, the non-face-to-face financial transaction customer information from the ledger D / B is collected as the financial CRM information.

Those skilled in the art to which the present invention belongs, Technical features for generating at least one or more financial-related CRM information for the non-face-to-face financial transaction customer in the financial system and stored in a predetermined CRM D / B, The technical features of the preferred information configuration for the securities related CRM information, and the technical features of the server to collect at least one or more securities related CRM information from a DBMS on the financial system, etc. Omit for convenience.

In addition, the CRM information management system preferably comprises a securities system opened a customer securities account for the non-face-to-face financial transaction customers, DBMS provided on the security system at least for the non-face-to-face financial transaction customers CRM information corresponding to the opening of one or more securities accounts, and / or at least one CRM information corresponding to the use of securities transactions by the non-face-to-face financial transaction customer is generated, and the CRM information related to the securities may be generated. It is preferably stored in B.

In this case, the server may collect at least one or more securities related CRM information corresponding to the non-face-to-face financial transaction customer provided in the DBMS on the securities system through a predetermined communication means.

Here, the securities system preferably comprises a company's securities system for the non-face-to-face financial transaction customers, and comprises at least one third party securities system affiliated with the information processing server 105 according to the implementation method. desirable.

In addition, securities related CRM information of the non-face-to-face financial transaction customer collected from the securities system is preferably collected from the CRM D / B provided in the securities system, or recommend the customer according to the invention to the securities system If a valid CRM D / B is not provided in the process of setting a target financial product, or if the CRM D / B is not shared with the information processing server 105, the security-related CRM information is provided in the securities system. From the customer information D / B and / or securities products D / B of the non-face-to-face financial transaction customer information is preferably collected as the securities related CRM information.

Those skilled in the art to which the present invention belongs, Technical features for generating at least one or more securities related CRM information for the non-face-to-face financial transaction customer in the securities system and stores in a predetermined CRM D / B, The technical features of the preferred information configuration for the securities related CRM information, and the technical features of the server to collect at least one or more securities related CRM information from the DBMS on the securities system, etc. Omit for convenience.

In addition, the CRM information management system preferably comprises a card system for issuing a predetermined card (for example, credit card, check card, debit card, prepaid card, etc.) to the non-face-to-face financial transaction customer, the card system In the DBMS provided on the CRM information corresponding to the issuance of the card is provided with at least one payment means for the non-face-to-face financial transaction customer, and / or the non-face-to-face financial transaction customer corresponding to the card payment processing using the card Preferably, card-related CRM information including at least one CRM information is generated and stored in a predetermined CRM D / B.

In this case, the server may collect at least one or more card-related CRM information corresponding to the non-face-to-face financial transaction customer provided in the DBMS on the card system through a predetermined communication means.

Here, the card system is preferably made to include a company card system for the non-face-to-face financial transaction customers, and comprises at least one third party card system affiliated with the information processing server 105 according to the implementation method. desirable.

In addition, the card-related CRM information of the non-face-to-face financial transaction customer collected from the card system is preferably collected from the CRM D / B provided in the card system, or the customer recommendation according to the present invention to the card system If no valid CRM D / B is provided in the process of setting a target financial product, or if the CRM D / B is not shared with the information processing server 105, the card-related CRM information is provided in the card system. From the customer information D / B and / or card goods D / B of the non-face-to-face financial transaction customer information is preferably collected as the card-related CRM information.

Those skilled in the art to which the present invention pertains, Technical features for generating at least one or more card-related CRM information for the non-face-to-face financial transaction customer in the card system to store in a predetermined CRM D / B, The technical features of the preferred information configuration for the card-related CRM information, and the technical features of the server to collect at least one or more card-related CRM information from the DBMS on the card system, and so on, detailed description thereof Omit for convenience.

The CRM information management system may include an insurance system in which a predetermined insurance (for example, credit card, check card, debit card, prepaid card, etc.) is subscribed to the non-face-to-face financial transaction customer. The DBMS provided on the at least one CRM information corresponding to at least one insurance subscription for the non-face-to-face financial transaction customer, and / or CRM information corresponding to the insurance benefits (or revenue generation) at least the non-face-to-face financial transaction customer at least Preferably, at least one insurance related CRM information is generated and stored in a predetermined CRM D / B.

In this case, the server preferably collects at least one insurance-related CRM information corresponding to the non-face-to-face financial transaction customer provided in the DBMS on the insurance system through a predetermined communication means.

In this case, the insurance system preferably comprises an own insurance system for the non-face-to-face financial transaction customers, and comprises at least one third party insurance system affiliated with the information processing server 105 according to the implementation method. desirable.

In addition, the insurance-related CRM information of the non-face-to-face financial transaction customer collected from the insurance system is preferably collected from the CRM D / B provided in the insurance system, or recommend the customer according to the invention to the insurance system If a valid CRM D / B is not provided in the process of setting a target financial product, or if the CRM D / B is not shared with the information processing server 105, the insurance-related CRM information is provided in the insurance system. From the customer information D / B and / or the insurance product D / B of the non-face-to-face financial transaction customer information is preferably collected as the insurance-related CRM information.

Those skilled in the art to which the present invention pertains, Technical features for generating at least one insurance-related CRM information for the non-face-to-face financial transaction customer in the insurance system to store in a predetermined CRM D / B, The technical features of the preferred information configuration for the insurance-related CRM information, and the technical features of the server to collect at least one insurance-related CRM information from the DBMS on the insurance system, etc., so that the detailed description thereof Omit for convenience.

If at least one CRM information for the non-face-to-face financial transaction customer is collected from at least one CRM information management system (240), the server reads the collected at least one CRM information to target at least one customer recommendation target. The financial instrument information is checked (245).

According to an embodiment of the present invention, the server reads the CRM information and at least one financial product (eg, a financial product corresponding to a financial company, and / or a securities company) that the non-face-to-face financial transaction customer subscribes to (or invests in). It is desirable to identify the financial products corresponding to the financial instruments corresponding to the financial instruments, and / or the financial instruments corresponding to the credit card companies, and / or the financial instruments corresponding to the insurance companies.

Here, the collected CRM information is CRM information corresponding to the non-face-to-face financial transaction customer, the non-face-to-face financial transaction customer is at least one or more financial products (eg free deposit and withdrawal deposit, or deposit deposit) provided on the current financial system Etc.) is preferably subscribed (or invested).

In addition, the server reads the CRM information collected from at least one CRM information management system in addition to at least one or more financial products provided by the non-face-to-face financial transaction customer on the current financial system, so that the non-face-to-face financial transaction customer subscribes ( Or at least one financial instrument).

As described above, at least one financial product (eg, a financial product corresponding to a financial company, and / or a financial product corresponding to a securities company, and / or a credit corresponding to a card company) that the non-face-to-face financial transaction customer has previously subscribed to (or invested in) Product, and / or a financial product corresponding to an insurer), the server preferably checks the main transaction financial product of the non-face-to-face financial transaction customer among the at least one identified financial product.

According to an exemplary embodiment of the present invention, the non-face-to-face financial transaction customer's main transaction financial product includes a financial product subscribed (or invested) at the highest amount of the non-face-to-face financial transaction customer.

According to another exemplary embodiment of the present invention, the non-face-to-face financial transaction customer's main transaction financial product includes a financial product most frequently accessed by the non-face-to-face financial transaction customer.

When the main transaction financial product of the non-face-to-face financial transaction customer is confirmed, the server corresponds to at least one customer recommendation target financial product (eg, a financial company) that has an expected yield higher than the main transaction financial product from the financial product D / B 135. Financial products, and / or financial products corresponding to securities companies, and / or financial products corresponding to card companies, and / or financial products corresponding to insurance companies, etc.).

If at least one customer recommendation target financial product information is identified (250), the server sorts the identified at least one customer recommendation financial product information in the order of operating profits of the financial institution (255).

According to an embodiment of the present invention, the server checks the financial product having the highest operating profit to the financial institution among the identified plurality of customer recommendation target financial products as the first recommendation target financial product, and has the next excellent financial profit. It is desirable to identify the product as the second recommended financial product.

Thereafter, the server associates the sorted at least one customer recommendation target financial product information with the customer information and / or customer account information for the non-face-to-face financial transaction customer and stores them in a predetermined storage medium 145 (260). ).

According to one embodiment of the invention, the storage medium 145 is preferably provided in the information processing server 105 is shared with at least one non-face-to-face financial transaction system.

According to another exemplary embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on at least one non-face-to-face financial transaction system.

According to another embodiment of the present invention, the storage medium 145 is preferably provided in a DBMS on a financial system associated with at least one or more non-face-to-face financial transaction systems.

3 is a diagram illustrating a non-face-to-face financial transaction system configuration for inducing output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

More specifically, Figure 3 illustrates at least one non-face to face financial transaction system (e.g., 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), the financial product information of the customer recommendation can be obtained through the information processing system shown in FIG. In the configuration of a non-face-to-face financial transaction system for outputting the predetermined financial information of the target customer recommendation registered for the output and subscription to the non-face-to-face financial transaction interface and induces the non-face-to-face financial transaction customer to subscribe to the target financial product. As a method for carrying out the present invention, those skilled in the art may refer to FIG. 3 and / or May be modified to include information shown in FIG. 1 in other non-face-to-face financial transaction systems other than the Internet banking system (eg, 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 inducing output and subscription of predetermined customer recommendation target financial product information through a processing system may be inferred, the present invention includes all the inferred implementation methods, and is illustrated in FIG. It is not limited to implementation method.

