KR20080036366A - System and method for processing money changing by using messenger and program recording medium - Google Patents

Abstract

A system and a method for processing money changing by using a messenger service, and a program recording medium are provided to offer the money changing service through a messenger banking system of non face to face way by combining the messenger service membership authentication with the non face to face financial transaction authentication. A system for processing money changing comprises a messenger terminal device(1200) including a messenger program(1205), a messenger server(1215), a messenger banking server(1240) and a utility charge management server(1255). The messenger server offers at least one messenger service to a client of the messenger by connecting with the messenger program. The messenger banking server offers messenger based money changing service of non-facing way to the client of the messenger by using messenger banking information registered in a specified storing medium(1280) through a messenger information registration system. A financial system performs at least one messenger based non-facing financial transaction which is processed at the messenger banking server.

Description

System and method for processing money changing by using messenger and program recording medium}

1 is a diagram illustrating a face-to-face messenger banking information registration system for currency exchange processing using messenger banking according to an embodiment of the present invention.

2 is a diagram showing the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the exchange process using messenger banking in accordance with an embodiment of the present invention.

FIG. 3 is a diagram illustrating a configuration of messenger banking information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

FIG. 4 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

5 is a diagram illustrating a process of registering messenger banking information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face messenger banking information registration system for currency exchange processing using messenger banking according to another exemplary embodiment of the present invention.

7 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for exchange processing using messenger banking according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a non-face to face exchange process using messenger banking according to another embodiment of the present invention. .

FIG. 9 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a non-face-to-face manner for currency exchange processing using messenger banking according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating a process of registering messenger banking information in a non-face-to-face manner for currency exchange processing using messenger banking according to an exemplary embodiment of the present invention.

11A and 11B illustrate a process of registering messenger banking information in a non-face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a messenger banking system configuration for currency exchange processing using messenger banking according to an embodiment of the present invention.

13 is a diagram illustrating a messenger member authentication process for currency exchange processing using messenger banking according to an embodiment of the present invention.

14 is a diagram illustrating a messenger member authentication process for currency exchange processing using messenger banking according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a non-face-to-face financial transaction authentication process for currency exchange processing using messenger banking according to an embodiment of the present invention.

16 is a diagram illustrating a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

17A, 17B, and 17C are diagrams illustrating a currency exchange process using messenger banking according to an embodiment of the present invention.

18 is a diagram illustrating a messenger banking system configuration for group exchange processing using messenger banking according to an embodiment of the present invention.

19 is a diagram illustrating a messenger member authentication process for group exchange processing using messenger banking according to an embodiment of the present invention.

20 is a diagram illustrating a messenger member authentication process for group exchange processing using messenger banking according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a non-face-to-face financial transaction authentication process for group exchange processing using messenger banking according to an embodiment of the present invention.

22 is a diagram illustrating a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

23 is a diagram illustrating an information registration process for group exchange processing using messenger banking according to an embodiment of the present invention.

24A, 24B, and 24C illustrate a group exchange processing process using messenger banking according to an embodiment of the present invention.

<Description of main parts of drawing>

1200: messenger terminal 1205: messenger program

1210: Messenger Banking Module 1215: Messenger Server

1220: messenger banking operation unit 1225: messenger member authentication unit

1230: Member D / B 1235: Messenger Operator

1240: messenger banking server 1245: currency exchange processing unit

1250: interface unit 1255: information transmission unit

1260: information receiving unit 1265: customer authentication unit

1270: banking processing unit 1275: ledger processing unit

1280: storage medium

The present invention relates to a currency exchange processing system using a messenger comprising means for receiving predetermined currency exchange request information from a customer messenger execution terminal and means for performing the currency exchange process using an account associated with the customer messenger account. .

Due to the development of information and communication technology, various forms of non-face-to-face financial transaction channels are commercialized, and non-face-to-face financial transaction channels using instant messenger, one of the most personalized information and communication technologies, are expected to be commercialized.

However, since the conventional non-face-to-face financial transaction channel operates based on a general-purpose program (eg, Microsoft's Internet Explorer) and a client / server system that is easily scalable to the financial system, the non-face-to-face financial transaction channel can be easily used. On the other hand, the instant messenger is difficult to apply to a non-face-to-face financial transaction channel due to the development of instant messenger programs of different specifications by different developers, and the operation method of the instant messenger is not a client / server based P2P. Because it is based on Peer-To-Peer, it contains difficult problems to apply to financial systems that require high security.