For example, in FIG. 3, the storage medium 145 shown in FIG. 1 is illustrated as being provided in the DBMS 320 on the Internet banking system in order to efficiently explain the technical features of the present invention. It is never 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). 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 Including the Internet banking server 300, 300, the Internet banking server 300 is a financial system 360 for processing the financial business required to provide the Internet banking service through a predetermined interface means (355) Is associated with.

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 Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 3 shows a non-interest between the client terminal and the Internet banking server 300 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 face-to-face financial transactions 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. By referring to and / or modifying the present invention, an Internet banking system configuration for processing non-face-to-face financial transactions between the client terminal and the internet banking server 300 may be inferred based on a predetermined internet banking program mounted on the client terminal. However, the present invention is the Internet banking Internet banking system provided based on the program, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention belongs, in addition to the Internet banking system by referring to and / or modifying the configuration of the Internet banking system shown in Figure 3, in addition to the non-face-to-face 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 any type of non-face-to-face banking system including a TV banking system and / or a home banking system and / or a non-face-to-face channel banking system proposed in the future, 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 300 based on the wired communication function based on TCP / IP and the desktop having at least one web browser for receiving a wired web service based on the browsing ( Desktop) characterized in that it comprises a wired terminal including at least one computer and / or notebook (Notebook), the Internet banking server 300 through a predetermined network means including the TCP / IP-based Internet And a communication channel for internet banking is connected.

The financial system 360 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. An accounting system 362 that handles window services, such as credits or receiving or trusts or foreign exchanges that occur, an information system 363 that processes the headquarters' operations, 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 external interface 361, and an interface corresponding to a middleware platform that provides interfacing between components in the financial system. At least for storing and managing the eS module 365 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. It includes a database management system (DBMS 364) that includes one or more databases, and the intention of the skilled person and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) and the purpose of the financial system. And according to the features, 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), in the technical field to which the present invention belongs Those skilled in the art will clearly understand the technical details of the financial system 360, and thus the detailed description thereof will be omitted for convenience. The present invention is not limited by this.

According to the method of the present invention, the internet banking server 300 is interlocked with the financial system 360 through the external system 361, and for this purpose, the external system 361 has a predetermined interface means 355. It is preferable to include a component for interworking with the Internet banking server 300 through.

The internet banking server 300 is a database 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 at the financial Database for storing the Internet banking information required to provide a predetermined Internet banking service in conjunction with the system 360, and / or stores the customer recommendation target financial product information through the information processing system shown in Figure 1 DBMS 320 including a database or the like, or in accordance with the method characterized in that the interworking with the data server provided with the DBMS 320, thereby providing a predetermined Internet banking service to at least one or more of the client terminal Is provided.

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 300, and / or the customer Authorize the financial transaction customer during at least one financial transaction through a banking server 300, and / or authenticate the customer who subscribes to the financial product when the customer subscribes at least one financial product to the Internet banking server 300. And the banking element information for processing the financial transaction corresponding to the financial transaction request in connection with the financial system 360 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 case of FIG. 3 will be omitted for convenience.

According to the method of the present invention, the customer recommendation target financial product information registered through the information processing system shown in FIG. 1 is not a DBMS 320 provided on the Internet banking system, but a DBMS ( 364), and the present invention is not limited thereto.

Referring to FIG. 3, the Internet banking server 300 includes a web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing a predetermined Internet banking service to at least one or more client terminals. 305, a web page operating unit 315 for operating a web page to be provided to at least one or more client terminals in cooperation with the web interface unit 305 and the DBMS 320, and the web page operating unit 315. ) A UI processing unit 310 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one client terminal in cooperation with the at least one client terminal, and the DBMS (operating with the UI processing unit 310). Extract predetermined content for providing the Internet banking service from 320 or a predetermined control to be stored in the DBMS 320 from the client terminal. And a content management unit 325 for receiving a message, and a communication channel and a user for processing Internet banking based on HTTP between the client terminal and the Internet banking server 300 by the function configuration. The interface is implemented.

In addition, the Internet banking server 300 interoperates with the webpage operation unit 315 through the UI processing unit 310 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 330 is provided or receives at least one or more customer authentication information based on the interface screen.

In addition, the Internet banking server 300 is connected to the web page operation unit 315 through the UI processing unit 310 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 335 receiving at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 300 has a ledger processing unit 340 for performing a ledger processing procedure corresponding to the financial transaction requested from the customer in conjunction with the financial system 360 through a predetermined interface means 355. The ledger processing unit 340 is preferably connected to the external system 361 of the financial system 360 through the interface means 355.

In addition, the Internet banking server 300, when the predetermined financial transaction interface to be provided to the client terminal from the UI processing unit 310 is generated, from the DBMS 320 through the information processing system shown in FIG. And an information extracting unit 345 which extracts the registered predetermined customer recommendation target financial product information and provides it to the UI processing unit 310.

For example, the information extractor 345 preferably extracts first recommendation target financial product information from the DBMS 320.

In addition, the information extracting unit 345 stores the number of times of extracting the customer recommendation target financial product information extracted from the DBMS 320 in a predetermined database (eg, a database storing the customer recommendation target financial product information). Preferably, the specific customer recommendation target financial product information is extracted N (N> 1) or more times and provided to the client terminal through the UI processor 310, but the subscription process is not performed through the client terminal. In this case, the information extracting unit 345 may extract the customer recommendation target financial product information of the next rank and provide the extracted financial product information to the UI processing unit 310.

For example, the first recommendation financial product information has been extracted from the DBMS 320 more than N (N> 1) times and provided to the client terminal through the UI processor 310, but the subscription processing is performed through the client terminal. If not, the information extracting unit 345 may extract the second recommendation target financial product information from the DBMS 320 and provide the information to the UI processing unit 310.

The customer authentication information stored in the DBMS 320 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 300 through the client terminal. It is preferable to include the member information including the above, in this case, the customer authentication unit 330 interoperates with the UI processing unit 310 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 300 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 330 preferably further comprises a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 320 is the certification authority information (for example, KFTC) and certificate server information, and / or the official certificate registration that issued a predetermined official certificate to the 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. Preferably, the customer authentication unit 330 requests the authentication certificate based customer authentication through an authentication certificate registered by the registrar to the authentication server of the certification authority, and the customer authentication result from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 330 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 330.

In addition, the customer authentication information stored in the DBMS 320 is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 300 through the client terminal, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 330 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 330 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 330 (for example, if the random number is generated in the client terminal further includes a random number in the form of plain text), the customer authentication unit 330 and the 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 330), it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored information previously stored in the client terminal (eg, information stored in the storage device of the client terminal by the Internet banking server 300, 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. Equation is encrypted through the formula provided to the customer authentication unit 330, and the encrypted storage based on the customer certificate authentication information extracted from the copy of the customer certificate and / or the directory in the customer authentication unit 330 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 a secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or an encryption method using at least one or more of an encryption method provided to the customer authentication unit 330. And, in the customer authentication unit 330 is authorized of the customer extracted from the copy of the customer's certificate and / or the directory By decrypting the encrypted input information based on the certificate information comparison the call, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 320 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, this When the customer authentication unit 330 interoperates with the UI processing unit 310 to request a predetermined OTP code to the client terminal, receives the OTP code from the client terminal, 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 330 preferably further includes a function configuration for decrypting the OTP code. Do.

When at least one financial transaction is requested from the client terminal, the banking processor 335 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in cooperation with the UI processor 310. 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 340.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processing unit 335 may interwork with the UI processing unit 310 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 financial transaction information to withdraw money and deposits it into the deposit account and provides it to the ledger processing unit 340.

According to an embodiment of the present invention, the banking processing unit 335 may receive the predetermined financial transaction request information from the client terminal, in connection with the customer authentication unit 330, through the at least one customer authentication method through the financial 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 client terminal (or a customer who has entered (or selected) and transmitted the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 335 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 335 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 processor 335 may secure the confidentiality, authentication, integrity, and nonrepudiation 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 335 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 340 is characterized in that the interface with the financial system 360 through a predetermined interface means 355, the predetermined financial transaction information is generated (or extracted) by the banking processing unit 335 In this case, at least one ledger information to be extracted from the ledger on the financial system 360 corresponding to the financial transaction information is identified, and the identified from the ledger on the financial system 360 through the interface means 355. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 360 in response to the financial transaction information, and through the interface means 355 the financial system ( And recording the generated (or extracted) ledger record information in the ledger on the 360).

For example, the financial transaction requested from the client terminal is an account inquiry transaction for the last month, and the banking processing unit 335 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or Extract), the ledger processing unit 340 is linked to the account ledger (and / or the customer ledger) on the financial system 360 through the interface means 355 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 335.

4 is a diagram illustrating a process of connecting a financial transaction channel for a non-face-to-face financial transaction that induces the output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

More specifically, FIG. 4 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. 3, when the client terminal accesses the Internet banking server 300 through a TCP / IP based network (for example, the Internet), the client terminal performs a predetermined customer authentication procedure. The present invention relates to a method of connecting an internet banking-based financial transaction channel between a client terminal and an internet banking server 300. Those skilled in the art may refer to and / or modify the present invention. To connect an internet banking-based financial transaction channel for non-face-to-face financial transactions between the client terminal and the internet banking server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

That is, FIG. 4 shows the browser program when accessing the Internet banking server 300 through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although the implementation method for connecting the Internet banking-based financial transaction channel for non-face-to-face financial transactions between the client terminal and the Internet banking server 300 based on the present invention, those skilled in the art The client terminal and the internet banking server 300 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 the browser program shown in FIG. Internet for non-face-to-face financial transactions It would be possible to infer an implementation method of linking a banking-based financial transaction channel, but the present invention includes the provided internet banking-based financial transaction based on the internet banking program, whereby the present invention is not limited thereto.