An object of the present invention for solving the above problems, the messenger comprises a means for receiving a predetermined exchange processing request information from the customer messenger execution terminal and means for performing the exchange processing using the account associated with the customer messenger account; The present invention provides a currency exchange processing system and a method thereof.

The currency exchange processing method using a messenger according to the present invention comprises a process of storing a messenger banking customer's messenger account information, at least one non-face-to-face financial transaction authentication information and messenger linked account information in a predetermined storage medium in a predetermined financial company server. And a currency exchange process including at least one non-face-to-face financial transaction authentication information of the client account information, the account password, the exchange password amount information, the currency exchange money information, the messenger account information, and the messenger account information in the predetermined messenger terminal; Generating the request information to a predetermined financial institution server and validating the messenger banking customer through the messenger account information included in the exchange request information in connection with the storage medium (or storage medium operating means) in the financial institution server; The certificate is included in the exchange request information The method may include: authenticating validity of a utility bill payment using the messenger banking through one or more non-face-to-face financial transaction authentication information, and when the messenger banking customer validity and currency exchange validity are authenticated, the financial institution server includes the exchange rate request information in the financial company server. Check the exchange rate of the currency exchange money information at the time of receiving the currency exchange request information based on the exchange money request amount information and currency exchange money information, and exchange the currency exchange information corresponding to the currency exchange money information from the currency exchange money amount information through the exchange rate; Calculating a processing amount information, and setting a lock on the exchange request amount in the customer account at the financial institution server, and cooperatively processing the currency exchange information and exchange processing amount information and storing the information on a predetermined storage medium. Characterized in that made.

According to the present invention, the method of processing a currency exchange using the messenger, wherein the messenger banking customer at the financial company server exchanges the money at a predetermined bank window and / or a financial automated device and / or an airport window and / or an exchange office and / or a travel agency. Generating money exchange information including a unique code (or a unique number) for presenting (or entering) a processing amount into the money exchange money; and including the money exchange processing result and the money exchange information at the financial company server; And generating exchange exchange response information and transmitting the same to the messenger terminal.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-mentioned exchange processing method using a messenger.

On the other hand, the currency exchange processing system using a messenger according to the present invention includes a means for receiving predetermined currency exchange request information from a customer messenger execution terminal and means for performing the currency exchange process using an account associated with the customer messenger account; Characterized in that made.

According to the present invention, the currency exchange processing system using the messenger, presenting (or input) for the withdrawal of the money exchange processing amount at the bank window and / or the automated teller machine and / or the airport window and / or exchange office and / or travel agency And means for transmitting the exchange processing response information including the unique code (or the unique number) to the messenger terminal.

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 easy to understand the functions 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 a face-to-face messenger banking information registration system for currency exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, Figure 1 is a predetermined customer through a predetermined information registration interface to the banking messenger banking information registration system for the banking messenger information and messenger account information and messenger linked account information for the exchange process using the messenger banking according to the present invention and If the messenger banking information including at least one customer information is provided, the messenger banking information registration system links the messenger information for banking, the messenger account information, the messenger association account information, and the customer information included in the provided messenger banking information. As a system configuration for processing and storing in a predetermined storage medium 130, those of ordinary skill in the art to which the present invention pertains, with reference to and / or modifying the present Figure 1 to perform a currency exchange process using messenger banking Various implementation methods for the configuration of messenger banking information registration system for It may be inferred from the law, but the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer on the storage medium 130 through a predetermined information registration interface on the messenger banking information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a messenger banking information registration system for currency exchange processing using messenger banking according to the present invention includes a window terminal 145 provided at at least one financial institution branch. Characterized in that it comprises an information registration terminal 140, the information registration terminal 140 is connected to the communication channel and the information registration server 100 provided on the messenger banking information registration system through a predetermined financial network do.

According to one embodiment of the present invention, the customer visits the financial institution branch for currency exchange processing using messenger banking according to the present invention, and messengers through a window (or through a teller) provided at the financial institution branch. When a prescribed application for currency exchange processing using banking (for example, a document having a form for filling in at least one information item for currency exchange processing using messenger banking) is prepared, and the completed application is submitted to the clerk, The teller employee inputs (or selects) the information written in the application through a predetermined teller terminal 145, and the teller terminal 145 sends the messenger the inputted (or selected) information through the financial network. It is preferable to transmit to the information registration server 100 provided on the banking information registration system.

Here, the teller terminal 145 preferably comprises a manager terminal used by the teller staff provided at the branch of the financial institution, the information registration server 100 connected to the teller terminal 145 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the window terminal 145 and the information registration server 100 is the communication between the window terminal 145 and the information registration server 100 It is preferable to include a network for connecting the channels.

In the messenger banking information registration system as described above, an application created by the customer, a window terminal 145 used by the teller staff, and a financial network connecting the window terminal 145 and the information registration server 100 The customer performs a function of an information registration interface for registering messenger banking information for currency exchange processing using messenger banking according to the present invention.

The storage medium 130 provided on the messenger banking information registration system according to the present invention includes the messenger banking information, messenger account information, and messenger association account included in the messenger banking information provided from the information registration terminal 140. And storing the information and the customer information in a predetermined storage medium 130 and storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 130. The messenger banking information including one or more is used for currency exchange processing using messenger banking according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one or more information that can be confirmed that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention, and the messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another embodiment of the invention, the storage medium 130 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 100 provided on the messenger banking information registration system according to the present invention is a generic term for the components of the messenger banking information registration system side connected to the information registration terminal 140 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the information registration server 100 is the window terminal 145 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

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

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface unit 105 is based on the protocol stack defined in the financial network. It connects a window terminal 145 and a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 145. It is desirable to.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 140 accesses the information registration server 100 through the interface unit 105. Interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 140 to the information registration terminal 140. And an information acceptor 115 for receiving predetermined messenger banking information transmitted from the information registration terminal 140 through the user interface and transmitted (or selected). Validation unit 125 for checking the validity of the received messenger banking information, the messenger banking information and messenger account information and messenger for the banking information included in the verified messenger banking information And an information storage unit 120 for linking the linked account information and the customer information and storing the linked account information in the predetermined storage medium 130.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 140 when a predetermined information registration terminal 140 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the messenger banking information to generate a predetermined user interface that can be transmitted to the information registration server 100 through the financial network, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 105 to the information registration terminal 140 through the financial network.

Thereafter, the information registration terminal 140 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 100 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 140 is a window terminal 145 connected to a predetermined financial network, the interface providing unit 110 is a financial transaction provided in the window terminal 145. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 145 through the interface unit 105.

The information receiving unit 115 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information through the user interface at the information registration terminal 140. In the case of transmitting through the financial network, the messenger banking information is received in association with the interface unit 105, and the received messenger banking information is provided to the validity checking unit 125.

The validity confirming unit 125 checks whether the messenger banking information received from the information registration terminal 140 satisfies the validity for exchange processing using messenger banking.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information is registered in the ledger D / B on the financial system associated with the messenger banking information registration system. It is preferable to include checking.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not affiliated with a currency exchange processing service using a messenger banking according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable to include whether or not provided with a function for providing a currency exchange processing service using the messenger banking according to.

In addition, to check the validity of the messenger banking information, the messenger bank 135 according to the present invention is referred to by the messenger server 135 according to the present invention with reference to the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check based on the system to determine whether the messenger server 135 associated with the messenger banking system to provide a currency exchange service using the messenger banking according to the present invention.

In addition, the validity check of the messenger banking information may be performed by the messenger account through the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 135.

For example, the validity checker 125 provides messenger account information included in the messenger banking information to the messenger server 135 corresponding to the messenger information for banking included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 135.

In addition, the validity check of the messenger banking information is compared with the account ledger provided in the ledger D / B on the financial system that provides a currency exchange service using the messenger banking and the messenger linked account information included in the messenger banking information. By doing so, it is preferable that the messenger linked account information includes checking whether the messenger linked account information is available for providing a currency exchange processing service using the messenger banking.

In addition, the validity check of the messenger banking information, the customer personal information corresponding to the customer information included in the messenger banking information (for example, customer name, social security number, address, contact information, etc.) and currency exchange processing service using the messenger banking Comparing the customer ledger provided in the ledger D / B on the financial system to provide, it is preferable to include whether the customer corresponding to the customer information is a valid customer that can provide a currency exchange service using the messenger banking Do.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides currency exchange processing service using the messenger banking, Preferably, the authentication information includes checking whether the authentication information is valid non-face-to-face financial transaction authentication information capable of providing a currency exchange service using the messenger banking.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information is used for providing confidentiality, authentication, integrity, and nonrepudiation for providing currency exchange services using the messenger banking. It is preferable to include making sure that the function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

When the validity of the messenger banking information is confirmed, the information storage unit 120 associates banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information to the storage medium ( 130, and when the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit ( 120 preferably processes the banking messenger information, the messenger account information, the messenger account information and the customer information included in the received messenger banking information in association with the banking messenger banking information, and stores the messenger banking information in the storage medium 130. ) Is provided in the DBMS provided on the financial system, the information storage unit 120 is the messenger information and the messenger for banking included in the received messenger banking information Providing the account information associated with the IM account information and customer information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

2 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for currency exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 2 illustrates that when the storage medium 130 shown in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the messenger information for banking is included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method in which messenger banking information including messenger account information, messenger linked account information, and customer information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 2, various information construction methods for storing the messenger banking information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

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

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, store number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, brief, CIF, etc. This includes transaction details.