Also, those skilled in the art to which the present invention pertains may refer to, and / or modify, the Internet banking-based financial transaction channel connection method shown in FIG. 4, in addition to the internet banking system, 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. Including all types 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. The technical configuration of the invention is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 4, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server 300 is referred to as a "server" for convenience.

Referring to FIG. 4, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (400), the server connects a communication channel between the terminal and the server through the browser. 405, wherein the communication channel is generated (or extracted) a predetermined web page to the client terminal in response to a request of a browser program provided in the client terminal in the server, and the browser provided in 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 (410).

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 (415), 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 (420).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (425), or if the terminal does not need to load and / or update the security module for internet banking (415), 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 (430), 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 information, 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 is provided from the server to the terminal according to a communication protocol defined in the internet banking program. (Or data) by attaching a predetermined digital signature and / or by providing it by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / 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 electronic signature to information (or data) to be performed and / or at least one When encrypted by the above encryption method (and / or encryption algorithm) and transmitted, the server confirms 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 (435).

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 (440), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (445).

If the Internet banking customer authentication fails (450), the server blocks the Internet banking security channel for the terminal (455), 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 (450), 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 (460), 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).

5 is a diagram illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

More specifically, FIG. 5 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. 3, the client terminal accesses the Internet banking server 300 through the process shown in FIG. 4 to perform a predetermined customer authentication procedure, and then the client terminal and the Internet. When an internet banking-based financial transaction channel is connected between the banking server 300, the client terminal requests a non-face-to-face financial transaction from the client terminal through the internet banking-based financial transaction channel, and the internet banking server. In step 300, the requested financial transaction is processed and the result is transferred through the internet banking-based financial transaction channel. In the non-face-to-face financial transaction process provided to the client terminal for outputting and joining a predetermined customer recommendation target financial product registered through the information processing system shown in Figure 1 through the non-face-to-face financial transaction interface As those skilled in the art to which the present invention pertains, various non-face-to-face interactions using an internet banking-based financial transaction channel between the client terminal and the internet banking server 300 may be made by referring to and / or modifying the present invention. While it may be possible to infer a method of inducing output and subscription through a non-face-to-face financial transaction interface of a predetermined customer recommendation financial product among financial transactions, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown.

That is, FIG. 5 is connected to the Internet banking server 300 through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. When a financial transaction channel is connected, the implementation method of processing the financial transaction requested from the client terminal through the browser program is illustrated, but a person having ordinary knowledge in the technical field to which the present invention pertains is illustrated in FIG. Internet banking 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 using a browsed browser program, and various forms of internet banking are performed between the client terminal and the internet banking server 300. Based financial transactions It would be possible to infer a method, 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 may refer to and / or modify the Internet banking-based financial transaction method shown in FIG. 5, 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. 5, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server 300 is referred to as a "server" for convenience.

Referring to FIG. 5, when the internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 4, 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 (500), 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 registered customer recommendation financial product information through the information processing system shown in Figure 1 (505).

According to an embodiment of the present invention, the customer recommendation target financial product information is preferably stored in a DBMS provided on the Internet banking system, according to another embodiment, the customer recommendation target financial product information is the Internet It is possible to extract from the ledger information of the DBMS provided on the financial system associated with the banking system, whereby the present invention is not limited.

According to an embodiment of the present invention, it is preferable that the server extracts the customer recommendation target financial product information of the highest priority that is not provided N (N> 1) times or more from the DBMS to the terminal.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined financial transaction interface including the extracted customer recommendation target financial product information (510), and generates the web page through the internet banking-based financial transaction channel ( Alternatively, the extracted web page is transmitted to the terminal for output (515).

According to an embodiment of the present invention, the financial transaction interface may include an information providing interface that allows the customer to check the customer recommendation financial product information through the terminal during a predetermined internet banking-based financial transaction, and the customer may use the terminal. It is preferable to include a user interface for subscribing to the customer recommended financial products through.

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 customer recommendation target financial product 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. The server preferably generates (or extracts) a web page corresponding to a predetermined financial transaction interface corresponding to the customer recommendation target financial product information matching the customer authentication information identified 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.

According to the implementation method of the present invention, as described above, the financial transaction interface, the information providing interface that allows the customer to confirm the customer recommendation target financial product information through the terminal, and the customer through the terminal to the customer recommendation target finance When a user interface for subscribing to a product is included, the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, and / or subscribes to the customer recommendation financial product included in the financial transaction interface. A procedure for subscribing to the customer recommendation target financial product may be performed through a user interface for the present invention, which is described in detail with reference to FIG. 6.

When the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, the terminal inputs at least one financial transaction request information for each internet banking-based financial transaction through the financial transaction interface. Or select 520).

If the financial transaction request information is input (or selected) through the financial transaction interface at the terminal (525), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Transmit (530).

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 the validity of the financial transaction request information by receiving and reading the financial transaction request information through the financial transaction channel (535).

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 (540), the server generates a web page including predetermined financial transaction error information and transmits the generated web page to the terminal (545), 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 (540), the server performs a financial transaction procedure corresponding to the financial transaction request information (550).

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) (555), the server generates a web page including predetermined financial transaction error information. In step 545, 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 (555), the server generates a web page including predetermined financial transaction history information and transmits it to the terminal (560), the financial transaction requested from the terminal To complete.

6 is a diagram illustrating a process of inducing output and subscription of financial product information for customer recommendation according to an exemplary embodiment of the present invention.

More specifically, FIG. 6 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). An information providing interface for confirming the financial product information of the customer recommendation to the financial transaction interface output through the process shown in FIG. 5 to the client terminal on the Internet banking system shown in FIG. 3, and the customer to the terminal. If a user interface for subscribing to the target financial product for the customer recommendation is included, the client terminal induces and processes the subscription for the target financial product for the customer recommendation through the user interface for subscribing to the target financial product for the customer recommendation. As an implementation method, the present invention generally Those skilled in the art may refer to and / or modify this drawing to further modify non-face-to-face financial transaction systems other than the Internet banking system (e.g., telebanking system, and / or wireless banking system, and / or TV banking system, and And / or a home banking system) may infer various implementation methods for inducing and processing the customer's subscription to the customer recommendation target financial product information through the customer recommendation target financial product information output to the client terminal shown in FIG. It will be appreciated that the present invention encompasses all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 6, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the Internet banking server 300 is referred to as a “server” for convenience.

Referring to FIG. 6, an information providing interface for confirming the financial product information targeted for the customer recommendation on the financial transaction interface output to the terminal through the process illustrated in FIG. 5, and the customer recommending the customer through the terminal. When the user interface for subscribing to the target financial product is included, the terminal checks whether the customer subscribes to the exposed target financial product through the user interface for subscribing to the target financial product (600). ).

According to an embodiment of the present invention, when only the Internet banking-based financial transaction shown in FIG. 5 is made in the terminal, it is preferable to confirm that the customer does not subscribe to the customer recommendation target financial product. When predetermined financial product subscription information is input (or selected) through a user interface for subscribing to a financial product targeted for customer recommendation, it is preferable to confirm that the customer subscribes to the financial product targeted for customer recommendation.

If it is determined that the terminal does not subscribe to the customer recommendation target financial product (605), the terminal generates a predetermined customer recommendation target financial product unsubscribed information and transmits the information to the server (610), and the server shows the drawing. The cumulative recommendation frequency (for example, the extraction frequency from the DBMS) for the customer recommendation target financial product information provided to the terminal is generated through the process illustrated in FIG. 5 and stored in association with the customer recommendation target financial product information (615). .

According to an embodiment of the present invention, the cumulative recommendation frequency (for example, the extraction frequency from the DBMS) for the customer recommendation target financial product information recommends the customer recommendation target financial product information of another kind (or next rank) to the customer. It is preferable that the number of counts included is included.

On the other hand, if it is determined that the terminal subscribes to the customer recommendation financial product (605), the terminal inputs (or selects) at least one financial product subscription information through a user interface for subscribing to the customer recommendation financial product. Check if it is (620).

If at least one financial product subscription information is input (or selected) through the user interface for subscribing to the customer recommendation target financial product at the terminal (625), the terminal may input the at least one financial product (or selected). Transmits product subscription information to the server (630), and the server transmits the financial product subscription information to the customer recommendation target financial product (e.g., a financial product corresponding to a financial company, and / or a financial product corresponding to a securities company; and // Or by transferring to a predetermined financial product operation server (not shown) corresponding to a financial product corresponding to a card company and / or a financial product corresponding to an insurance company, etc.). (635).

Those skilled in the art to which the present invention pertains, each financial product (e.g., financial products corresponding to financial companies, and / or financial products corresponding to securities companies, and / or financial products corresponding to card companies, and And / or the financial product subscription information corresponding to the financial product corresponding to the insurance company, and the technical characteristics of each financial product operation server performing the financial product subscription process corresponding to the financial product subscription information and the financial product subscription procedure. Since it will be understood, detailed description thereof will be omitted for convenience.

FIG. 7 is a diagram illustrating a non-face-to-face financial transaction system configuration for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

More specifically, FIG. 7 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 the information processing system shown in FIG. Outputting the financial product information of the customer recommendation target registered for setting up the transaction to the non-face-to-face financial transaction interface, and implementing the non-face-to-face financial transaction system for inducing the non-face-to-face financial transaction customer to subscribe to the customer-targeted financial product. As a method, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing. In other non-face-to-face financial transaction systems (e.g., Internet banking systems and / or wireless banking systems, and / or TV banking systems, and / or home banking systems) in addition to the telebanking system. Various implementation methods for inducing output and subscription of predetermined customer recommendation target financial product information through the system may be inferred, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method.