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

Referring to FIG. 2, the messenger banking information provided through the messenger banking information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for the exchange processing service using the messenger banking, the MSN messenger of the Microsoft company, and the exchange processing service using the messenger banking. In order to verify that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135 is formed, including at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention, and the messenger linked account information is used for currency exchange processing using the messenger banking. Characterized in that it comprises an account number that provides a service, the messenger linked account information according to the embodiment of the present invention further comprises the account number and account password and the bank code and / or branch code opened the account, etc. It is possible to include, and the present invention is not limited thereby.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

Referring to FIG. 2 according to the embodiment of the present invention, the messenger banking information stored in the form of additional information added to the account ledger includes messenger operator information corresponding to the banking messenger information, messenger program information, and a messenger server. (135) information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for linking and processing the messenger banking information with the account ledger, which is the messenger banking. Since the messenger linked account information included in the information is included in the account ledger provided in the ledger D / B, and the customer information is included in the customer ledger provided in the ledger D / B. to be.

According to another exemplary embodiment of the present invention, the messenger banking information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

Figure 3 illustrates the configuration of messenger banking information stored in a database associated with the ledger D / B 300 provided in the DBMS on the financial system in a face-to-face manner for exchange processing using messenger banking according to another embodiment of the present invention Drawing.

In more detail, FIG. 3 shows an information structure of an embodiment in which the storage medium 305 shown in FIG. 1 is stored in a predetermined database linked to the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 3 to link the messenger banking information to the ledger D / B 300 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 3 illustrates a case in which it is not easy to store the messenger banking information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). It is not easy to change / B (300), or the system expansion is not easy due to the nature of the financial system), the messenger banking information is stored in a predetermined database instead of the ledger D / B (300), and The implementation method of storing a database and the ledger D / B 300 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 3 does not have to be provided on a DBMS provided on the financial system as in the embodiment shown in FIG. 3, and the database on the messenger banking system, and / or according to the intention of the skilled person. It may be configured in the form of a database on an Internet banking system, and / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 3, the database stores and stores banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information, and the messenger banking information is stored in the ledger. It is preferable that the IM banking information further includes a CIF number corresponding to the ledger information in order to be processed in association with the D / B 300.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one or more information that can be confirmed that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information may be exchanged by using the messenger banking service. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

Referring to FIG. 3 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 300 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 135 information, messenger ID information and messenger password corresponding to the messenger account information, and processing the messenger banking information in association with the account ledger. It comprises an account number for, which is the messenger linked account information included in the messenger banking information is included in the account ledger provided in the ledger D / B (300), the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B (300).

4 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

More specifically, Figure 4 shows that the storage medium 305 shown in Figure 1 is a messenger banking system, and / or an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server. If one of ordinary skill in the art to which the present invention pertains is referred to, and / or modified by reference to FIG. The method of constructing information on the messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred, but the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 4, a predetermined DBMS provided in the banking server stores and stores banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one or more information that can be confirmed that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is transferred to a non-face-to-face banking system subscribed to by the customer. Preferably, the corresponding non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

5 is a diagram illustrating a process of registering messenger banking information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates a function of a ledger server (not shown) on the financial system in which the information registration server 100 on the messenger banking information registration system shown in FIG. 4 is linked to the counter terminal 145 through a predetermined financial network. In this case, the window terminal 145 accesses the information registration server 100 and connects a communication channel for registering messenger banking information according to the present invention, and then the information registration server through the communication channel. When the messenger banking information including the messenger information for the banking, the messenger account information, the messenger linked account information, and the customer information is transmitted to the bank 100, the banking information included in the received messenger banking information is received by the information registration server 100. The present invention relates to an implementation method of linking and processing messenger information, messenger account information, messenger linked account information, and customer information in a predetermined storage medium 305. For those of ordinary skill in the art to which the present invention pertains, various methods of registering the messenger banking information from the window terminal 145 to the information registration server 100 by referring to and / or modifying the drawing 5 may be made. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the window terminal 145 shown in FIG. 4 is called "terminal" for convenience, and the information registration server 100 shown in FIG. 4 is called "server" for convenience, and the window terminal The banking messenger information, the messenger account information, the messenger association account information, and the customer information transmitted from the 145 to the information registration server 100 are referred to as "messenger banking information" for convenience.

Referring to FIG. 5, the window terminal 145 shown in FIG. 4 accesses the server through a predetermined financial network, connects a predetermined communication channel for registering the messenger banking information, and uses the messenger banking. When requesting to register the messenger banking information for currency exchange processing (500), the server generates (or extracts) a predetermined information registration interface for registering the messenger banking information (505), and generates the data through the communication channel. In operation 510, the extracted information registration interface is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) messenger banking information including at least one of the banking messenger information, messenger account information, messenger linked account information, and customer information at the terminal. It is preferred to include an interface.

Thereafter, the terminal inputs (or selects) messenger banking information including at least one banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (515).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 135 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one or more information that can be confirmed that the messenger server 135 associated with a predetermined financial system is the MSN messenger server 135.

The messenger account information corresponds to a messenger server corresponding to the messenger server 135 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in step 135), wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

If the terminal receives (or selects) messenger banking information including the banking messenger information, messenger account information, messenger linkage account information, and customer information through the information registration interface (520), the terminal is connected to the financial network. In step 525, the banking messenger banking information including the banking messenger information, the messenger account information, the messenger account information, and the customer information is input to the server.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the financial network to check the validity of the messenger banking information (530).

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 300 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not affiliated with a currency exchange processing service using a messenger banking according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable to include whether or not provided with a function for providing a currency exchange processing service using the messenger banking according to.

In addition, to check the validity of the messenger banking information, the messenger bank 135 according to the present invention is referred to by the messenger server 135 according to the present invention with reference to the messenger server 135 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check based on the system to determine whether the messenger server 135 associated with the messenger banking system to provide a currency exchange service using the messenger banking according to the present invention.

In addition, the validity of the messenger banking information, the messenger account through the messenger account 135 included in the messenger server 135 information and the messenger banking information corresponding to the banking messenger information included in the messenger banking information It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 135.

For example, the validity checker 125 provides messenger account information included in the messenger banking information to the messenger server 135 corresponding to the messenger information for banking included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 135.

In addition, the verification of the validity of the messenger banking information, the account provided in the ledger D / B (300) on the financial system that provides a currency exchange service using the messenger banking information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable that the messenger-linked account information includes checking whether the messenger-linked account information is valid messenger-linked account information capable of providing a currency exchange service using the messenger banking.

In addition, the validity check of the messenger banking information, the customer personal information corresponding to the customer information included in the messenger banking information (for example, customer name, social security number, address, contact information, etc.) and currency exchange processing service using the messenger banking Comparing the customer ledger provided in the ledger D / B (300) on the financial system to provide, and confirming that the customer corresponding to the customer information is a valid customer that can provide a currency exchange service using the messenger banking; It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B 300 on the financial system that provides currency exchange processing service using the messenger banking, Preferably, the face-to-face financial transaction authentication information includes checking whether the face-to-face financial transaction authentication information is valid non-face-to-face financial transaction authentication information capable of providing a currency exchange service using the messenger banking.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information is used for providing confidentiality, authentication, integrity, and nonrepudiation for providing currency exchange services using the messenger banking. It is preferable to include making sure that the function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform an information registration procedure corresponding to the messenger banking information. Do not.

On the other hand, if the validity of the messenger banking information is authenticated (535), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. In operation 545, the data is stored in a predetermined storage medium 305.

According to one embodiment of the invention, the storage medium 305 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 305 may be a ledger D / B (300) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (300), thereby the present invention This is not limited.

According to another embodiment of the present invention, the storage medium 305 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

FIG. 6 is a diagram illustrating a non-faceted messenger banking information registration system for currency exchange processing using messenger banking according to another exemplary embodiment of the present invention.

In more detail, Figure 6 is a messenger banking information registration system for a predetermined customer through a predetermined information registration interface for the banking messenger information, messenger account information and messenger linked account information for the exchange processing using the messenger banking according to the present invention and When the messenger banking information including at least one customer information is provided, the messenger banking information registration system links and processes the banking messenger information, the messenger account information, the messenger account information, and the customer information included in the messenger banking information. As a system configuration for storing in a predetermined storage medium 630, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the present Figure 6 for the currency exchange processing using messenger banking Various implementation methods for messenger banking information registration system Would have to be inferred, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer in the storage medium 630 through a predetermined information registration interface on the messenger banking information registration system shown in FIG. 6. The component corresponding to the term " information registration server 600 "

Referring to FIG. 6 according to an embodiment of the present invention, a messenger banking information registration system for currency exchange processing using messenger banking according to the present invention includes a client including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 640 including at least one terminal or the like, wherein the information registration terminal 640 is provided on the messenger banking information registration system through a predetermined network means. 600 and a communication channel are connected.