For example, in FIG. 7, the storage medium 145 shown in FIG. 1 is illustrated as being provided in the DBMS 720 on the telebanking system for an efficient explanation of the technical features of the present invention. It is never 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). ), 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 700 for providing a telebanking service to at least one of the call terminals, the telebanking server 700 is a predetermined interface means ( 755 is associated with a financial system 760 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. 7 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 the voice call function and the 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 configuration of the telebanking system shown in Figure 7, non-face-to-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 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.

In FIG. 7, the customer recommendation target financial product information may be an accurate term based on the voice-based initial interface setting information due to the characteristics of a telebanking system operating based on a voice call channel, but may correspond to other non-face-to-face financial transaction systems. Although the customer recommendation financial product information is used as it is for the term unification with an example, but the person having ordinary knowledge in the technical field to which the present invention belongs, the customer recommendation financial product information is the telebanking shown in FIG. It will be easy to infer what the system means, and the invention is not limited thereby.

The call terminal accesses the telebanking server 700 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 700 through the PSTN. It is characterized by connecting a currency channel for financial transactions.

In addition, the call terminal accesses the tele-banking server 700 based on the CDMA-based mobile communication network based on the wireless communication function and the wireless call function, and uses DTMF signal processing based 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, and the call terminal is connected to the telebanking server 700 through the mobile communication network. ) And a currency channel for non-face-to-face financial transactions.

In addition, the call terminal is connected to the telebanking server 700 based on the VoIP (Voice over Internet Protocol) -based VoIP network and the wired / wireless call function to answer the 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 700 via the VoIP network. It is characterized by connecting a currency channel for the transaction.

The financial system 760 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. An accounting system 762 for processing window services such as credits or receiving or trusts or foreign exchanges generated; an information system 763 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 761, and a middleware platform that provides interfacing between components in the financial system. The storage module 765 and at least to store and manage 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) 764 that includes one or more databases, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial bank, savings bank, trust bank) and the purpose of the financial system. And according to the features, 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), in the technical field to which the present invention belongs Those skilled in the art will understand the technical details of the financial system 760 clearly, and thus the detailed description thereof will be omitted for convenience. It does not limit the invention.

According to the method of the present invention, the telebanking server 700 is interlocked with the financial system 760 through the external system 761, and for this purpose, the external bank 761 has a predetermined interface means 755. It is preferable to include a component for interworking with the tele-banking server 700 through.

The telebanking server 700 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 or more call terminals). , A database storing voicement data including a voicement source formed by combining DTMF signals input by a customer, and / or telebanking required to provide a predetermined telebanking service in conjunction with the financial system 760. A DBMS 720 including a database for storing information, and / or a database for storing customer recommendation target financial product information registered through the information processing system shown in FIG. 1, or the DBMS 720 according to an implementation method. And interoperate with a data server 720, whereby at least one of the The predetermined telephone banking service is provided to the terminal screen.

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 700, and / or the customer Authenticate the financial transaction customer during at least one financial transaction through a banking server 700, 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 700. And the banking element information for processing the financial transaction corresponding to the financial transaction request in association with the financial system 760 when the financial transaction request is made from the customer through the call terminal. Preferably, at least one or more information required for telebanking may be further included according to the intention of a person skilled in the art. But, in the case of FIG. 7 will be omitted for convenience.

According to an embodiment of the present invention, the customer recommendation target financial product information registered through the information processing system shown in FIG. 1 is a DBMS 764 on the financial system rather than the DBMS 720 provided on the telebanking system. ) May be provided, whereby the present invention is not limited.

Referring to FIG. 7, the telebanking server 700 includes a call path setting unit 705 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 715 for reading a number / character corresponding to the DTMF signal by reading a DTMF signal received from at least one call terminal in cooperation with a setting unit 705 and the DBMS 720, and the DTMF A UI processing unit 710 for generating a voice-based user interface (UI) screen for providing a predetermined telebanking service to at least one call terminal in association with the processing unit 715, and the UI processing unit 710; A small bank for providing the telebanking service through at least one voicement data (eg, announcement source, and / or transaction source) stored in the DBMS 720 in association. And a voicement operation unit 725 for generating (or extracting) a voicement (eg, a guidement and / or a transaction) of the voicement, and by the function configuration, the call terminal and the telebanking server. Between 700 a call channel and a user interface for processing voice-based telebanking are implemented.

In addition, the telebanking server 700 provides a customer authentication interface to at least one call terminal in cooperation with the DTMF processing unit 715 through the UI processing unit 710 based on the customer authentication information of the telebanking information, The customer authentication unit 730 is provided with at least one customer authentication information based on the interface.

In addition, the telebanking server 700 may provide a financial transaction related interface to at least one call terminal by interworking with the DTMF processor 715 through the UI processor 710 based on the banking element information of the telebanking information. The banking processor 735 is provided with at least one financial transaction related information based on the interface.

In addition, the telebanking server 700 is provided with a ledger processing unit 740 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in cooperation with the financial system 760 through a predetermined interface means 755. The ledger processing unit 740 is preferably connected to the external system 761 of the financial system 760 through the interface means 755.

In addition, when a predetermined financial transaction interface to be provided by the UI processing unit 710 to the call terminal is generated, the telebanking server 700 may be generated from the DBMS 720 through the information processing system shown in FIG. 1. And an information extracting unit 745 which extracts the registered predetermined customer recommendation target financial product information and provides the extracted information to the UI processing unit 710.

For example, the information extractor 745 preferably extracts first recommendation target financial product information from the DBMS 720.

In addition, the information extraction unit 745 stores the number of times of extracting the customer recommendation target financial product information extracted from the DBMS 720 in a predetermined database (eg, a database storing the customer recommendation target financial product information). Preferably, the specific customer recommendation target financial product information is extracted N (N> 1) or more times and provided to the call terminal through the UI processing unit 710, but the subscription process is not made through the call terminal In this case, the information extractor 745 preferably extracts customer recommendation target financial product information of the next rank and provides the extracted information to the UI processor 710.

For example, the first recommendation financial product information has been extracted from the DBMS 720 more than N (N> 1) times and provided to the call terminal through the UI processor 710, but the subscription process is performed through the call terminal. If not, the information extraction unit 745 preferably extracts the second recommendation target financial product information from the DBMS 720 and provides it to the UI processing unit 710.

The customer authentication information stored in the DBMS 720 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 telebanking server 700 through the call terminal. It is preferable to include the member information included above, wherein the customer authentication unit 730 interoperates with the UI processing unit 710 to request the ID / PW information of the customer to the call terminal, 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 700 according to a conventional ID / PW transmission / 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 730 may be 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, customer authentication information stored in the DBMS 720 is transmitted to a 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) If the registration through the other line, such as the other line information), and / or the certificate information issued to the customer by the certification authority is preferably further included, wherein the customer authentication unit 730 is the authentication server of the certification 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 the authentication result provided, it characterized in that the authenticating of the customer.

According to an embodiment 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 730 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 730.

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 720 is transmitted through the call terminal. It is preferable to include a copy of the authentication certificate of the customer to access the 700, and / or directory connection information of the certification authority that issued a predetermined certificate to the customer, wherein the customer authentication unit 730, requesting the certificate-based customer information to the call terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer, receives the certificate-based customer information from the call terminal, the certificate-based By verifying customer information through a copy of the accredited certificate and / or through a directory of certification bodies, The is characterized in that authentication.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 730, or a predetermined random number generated by the call terminal, in this case 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 730 (for example, if the random number is generated in the call terminal further comprises a random number in the form of a plain text), the customer authentication unit 730 and the copy of the authentication certificate of the customer and / Or by decrypting encrypted random numbers based on the certificate information of the customer extracted from the directory and comparing them with each other, and / or in the plain text form. By be encrypted (e.g., the random number, and / or a random number generated by the call terminal generated by the client authentication unit 730) compares each other, 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 700, 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 The stored information is encrypted using 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. By providing to the unit 730, 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 730, mutual comparison, 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 (for example, a short-range communication device, etc.) other than a key input device provided in the call terminal, in which case the call terminal mirrors the input information through the public certificate. A key (or secret key) encryption method and / or a public key encryption method, and / or an electronic envelope encryption method, and / or an encryption method using at least one or more of a key exchange encryption method to the customer authentication unit 730 And providing a cancer based on the copy of the certificate of the customer and / or the certificate information of the customer extracted from the directory. By intercomparison by decoding the input encrypted information, 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, the customer authentication information stored in the DBMS 720 is provided to the customer by one time password. OTP generation information for generating an OTP authentication code that matches the OTP code generated through the authenticator is preferably made, wherein the customer authentication unit 730 is linked to the call processing terminal 710 to the call terminal 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 730 preferably further includes a function configuration for decrypting the OTP code. Do.

When at least one financial transaction is requested from the call terminal, the banking processor 735 provides a financial transaction request information input interface corresponding to the requested financial transaction to the call terminal in cooperation with the UI processor 710. 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 is generated (or extracted) and provided to the ledger processor 740.

For example, when the financial transaction requested from the call terminal is a bank transfer transaction, the banking processor 735 interworks with the UI processor 710 to transmit information to the call terminal (eg, withdrawal account number, 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 is received from the withdrawal account with reference to the banking element information. Generates the predetermined financial transaction information for withdrawing the transfer amount and depositing the money into the deposit account and providing it to the ledger processing unit 740.

According to an embodiment of the present invention, the banking processing unit 735 receives the predetermined financial transaction request information from the call terminal, in connection with the customer authentication unit 730 through the at least one customer authentication method through the financial 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 735 may secure the 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 735 Receives the financial transaction request information from the call terminal, and decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature, whereby the confidentiality of the financial transaction request information, Authentication, integrity and nonrepudiation are ensured.

Alternatively, the banking processor 735 may secure the confidentiality, authentication, integrity, and non-repudiation of 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 735 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 740 is characterized in interlocking with the financial system 760 through a predetermined interface means 755, the predetermined financial transaction information is generated (or extracted) by the banking processing unit 735. In this case, at least one ledger information to be extracted from the ledger on the financial system 760 in response to the financial transaction information is identified, and the identified from the ledger on the financial system 760 through the interface means 755. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 760 in response to the financial transaction information, and through the interface means 755 the financial system ( The generated (or extracted) ledger record information is recorded in the ledger on the screen 760.

For example, the financial transaction requested from the call terminal is an account inquiry transaction for the last month, and the banking processing unit 735 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or Extract), the ledger processing unit 740 is linked to the account ledger (and / or the customer ledger) on the financial system 760 through the interface means 755 based on the financial transaction information for the account inquiry Transaction history information associated with the account ledger) is extracted from the transaction history of the account and provided to the banking processor 735.

8A and 8B are diagrams illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

More specifically, FIGS. 8A and 8B 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. 7 of the present invention, the call terminal performs a predetermined call processing procedure through a predetermined voice call network to connect a call channel with the telebanking server, and then, at the call terminal, 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. Pre-registered through the information processing system shown in Figure 1 in the non-face-to-face financial transaction process provided to the call terminal through The present invention relates to a method of inducing output and subscription through a non-face-to-face financial transaction interface for a customer recommendation. Those skilled in the art may refer to FIGS. 8A and 8B. And / or modify a method of inducing output and subscription through a non-face-to-face financial transaction interface of a financial product targeted for a customer recommendation among various non-face-to-face financial transactions using a telebanking-based communication channel between the call terminal and the tele-banking server. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 8A and 8B.

8A and 8B are provided to the telebanking server through a predetermined voice call network (eg, a general telephone switching network (PSTN), and / or a mobile communication network, and / or a VoIP network) provided in the call terminal. When the tele-banking based communication channel is connected to the communication channel, the method for processing a financial transaction requested by the call terminal is illustrated. However, if the person of ordinary skill in the art belongs to the present invention, this figure 8a and 8b are provided. 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. It would be possible to infer a telebanking method for processing non-face-to-face financial transactions. However, the present invention is provided based on the data communication function. Includes a telebanking method, whereby 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. 8A and 8B, in addition to the telebanking system, and / or an internet banking system. 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. 8A and 8B. It is by no means limited to.

8A and 8B, the call terminal is referred to as " terminal " for convenience and the telebanking server is referred to as " server " for convenience.

8A and 8B, the terminal may be configured through at least one switch provided in the voice call network (eg, a general switched telephone network (PSTN), and / or a mobile communication network, and / or a VoIP network). By performing a call processing procedure, a predetermined communication channel for non-face-to-face financial transactions based on the server is connected, and a telebanking based customer authentication procedure is performed (800).

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 (805), the terminal requests a telebanking-based financial transaction to the server through the telebanking-based call channel (810), the server is requested telebanking from the terminal After confirming the underlying financial transaction, extracting the customer-specific customer recommendation financial product information registered through the information processing system shown in FIG. 11 to generate (or extract) a predetermined financial transaction interface for the identified financial transaction. (815).

According to an exemplary embodiment of the present invention, the customer recommendation target financial product information is preferably stored in a DBMS provided on the telebanking system. According to another embodiment, the customer recommendation target financial product information may be stored in the tele It is possible to extract from the ledger information of the DBMS provided on the financial system associated with the banking system, whereby the present invention is not limited.

According to an embodiment of the present invention, it is preferable that the server extracts the customer recommendation target financial product information of the highest priority that is not provided N (N> 1) times or more from the DBMS to the terminal.

Thereafter, the server generates (or extracts) a corresponding voice memo (eg, announcement, and / or transaction) corresponding to a predetermined financial transaction interface including the extracted customer recommendation target financial product information ( z20) and transmits the generated (or extracted) voicement (eg, announcement and / or transaction) to the terminal through the tele-banking-based communication channel (825).

According to an exemplary embodiment of the present invention, the financial transaction interface may include an information providing interface that allows the customer to check the customer recommendation target financial product information through the terminal during a predetermined telebanking-based financial transaction, and the customer may use the terminal. It is preferable to include a user interface for subscribing to the customer recommended financial products through.

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 customer recommendation target financial product information further includes predetermined non-face-to-face access information corresponding to the customer authentication information confirmed through the customer authentication procedure, the server authenticates the customer. Generating (or extracting) a voicement corresponding to a predetermined financial transaction interface corresponding to the customer recommendation financial product information that is matched with the customer authentication information identified through the procedure (eg, an announcement and / or a transaction). It is preferable.

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. .

According to the implementation method of the present invention, as described above, the financial transaction interface, the information providing interface that allows the customer to confirm the customer recommendation target financial product information through the terminal, and the customer through the terminal to the customer recommendation target finance When a user interface for subscribing to a product is included, the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, and / or subscribes to the customer recommendation financial product included in the financial transaction interface. A procedure for subscribing to the customer recommendation target financial product may be performed through a user interface for the present invention, which is described in detail with reference to FIG. 9.

When the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, the terminal includes at least one or more telebanking-based financial transaction request information for each telebanking-based financial transaction through the financial transaction interface. Input (or select) 830.

If the terminal inputs (or selects) the telebanking based financial transaction request information through the financial transaction interface (835), the terminal inputs (or selects) the telebanking based financial transaction through the financial transaction channel. The request information is transmitted to the server (840).

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 receives and reads the telebanking-based financial transaction request information through the financial transaction channel, thereby confirming the validity of the telebanking-based financial transaction request information (845).

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 (850), the server generates a voicement (eg, a guidement, and / or a transaction, etc.) containing predetermined financial transaction error information. In step 855, 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 (850), the server performs a financial transaction procedure corresponding to the telebanking-based financial transaction request information (860).

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 tele-banking-based financial transaction request information fails (eg, an error occurs during the financial transaction procedure) (865), the server includes a voice message including predetermined financial transaction error information. (Eg, an announcement and / or a transaction) is generated and transmitted to the terminal (855), and the financial transaction procedure corresponding to the telebanking-based financial transaction request information is not performed.

On the other hand, if the financial transaction corresponding to the telebanking-based financial transaction request information is successful (865), the server generates a voicement (for example, announcements and / or transaction) including the predetermined financial transaction history information By transmitting to the terminal 870, the requested financial transaction is completed.

9 is a diagram illustrating a process of inducing output and subscription of financial product information for customer recommendation according to another 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). An information providing interface for confirming the financial product information of the customer recommendation to the financial transaction interface output through the process shown in FIGS. 8A and 8B to the call terminal on the telebanking system shown in FIG. When the user interface for subscribing to the customer recommendation target financial product is included through the terminal, the call terminal registers for the customer recommendation target financial product through the user interface for subscribing to the customer recommendation target financial product. As a method of induction and treatment, it is common in the art to which the present invention pertains. A person with a non-face-to-face financial transaction system (e.g., an internet banking system, and / or a wireless banking system, and / or a TV banking system, and / or Home banking system) through the customer recommendation target financial product information output to the call terminal shown in Figure 7 can be inferred various implementation methods for inducing and processing the customer subscription to the customer recommendation financial product information However, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 9, the call terminal shown in FIG. 7 is called "terminal" for convenience, and the telebanking server is called "server" for convenience.

Referring to FIG. 9, an information providing interface for confirming financial customer information of the customer recommendation target on the financial transaction interface output to the terminal through the process illustrated in FIGS. 8a and 8b, and the customer through the terminal. When the user interface for subscribing to the customer recommendation financial product is included, the terminal checks whether the customer subscribes to the exposed customer recommendation financial product through the user interface for subscribing to the customer recommendation financial product. (900).

According to the exemplary embodiment of the present invention, when only the telebanking-based financial transaction shown in FIGS. 8A and 8B is made in the terminal, it is preferable to confirm that the customer does not subscribe to the customer recommendation target financial product. When predetermined financial product subscription information is input (or selected) through a user interface for subscribing to the customer recommendation target financial product, the terminal may confirm that the customer subscribes to the customer recommendation financial product.

If it is determined that the terminal does not subscribe to the customer recommendation target financial product (905), the terminal generates a predetermined customer recommendation target financial product unsubscribed information and transmits the information to the server (910), and the server shows the drawing. Through the process shown in 8a and 8b to generate a cumulative recommendation number (for example, the number of times extracted from the DBMS) for the customer recommendation target financial product information provided to the terminal and stores in association with the customer recommendation target financial product information. (915).

According to an embodiment of the present invention, the cumulative recommendation frequency (for example, the extraction frequency from the DBMS) for the customer recommendation target financial product information recommends the customer recommendation target financial product information of another kind (or next rank) to the customer. It is preferable that the number of counts included is included.

On the other hand, if it is determined that the terminal subscribes to the customer recommendation financial product (905), the terminal inputs (or selects) at least one financial product subscription information through a user interface for subscribing to the customer recommendation financial product. Check whether it is (920).