According to an exemplary embodiment of the present invention, the customer accesses the information registration server 600 through at least one client terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network, Inputting (or selecting) messenger banking information for currency exchange processing using messenger banking according to the present invention through at least one user interface provided by the information registration server 600, the client terminal via a predetermined network means It is preferable to transmit to the information registration server 600 provided on the messenger banking information registration system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a TCP / IP based communication network, and a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP based communication network, or a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

The wireless terminal connected to the wireless network may include all terminal devices connected to a CDMA based mobile communication network, and / or all terminal devices connected to an IEEE 802.16x based mobile Internet, and / or Motorola's DataTAC scheme. And / or a generic term for all terminal devices connected to Erricson's Mobitex-type wireless data communication network, comprising: a Personal Communication System (PCS) and / or a Global System for Mobile communications (GSM) terminal connected to the CDMA-based mobile communication network; And / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics Telematics), or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the information registration server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 600 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 600, and inputs and / or selects at least one or more information through the user interface to the information registration server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 600, etc.) is provided.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the client terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof is omitted for convenience. do.

In the messenger banking information registration system as described above, a client terminal including at least one wired terminal and / or a wireless terminal used by the customer, and at least one wireline connecting the client terminal and the information registration server 600. The network and / or the wireless network performs a function of an information registration interface for the customer to register the messenger banking information for the exchange process using the messenger banking according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 640 is an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the messenger banking information registration system as described above, when the information registration terminal 640 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information. The financial network connecting the registration server 600 performs a function of an information registration interface for registering the messenger banking information for the customer's exchange processing using messenger banking according to the present invention, and / or the information registration terminal ( If 640 is the call terminal (not shown), the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 600 may be used by the customer. Performs a function of an information registration interface for registering messenger banking information for currency exchange processing using messenger banking according to the present invention, and / or the information registration terminal In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is 640, the terminal (and / or server) (not shown) and the terminal (and / or server) ( The network connecting the information registration server 600 performs a function of an information registration interface for registering the messenger banking information by the customer for exchange processing using messenger banking according to the present invention.

The storage medium 630 provided on the messenger banking information registration system according to the present invention includes the messenger banking information, the messenger account information, and the messenger association account included in the messenger banking information provided from the information registration terminal 640. And storing the information and the customer information in a predetermined storage medium 630, and storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 630. The messenger banking information including one or more is used for currency exchange processing using messenger banking according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (for example, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange service using messenger banking according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is desirable to include the non-face-to-face financial transaction authentication information.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

According to an embodiment of the present invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). At this time, the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the invention, the storage medium 630 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 600 provided on the messenger banking information registration system according to the present invention is a generic term for the components of the messenger banking information registration system side connected to the information registration terminal 640 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 600 Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided in the Internet banking server, and / or a predetermined server accessible to the external system of the financial system through the Internet banking system. (Or a device), a program provided in the server (or device), and / or a server provided in the external system on the financial system accessible through the Internet banking server (and / or the server (or device)). (Or a device), and / or a program provided to the external world on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 600 is the wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 600 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. No.

According to another embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server 600 is A predetermined server (or a TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server (or accessible to the external system of the financial system through the TV banking system) Device), a program provided in the server (or device), and / or a server (or in a foreign system on the financial system accessible through the TV banking server (and / or the server (or device)). Device) and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to the method of the present invention, the information registration server 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 640 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 605 At least one or more pieces of information (or connections) are made by connecting a predetermined communication channel with the client terminal based on a protocol stack defined in the wired network and / or wireless network, and using a communication protocol defined in a communication program included in the client terminal It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 600, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface unit 605 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 605 may include a protocol stack defined in the wireless network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 600, the interface unit 605 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 may connect the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the information registration server 600 interworks with the interface unit 605 when a predetermined information registration terminal 640 accesses the information registration server 600 through the interface unit 605. Interface providing unit 610 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 640 to the information registration terminal 640. ), An information receiving unit 615 that receives predetermined messenger banking information transmitted from the information registration terminal 640 through the user interface and transmitted in connection with the interface unit 605; Storing information stored in a predetermined storage medium 630 by processing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information included in the messenger banking information linked together; It is characterized by comprising a portion 620.

The interface providing unit 610 corresponds to a functional configuration provided in the information registration terminal 640 when a predetermined information registration terminal 640 is connected to the information registration server 600 through the interface unit 605. Generate (or select) the messenger banking information and transmit it to the information registration server 600 via the network means, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 605 to the information registration terminal 640 through the network means.

Thereafter, the information registration terminal 640 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 600 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 610 Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 605 to the client terminal. It is preferable to provide.

According to another embodiment of the present invention, when the information registration terminal 640 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may use the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 640 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

The information receiving unit 615 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information through the user interface at the information registration terminal 640. And transmits through the network means to receive the messenger banking information in cooperation with the interface unit 605, and provides the received messenger banking information to the validity checker 625.

The validity confirming unit 625 is configured to check whether the messenger banking information received from the information registration terminal 640 satisfies the validity for exchange processing using messenger banking.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information is registered in the ledger D / B on the financial system associated with the messenger banking information registration system. It is preferable to include checking.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not affiliated with a currency exchange processing service using a messenger banking according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable to include whether or not provided with a function for providing a currency exchange processing service using the messenger banking according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 635 associated with the messenger banking system to provide a currency exchange service using messenger banking according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validity check of the messenger banking information is compared with the account ledger provided in the ledger D / B on the financial system that provides a currency exchange service using the messenger banking and the messenger linked account information included in the messenger banking information. By doing so, it is preferable that the messenger linked account information includes checking whether the messenger linked account information is available for providing a currency exchange processing service using the messenger banking.

In addition, the validity check of the messenger banking information, the customer personal information corresponding to the customer information included in the messenger banking information (for example, customer name, social security number, address, contact information, etc.) and currency exchange processing service using the messenger banking Comparing the customer ledger provided in the ledger D / B on the financial system to provide, it is preferable to include whether the customer corresponding to the customer information is a valid customer that can provide a currency exchange service using the messenger banking Do.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides currency exchange processing service using the messenger banking, Preferably, the authentication information includes checking whether the authentication information is valid non-face-to-face financial transaction authentication information capable of providing a currency exchange service using the messenger banking.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information is used for providing confidentiality, authentication, integrity, and nonrepudiation for providing currency exchange services using the messenger banking. It is preferable to include making sure that the function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

When the validity of the messenger banking information is confirmed, the information storage unit 620 associates banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association with the storage medium ( 630, the storage medium 630 is provided in the information registration server 600, or when provided on the network associated with the information registration server 600, the information storage unit ( In operation 620, the banking messenger information, the messenger account information, the messenger account information, and the customer information included in the received messenger banking information may be cooperatively stored and stored in the storage medium 630. ) Is provided in the DBMS provided on the financial system, the information storage unit 620 is the messenger information and the messenger for banking included in the received messenger banking information Providing the account information associated with the IM account information and customer information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

FIG. 7 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face manner for exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, in FIG. 7, when the storage medium 630 shown in FIG. 6 is a ledger D / B provided in a DBMS on a financial system, the banking messenger information and the messenger information for banking are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method in which messenger banking information including messenger account information, messenger linked account information, and customer information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 7, it is possible to infer various information construction methods for storing the messenger banking information in the ledger D / B, but the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Account number, transaction number, date, store number, commodity type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, brief, CIF, etc. This includes transaction details.

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

Referring to FIG. 7, the messenger banking information provided through the messenger banking information registration system shown in FIG. 6 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for the exchange processing service using the messenger banking, the MSN messenger of the Microsoft company, and the exchange processing service using the messenger banking. In order to verify that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention, and the messenger linked account information is used for currency exchange processing using the messenger banking. Characterized in that it comprises an account number that provides a service, the messenger linked account information according to the embodiment of the present invention further comprises the account number and account password and the bank code and / or branch code opened the account, etc. It is possible to include, and the present invention is not limited thereby.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

Referring to FIG. 7 according to the embodiment of the present invention, the messenger banking information stored in the form of additional information added to the account ledger includes messenger operator information corresponding to the banking messenger information, messenger program information, and messenger server. (635) information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for linking and processing the messenger banking information with the ledger, which is the messenger banking. Since the messenger linked account information included in the information is included in the account ledger provided in the ledger D / B, and the customer information is included in the customer ledger provided in the ledger D / B. to be.

According to another exemplary embodiment of the present invention, the messenger banking information is stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It can be stored in the form of additional information, and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby not limiting the present invention.

8 is a diagram illustrating a configuration of messenger banking information stored in a database associated with a ledger D / B 800 provided in a DBMS on a financial system in a non-face-to-face manner for currency exchange processing using messenger banking according to another embodiment of the present invention. One drawing.