If at least one financial product subscription information is input (or selected) through the user interface for subscribing to the customer recommendation target financial product at the terminal (925), the terminal is at least one input (or selected). Transmits financial instrument subscription information to the server (930), and the server transmits the financial instrument subscription information to the financial instrument corresponding to the customer recommendation (e.g., a financial instrument corresponding to a financial institution, and / or a financial instrument; and And / or transfer to a predetermined financial product operation server (not shown) corresponding to a financial product corresponding to a card company and / or a financial product corresponding to an insurance company, etc.), thereby processing the customer to subscribe to the financial product targeted for the customer recommendation. (935)

Those skilled in the art to which the present invention pertains, each financial product (e.g., financial products corresponding to financial companies, and / or financial products corresponding to securities companies, and / or financial products corresponding to card companies, and And / or the financial product subscription information corresponding to the financial product corresponding to the insurance company, and the technical characteristics of each financial product operation server performing the financial product subscription process corresponding to the financial product subscription information and the financial product subscription procedure. Since it will be understood, detailed description thereof will be omitted for convenience.

FIG. 10 is a diagram illustrating a non-face-to-face financial transaction system configuration for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

More specifically, FIG. 10 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, CDMA-based mobile communication network), the customer designation is made through the information processing system shown in FIG. Outputting predetermined customer recommendation target financial product information for initial screen setting through the non-face-to-face financial transaction interface of the WAP-based wireless banking system and inducing the non-face-to-face financial transaction customer to subscribe to the customer recommendation target financial product As a method for implementing a non-face-to-face financial transaction system, a general knowledge in the technical field to which the present invention belongs If it is a pendulum, the non-face-to-face financial transaction system other than the WAP-based wireless banking system (e.g., a telebanking system and / or a wireless banking system, and / or a TV banking system, and / or with reference to FIG. Or a home banking system), it is possible to infer various implementation methods for inducing output and subscription of predetermined customer recommendation target financial product information registered through the information processing system shown in FIG. It includes all implementation methods and is not limited to the implementation method shown in FIG.

For example, in FIG. 10, the storage medium 145 shown in FIG. 1 is illustrated as being provided in the DBMS 1020 on the wireless banking system for efficient description of the technical features of the present invention. It is never 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 home banking). A WAP-based wireless banking system operating based on a WAP / ME-based wireless communication network (for example, a CDMA-based mobile communication network) includes at least one wireless terminal having a predetermined swap browser and at least one wireless terminal. It comprises a wireless banking server 1000 for providing a WAP-based wireless banking service, the wireless banking server 1000 is a financial service necessary to provide the WAP-based wireless banking service through a predetermined interface means 1055 It is associated with the financial system 1060 to process.

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 details 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, although FIG. 10 illustrates a method of implementing a WAP-based wireless banking system for processing a non-face-to-face financial transaction between the wireless terminal and a wireless banking server based on a predetermined browser program provided in the wireless terminal, the present invention Those skilled in the art may refer to and / or modify a WAP-based wireless banking-based financial transaction channel connection method using the browser program shown in FIG. WAP-based wireless banking system configuration for processing non-face-to-face financial transactions between the wireless terminal and the wireless banking server based on the program, and / or non-face-to-face finance using a predetermined financial IC chip mounted or detached from the wireless terminal. Infer the configuration of a WAP-based wireless banking system to process transactions, and / or the WAP / ME In addition to the wireless banking system based on the wireless banking system using the IEEE 802.16x-based portable Internet and / or IEEE 802.11x-based wireless LAN using MIP (Mobile IP) can be inferred, the present invention provides the WAP-based wireless banking program It includes a WAP-based wireless banking system provided as a base, 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 modify the configuration of the WAP-based wireless banking system shown in Figure 10, non-face to face according to the present invention 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 10 includes all kinds of non-face-to-face banking systems, including banking systems and / or TV banking systems and / or home banking systems and / or future non-face-to-channel banking systems, the technical configuration of the present invention being illustrated in FIG. It is by no means limited to the illustrated WAP-based wireless banking case.

Hereinafter, the WAP-based wireless banking in FIG. 10 is referred to as "wireless banking" for convenience.

The wireless terminal has a WAP / ME based wireless communication function and a personal communication including at least one swap browser for accessing the wireless banking server 1000 and receiving a browsing based wireless web service based on the wireless communication function. Terminal (Personal Communication System; PCS) and / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or personal information terminals And a wireless terminal including at least one or more of a personal digital assistant (PDA) and / or a smart phone, wherein the wireless terminal includes a WAP / ME-based Internet. The wireless banking server 1000 and a communication channel for WAP-based wireless banking are connected.

The financial system 1060 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. An accounting unit 1062 that handles a window service such as credit or receiving or trust or foreign exchange, an information system 1063 that processes the headquarters business, supports branch information, and manages customer information; 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 external system 1061 and an interface corresponding to a middleware platform that provides interfacing between components in the financial system. At least for storing and managing the eS module 1065 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. It comprises a database management system (DBMS) 1064 (Database Management System) containing one or more databases, and the intention of the skilled person and / or the type of each financial institution (eg commercial banks, savings banks, trust banks) and the purpose of the financial system And according to the features, 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), in the technical field to which the present invention belongs Those skilled in the art will clearly understand the detailed technical details of the financial system 1060, and thus the detailed description thereof will be omitted for convenience. The present invention is not limited by the.

According to the method of the present invention, the wireless banking server 1000 is interlocked with the financial system 1060 through the external system 1061, and for this purpose, the external system 1061 has a predetermined interface means 1055. It is preferable to include a component for interworking with the wireless banking server 1000 through.

The wireless banking server 1000 may store a database storing wireless operation data including at least one wireless page source and / or digital content for providing a predetermined web service to at least one wireless terminal, and / or the financial system. A database for storing wireless banking information required for providing a predetermined wireless banking service in conjunction with 1060, and / or a database for storing customer recommendation target financial product information through the information processing system shown in FIG. DBMS 1020 including the or the like, or in accordance with the method characterized in that the interworking with the data server equipped with the DBMS 1020, thereby providing a predetermined wireless banking service to at least one or more of the wireless terminal Is provided.

According to an embodiment of the present invention, the wireless banking information may be configured to authenticate a customer corresponding to the wireless terminal when at least one or more wireless terminals access and log in to the wireless banking server 1000, and / or the wireless Authenticate the financial transaction customer during at least one financial transaction through a banking server 1000, and / or authenticate the customer who subscribes to the financial product when the customer subscribes to the at least one financial product with the wireless banking server 1000. And the banking element information for processing the financial transaction corresponding to the financial transaction request by interworking with the financial system 1060 when the financial transaction request is made from the customer through the wireless terminal. Preferably, at least one or more information necessary for wireless banking is further included according to the intention of the skilled person. However, the figure 10, will be omitted for convenience.

According to the method of the present invention, the customer recommendation target financial product information registered through the information processing system shown in FIG. 1 is not the DBMS 1020 provided on the wireless banking system, but the DBMS 1064 on the financial system. ) May be provided, whereby the present invention is not limited.

Referring to FIG. 10, the wireless banking server 1000 connects and manages a wireless communication based communication channel for providing a predetermined wireless banking service to at least one wireless terminal, and the wireless A wireless page operating unit 1015 for operating a wireless page to be provided to at least one or more of the wireless terminals in cooperation with an interface unit 1005 and the DBMS 1020, and at least one in association with the wireless page operating unit 1015. The UI processing unit 1010 for generating a user interface (UI) screen for providing a predetermined wireless banking service to the wireless terminal and the wireless banking from the DBMS 1020 in conjunction with the UI processing unit 1010. Content management for extracting predetermined content for providing a service or receiving predetermined content to be stored in the DBMS 1020 from the wireless terminal. Characterized in that obtained by having a (1025), and by the functional configuration is a communication channel with a user interface for processing a wireless banking is based on the wireless communication between the wireless terminal and the wireless banking server (1000) is implemented.

In addition, the wireless banking server 1000 interoperates with the wireless page operation unit 1015 through a UI processing unit 1010 based on the customer authentication information of the wireless banking information to at least one or more wireless terminals. Or a customer authentication unit 1030 provided with at least one customer authentication information based on the interface screen.

In addition, the wireless banking server 1000 is connected to the wireless page operating unit 1015 through the UI processing unit 1010 based on the banking element information of the wireless banking information to the financial transaction-related interface screen to at least one wireless terminal Or a banking processor 1035 provided with at least one financial transaction-related information on the basis of the interface screen.

In addition, the wireless banking server 1000 includes a ledger processing unit 1040 that performs a ledger processing procedure corresponding to the financial transaction requested from the customer in cooperation with the financial system 1060 through a predetermined interface means 1055. The ledger processing unit 1040 may be connected to the external system 1061 of the financial system 1060 through the interface unit 1055.

In addition, the wireless banking server 1000, when a predetermined financial transaction interface to be provided to the wireless terminal from the UI processing unit 1010 is generated, from the DBMS 1020 through the information processing system shown in FIG. And an information extracting unit 1045 which extracts the registered predetermined customer recommendation target financial product information and provides the extracted information to the UI processing unit 1010.

For example, the information extraction unit 1045 preferably extracts first recommendation target financial product information from the DBMS 1020.

In addition, the information extraction unit 1045 stores the extraction frequency for the customer recommendation target financial product information extracted from the DBMS 1020 in a predetermined database (eg, a database storing the customer recommendation target financial product information). Preferably, the specific customer recommendation target financial product information is extracted N (N> 1) or more times and provided to the wireless terminal through the UI processing unit 1010, but the subscription process is not performed through the wireless terminal In this case, the information extractor 1045 preferably extracts the customer recommendation target financial product information of the next rank and provides the extracted information to the UI processor 1010.

For example, the first recommendation target financial product information is extracted from the DBMS 1020 more than N (N> 1) times and provided to the wireless terminal through the UI processor 1010, but the subscription processing is performed through the wireless terminal. If not, the information extractor 1045 may extract the second recommendation target financial product information from the DBMS 1020 and provide the extracted information to the UI processor 1010.

The customer authentication information stored in the DBMS 1020 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 wireless banking server 1000 through the wireless terminal. It is preferable to include the member information including the above, wherein the customer authentication unit 1030 requests the ID / PW information of the customer to the wireless terminal in conjunction with the UI processing unit 1010, the wireless 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 wireless banking server 1000 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. Is encrypted and received by 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 at the wireless terminal. Preferably, for this purpose, the customer authentication unit 1030 preferably further comprises a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 1020 is the certification authority information (for example, KFTC) and certificate server information, and / or the official certificate registration that issued a predetermined official certificate to a customer connected through the wireless terminal. Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 1030 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registrar with the authentication server of the certification authority, and receives the result of the customer authentication from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 1030 provides the communication session information and the certificate information connected to the wireless 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 wireless terminal, it is preferable to provide the result to the customer authentication unit 1030.

In addition, the customer authentication information stored in the DBMS 1020 is made of a copy of the authentication certificate of the customer accessing the wireless banking server 1000 through the wireless terminal, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 1030 is based on the certificate to the wireless 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 wireless terminal, and authenticating the customer by authenticating the certificate-based customer information through a directory of the certified certificate copy and / or a certification authority. do.

According to an exemplary embodiment of the present invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 1030 or a predetermined random number generated by the wireless 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 (1030) (for example, if the random number is generated in a wireless terminal further comprises a random number in the form of a plain text), the customer authentication unit 1030 and the copy of the authentication certificate of the customer and / Or decrypt and compare the 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 mobile station generated by the client authentication unit 1030), 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 wireless terminal (for example, the information stored in the storage device of the wireless terminal in the wireless banking server 1000, and / or the Information (or system information) previously stored in the wireless 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 wireless 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 wireless terminal uses the accredited certificate. The stored information is encrypted using 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. By providing to the increment (1030), 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 1030, mutual comparison, It is desirable to authenticate the customer.

According to another embodiment of the present invention, the certificate-based customer information is input information input through the input means provided in the wireless terminal (for example, information input through the key input device provided in the wireless 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 wireless terminal, in which case the wireless 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 a key exchange encryption method through at least one encryption method to the customer authentication unit 1030. And a cancer 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 authenticator 1030. It is desirable to authenticate the customer by decrypting the encrypted input information and comparing each other.

In addition, the customer authentication information stored in the DBMS 1020 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, In response to the customer authentication unit 1030 requesting a predetermined OTP code to the wireless terminal in conjunction with the UI processing unit 1010, receives the OTP code from the wireless terminal, 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 wireless 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 1030 preferably further includes a function configuration for decrypting the OTP code. Do.

When at least one financial transaction is requested from the wireless terminal, the banking processor 1035 provides a financial transaction request information input interface screen corresponding to the requested financial transaction to the wireless terminal in cooperation with the UI processing unit 1010. When predetermined financial transaction request information is input (or selected) from the wireless 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. Generate (or extract) financial transaction information and provide it to the ledger processing unit 1040.

For example, when the financial transaction requested from the wireless terminal is a bank transfer transaction, the banking processing unit 1035 interworks with the UI processing unit 1010 to transmit information to the wireless 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 the predetermined financial transaction information to withdraw money and deposits it into the deposit account and provides it to the ledger processing unit 1040.

According to the exemplary embodiment of the present invention, the banking processor 1035 receives the predetermined financial transaction request information from the wireless terminal, in connection with the customer authentication unit 1030, through the at least one customer authentication method. It is preferable to authenticate the customer requesting a transaction, thereby, confidentiality and authentication of the customer who requested a financial transaction through the wireless terminal (or a customer who transmits (or selects) the financial transaction request information). ), Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 1035 may secure the confidentiality, authentication, integrity, and non-repudiation of at least one financial transaction request information transmitted from the wireless 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 1035 Preferably, the financial transaction request information is received from the wireless terminal, decrypted by a public key decryption method according to the public key infrastructure, and the electronic signature is confirmed. As a result, confidentiality and authentication of the financial transaction request information is performed. , Integrity and nonrepudiation are ensured.

Alternatively, the banking processor 1035 may secure the confidentiality, authentication, integrity, and non-repudiation of the financial transaction request information transmitted from the wireless terminal for at least one financial transaction. It is preferable to encrypt and transmit the electronic envelope method, in this case, the banking processor 1035 preferably receives the financial transaction request information from the wireless terminal and decrypts the electronic envelope method, thereby requesting the financial transaction. Confidentiality, authentication, integrity and nonrepudiation of the information are secured.

The ledger processing unit 1040 is characterized in that the interface with the financial system 1060 through a predetermined interface means 1055, the predetermined financial transaction information is generated (or extracted) by the banking processing unit 1035 In this case, at least one ledger information to be extracted from the ledger on the financial system 1060 in response to the financial transaction information is identified, and the identified from the ledger on the financial system 1060 through the interface means 1055. Extracting ledger information, and / or generating (or extracting) ledger record information recorded in the ledger on the financial system 1060 in response to the financial transaction information, and through the interface means 1055 the financial system ( The generated (or extracted) ledger record information is recorded in the ledger on the screen 1060).

For example, the financial transaction requested from the wireless terminal is an account inquiry transaction for the last one month, and the banking processing unit 1035 generates financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry (or Is extracted), the ledger processing unit 1040 is linked to the account ledger (and / or the customer ledger) on the financial system 1060 through the interface means 1055 based on the financial transaction information for the account inquiry The transaction history of the last month of the transaction history of the account is extracted from the transaction history information associated with the account ledger and provided to the banking processor 1035.

FIG. 11 is a diagram illustrating a process of connecting a financial transaction channel for non-face-to-face financial transaction that induces the output and subscription of financial product information for customer recommendation according to another 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 wireless banking system shown in FIG. 10, when the wireless terminal accesses the wireless banking server through a WAP / ME based wireless communication network (for example, a CDMA based mobile communication network), the wireless banking server performs a predetermined customer authentication procedure. An embodiment of the present invention relates to a method of connecting a wireless banking-based financial transaction channel between a terminal and a wireless banking server, and a person of ordinary skill in the art to which the present invention pertains may refer to, and / or modify, the wireless terminal. Infers various implementation methods for connecting wireless banking-based financial transaction channels for non-face-to-face financial transactions between the bank and the wireless banking server Number would be, this invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 11.

That is, FIG. 11 illustrates a wireless banking base for non-face-to-face financial transactions between the wireless terminal 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. Although an implementation method of connecting a financial transaction channel is illustrated, those of ordinary skill in the art may refer to and / or refer to a wireless banking-based financial transaction channel connection method using a browser program shown in FIG. Deduce a method of connecting a wireless banking-based financial transaction channel for non-face-to-face financial transactions between the wireless terminal and the wireless banking server based on a predetermined wireless banking program mounted on the wireless terminal, and / or the IEEE 802.16x based portable using MIP (Mobile IP) in addition to WAP / ME based wireless banking system Although it may be possible to infer an implementation method for connecting a financial transaction channel using the Internet and / or IEEE 802.11x based wireless LAN, the present invention includes a provided wireless banking based financial transaction based on the wireless banking program, The present invention is not limited by this.

In addition, those skilled in the art to which the present invention pertains, refer to and / or modify the Internet banking-based financial transaction channel connection method shown in Figure 11, in addition to the Internet banking system, 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.

In the following Figure 11, the wireless terminal is referred to as a "terminal" for convenience, and the wireless banking server is referred to as a "server" for convenience.

Referring to FIG. 11, when the terminal executes a predetermined browser program and accesses the server through the wireless communication network (1100), the server connects the communication channel between the terminal and the server through the browser (1105). In this case, the communication channel means that a server generates (or extracts) a predetermined wireless page at the request of a browser program provided to the wireless terminal and transmits the predetermined wireless page to the wireless terminal, and in the browser program provided to the wireless terminal, This 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.

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

Thereafter, the server is equipped with a predetermined security module for wireless banking on the terminal in 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 (1110).

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

If a predetermined security module is to be mounted and / or updated in the terminal (1115), 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 (1120).

If the terminal does not need to install and / or update the latest version of the wireless banking security module (1125), or if the terminal does not need to mount and / or update the wireless banking security module (1115), the server may By activating the security module for the wireless banking mounted on the terminal, to connect a wireless banking security channel (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1130), 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 is provided with a predetermined wireless banking program, the wireless banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the wireless 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 from the terminal to the server for non-face-to-face financial transactions. Attach a predetermined digital signature to information (or data) to be performed and / or at least one password If the transmission is encrypted by a 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 (1135).

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) and transmit the data to the authentication server, wherein 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 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, 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 (1140), 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. (1145).

If the wireless banking customer authentication fails (1150), the server blocks the wireless banking security channel for the terminal (1155), 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 (1150), 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 (1160), 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).

12 is a diagram illustrating a non-face-to-face financial transaction method for inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

More particularly, FIG. 12 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. 10, the wireless terminal accesses the wireless banking server through a process shown in FIG. 11 to perform a predetermined customer authentication procedure, and thereafter, between the wireless terminal and the wireless banking server. When a wireless banking-based financial transaction channel is connected to the mobile terminal, the wireless terminal requests a non-face-to-face financial transaction through the wireless banking-based financial transaction channel, and the wireless banking server processes the requested financial transaction. And, in the non-face-to-face financial transaction process that provides the result to the wireless terminal through the wireless banking-based financial transaction channel An embodiment of the present invention relates to a method of inducing output and subscription through a non-face-to-face financial transaction interface for a predetermined customer recommendation target financial product registered through the information processing system shown in FIG. Those skilled in the art may refer to and / or modify this drawing 12 to face-to-face financial products targeted for customer recommendation among various non-face-to-face financial transactions using a wireless banking-based financial transaction channel between the wireless terminal and the wireless banking server. The method of inducing output and subscription through the financial transaction interface 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. 12 illustrates a financial transaction requested from the wireless terminal 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. Although an implementation method of processing is illustrated, those skilled in the art may refer to and / or modify a wireless banking based financial transaction method using the browser program shown in FIG. 12 to the wireless terminal. Although it is possible to infer various types of wireless banking-based financial transaction methods between the wireless terminal and the wireless banking server based on a predetermined wireless banking program, the present invention provides wireless based on the wireless banking program. Banking-based financial transactions, whereby the present invention It shall be defined.

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. 12, in addition to the wireless banking system, a telebanking system and / or wireless banking. 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.

In the following Figure 12, the wireless terminal is referred to as "terminal" for convenience, and the wireless banking server is referred to as "server" for convenience.

Referring to FIG. 12, when the wireless banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 11, the terminal transmits the wireless banking-based financial transaction channel to the non-face-to-face financial transaction. If the server requests a wireless banking-based financial transaction (1200), the server checks the wireless banking-based financial transaction requested 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 customer recommendation target financial product information registered through the information processing system shown in FIG. 1 (1205).

According to one embodiment of the invention, the customer recommendation target financial product information is preferably stored in a DBMS provided on the wireless banking system, according to another embodiment, the customer recommendation target financial product information is the wireless It is possible to extract from the ledger information of the DBMS provided on the financial system associated with the banking system, whereby the present invention is not limited.

According to an embodiment of the present invention, it is preferable that the server extracts the customer recommendation target financial product information of the highest priority that is not provided N (N> 1) times or more from the DBMS to the terminal.

Thereafter, the server generates (or extracts) a wireless page corresponding to a predetermined financial transaction interface including the extracted customer recommendation target financial product information (1210), and generates the wireless page through the wireless banking-based financial transaction channel ( Alternatively, the extracted wireless page is transmitted to the terminal and output (1215).

According to an embodiment of the present invention, the financial transaction interface is an information providing interface that allows the customer to check the customer recommendation financial product information through the terminal during a predetermined wireless banking-based financial transaction, and the customer the terminal It is preferable to include a user interface for subscribing to the customer recommended financial products through.

In addition, the financial transaction interface may be provided with a predetermined password (e.g., a predetermined password for verifying validity of predetermined financial transaction request information for processing a predetermined wireless banking-based financial transaction, and / or 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 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 embodiment of the present invention, when the customer recommendation target financial product 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. The server preferably generates (or extracts) a wireless page corresponding to a predetermined financial transaction interface corresponding to the customer recommendation target financial product information matching the customer authentication information identified 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.

According to the implementation method of the present invention, as described above, the financial transaction interface, the information providing interface that allows the customer to confirm the customer recommendation target financial product information through the terminal, and the customer through the terminal to the customer recommendation target finance When a user interface for subscribing to a product is included, the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, and / or subscribes to the customer recommendation financial product included in the financial transaction interface. A procedure for subscribing to the customer recommendation target financial product may be performed through a user interface for the present invention, which is described in detail with reference to FIG. 13.

When the customer performs an internet banking-based financial transaction procedure corresponding to the financial transaction interface, the terminal inputs financial transaction request information including at least one for each wireless banking-based financial transaction through the financial transaction interface. Or select 1220.

If the terminal receives (or selects) the financial transaction request information through the financial transaction interface (1225), the terminal transmits the input (or selected) financial transaction request information to the server through the financial transaction channel. Send (1230).

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 receives and reads the financial transaction request information through the financial transaction channel, thereby confirming the validity of the financial transaction request information (1235).

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 verification of the validity of the financial transaction request information, preferably further comprises the authentication of the 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 (1240), the server generates a wireless page including predetermined financial transaction error information and transmits it to the terminal (1245), 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 (1240), the server performs a financial transaction procedure corresponding to the financial transaction request information (1250).

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) (1255), the server generates a wireless page including predetermined financial transaction error information. In step 1245, the terminal does not perform a financial transaction procedure corresponding to the financial transaction request information.

On the other hand, if the financial transaction corresponding to the financial transaction request information is successful (1255), the server generates a wireless page including the predetermined financial transaction history information and transmits it to the terminal (1260), the financial transaction requested from the terminal To complete.

FIG. 13 is a diagram illustrating a process of inducing output and subscription of financial product information for customer recommendation according to another exemplary embodiment of the present invention.

More specifically, FIG. 13 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). Among them, an information providing interface for confirming the financial product information targeted for the customer recommendation on the financial transaction interface outputted through the process shown in FIG. 12, the wireless terminal on the wireless banking system shown in FIG. If a user interface for subscribing to the customer recommendation target financial product is included, the wireless terminal induces and processes the subscription for the customer recommendation target financial product through the user interface for subscribing to the customer recommendation financial product. As an implementation method to be carried out, the general knowledge in the technical field 13, non-face-to-face financial transaction systems other than the wireless banking system (e.g., an internet banking system, and / or a telebanking system, and / or a TV banking system, and / or home banking) may be described with reference to FIG. It is possible to infer various implementation methods for inducing and processing the customer's subscription to the customer recommendation target financial product information through the customer recommendation target financial product information outputted to the wireless terminal shown in FIG. The invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the wireless terminal shown in FIG. 10 is referred to as a "terminal" for convenience, and the wireless banking server is referred to as a "server" for convenience.

Referring to FIG. 13, an information providing interface for confirming the financial product information targeted for the customer recommendation on the financial transaction interface output to the terminal through the process illustrated in FIG. 12, and the customer recommending the customer through the terminal. When the user interface for subscribing to the target financial product is included, the terminal checks whether the customer subscribes to the exposed target financial product through the user interface for subscribing to the target financial product (1300). ).

According to an embodiment of the present invention, when only the wireless banking-based financial transaction shown in FIG. 12 is made in the terminal, it is preferable to confirm that the customer does not subscribe to the customer recommendation target financial product. When predetermined financial product subscription information is input (or selected) through a user interface for subscribing to a financial product targeted for customer recommendation, it is preferable to confirm that the customer subscribes to the financial product targeted for customer recommendation.

If it is determined that the terminal does not subscribe to the customer recommendation target financial product (1305), the terminal generates a predetermined customer recommendation target financial product unsubscribed information and transmits the information to the server (1310), and the server shows the drawing. The cumulative recommendation number (eg, the number of extractions from the DBMS) of the customer recommendation target financial product information provided to the terminal is generated through the process illustrated in FIG. 12 and stored in association with the customer recommendation target financial product information (1315). .

According to an embodiment of the present invention, the cumulative recommendation frequency (for example, the extraction frequency from the DBMS) for the customer recommendation target financial product information recommends the customer recommendation target financial product information of another kind (or next rank) to the customer. It is preferable that the number of counts included is included.

On the other hand, if it is determined that the terminal subscribes to the customer recommendation financial product (1305), the terminal inputs (or selects) at least one financial product subscription information through a user interface for subscribing to the customer recommendation financial product. Check whether it is (1320).

If at least one financial product subscription information is input (or selected) through the user interface for subscribing to the customer recommendation financial product at the terminal (1325), the terminal is input (or selected) at least one financial product. Transmits product subscription information to the server (1330), and the server transmits the financial product subscription information to the customer recommended financial product (eg, a financial product corresponding to a financial company, and / or a financial product corresponding to a securities company); and / Or by transferring to a predetermined financial product operation server (not shown) corresponding to a financial product corresponding to a card company and / or a financial product corresponding to an insurance company, etc.). (1335).

Those skilled in the art to which the present invention pertains, each financial product (e.g., financial products corresponding to financial companies, and / or financial products corresponding to securities companies, and / or financial products corresponding to card companies, and And / or the financial product subscription information corresponding to the financial product corresponding to the insurance company, and the technical characteristics of each financial product operation server performing the financial product subscription process corresponding to the financial product subscription information and the financial product subscription procedure. Since it will be understood, detailed description thereof will be omitted for convenience.

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 by recommending at least one financial product that generates more revenue to the customer as well as gives more profit to the financial institution during non-face-to-face financial transactions using a home banking system, etc.). There is an advantage for institutions to generate mutual benefits.

Claims (5)

Initial screen setting means for setting the financial product information is output on the initial screen output after customer authentication when the non-facing channel connection; Customer information analyzing means for analyzing the customer information and selecting a financial product suitable for the customer among the financial products; And And information processing means for providing the selected financial product information to an initial screen output after customer authentication when the non-facing channel is connected to the customer. The method of claim 1, wherein the initial screen setting means, The financial product information providing system, characterized in that the financial product information is set to be output on the non-facing channel initial screen according to the customer agreement or selection. The non-facing channel of claim 1, wherein Financial product information providing system 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 the financial product information to be output on an initial screen output after customer authentication during non-face-to-face connection; Analyzing the information of the customer and selecting a financial product suitable for the customer among financial products; And And providing the selected financial product information to an initial screen output after customer authentication when the non-face-to-face channel connection of the customer is made.

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