In more detail, FIG. 8 shows an information structure for an implementation method in which the storage medium 805 shown in FIG. 6 is stored in a predetermined database linked to the ledger D / B 800 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing to associate the messenger banking information with the ledger D / B 800 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 8 illustrates a case in which it is not easy to store the messenger banking information in the ledger information of the ledger D / B 800 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). / B (800) is not easy to change, or due to the nature of the financial system is not easy to expand the system), the messenger banking information is stored in a predetermined database instead of the ledger D / B 800, and The implementation method of storing a database and the ledger D / B 800 in a coordinated manner is illustrated.

In addition, the database shown in FIG. 8 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 8, and the database on the messenger banking system, and / or according to the intention of a person skilled in the art. It may be configured in the form of a database on an Internet banking system, and / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 8, the database stores and stores banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information in association with the messenger banking information. It is preferable that the IM banking information further includes a CIF number corresponding to the ledger information in order to be processed in association with the D / B 800.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information may be exchanged by using the messenger banking service. For non-face-to-face financial transaction authentication information is preferably made to include.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

Referring to FIG. 8 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 800 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 635 information, messenger ID information and messenger password corresponding to the messenger account information, and cooperatively processing the messenger banking information with the account ledger. It comprises an account number for, which is the messenger linked account information included in the messenger banking information is included in the account ledger provided in the ledger D / B 800, the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B 800.

FIG. 9 is a diagram illustrating a configuration of messenger banking information stored in a DBMS provided in a banking server in a non-face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

In more detail, Figure 9 shows that the storage medium 805 shown in Figure 6 is a messenger banking system, and / or an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server, and a person having ordinary knowledge in the art to which the present invention pertains refers to at least one of the drawings and / or modifications of the present invention. The method of constructing information on messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred. However, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 9, a predetermined DBMS provided in the banking server stores and stores banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association with each other. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information is transferred to a non-face-to-face banking system subscribed to by the customer. Preferably, the corresponding non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

FIG. 10 is a diagram illustrating a process of registering messenger banking information in a non-face-to-face manner for currency exchange processing using messenger banking according to an exemplary embodiment of the present invention.

In more detail, FIG. 10 illustrates a case where the information registration server 600 on the messenger banking information registration system shown in FIG. 9 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 600 and connecting a communication channel for registering the messenger banking information according to the present invention, the messenger information and the banking account information for the banking to the information registration server 600 through the communication channel And the messenger banking information including messenger linked account information and customer information, the banking messenger information, messenger account information and messenger linked account information included in the received messenger banking information from the information registration server 600; The present invention relates to an implementation method of linking and processing customer information in a predetermined storage medium 805. Those skilled in the art can refer to and / or modify this drawing 10 to infer various implementation methods for registering the messenger banking information from the client terminal to the information registration server 600. However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 10, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the information registration server 600 illustrated in FIG. 9 is referred to as a “server” for convenience, and the information is registered in the client terminal. The banking messenger information, the messenger account information, the messenger linked account information, and the customer information transmitted to the server 600 are referred to as "messenger banking information" for convenience.

Referring to FIG. 10, when the client terminal illustrated in FIG. 9 is a predetermined network means (eg, the client terminal is a wired terminal 650), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 645. Is connected to the server via a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., connects a predetermined communication channel for registering the messenger banking information, and performs currency exchange processing using the messenger banking. When requesting to register the messenger banking information for 1000, the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the messenger banking information 1005, and through the communication channel, The generated (or extracted) web page is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface is a user for inputting (or selecting) messenger banking information including at least one of the banking messenger information, messenger account information, messenger linked account information, and customer information at the terminal. It is preferred to include an interface.

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

Thereafter, the terminal inputs (or selects) at least one messenger banking information including at least one banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (1015).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It features.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

If the terminal receives (or selects) messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1020), the terminal is connected to the communication channel. The inputted (or selected) banking messenger information, messenger account information, messenger association account information, and customer information are transmitted to the server through 1025.

According to an embodiment of the present invention, the banking messenger information, messenger account information, messenger link account information, and customer information input (or selected) through the communication channel is transmitted to the server through the information registration interface. The method may further include transmitting the input (or selected) messenger banking information to the server by digitally signing and / or encrypting it through a security module provided in the terminal.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the communication channel to check the validity of the messenger banking information (1030).

According to an embodiment of the present invention, verifying the validity of the messenger banking information may include decrypting the messenger banking information when the messenger banking information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the messenger banking information.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 800 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not affiliated with a currency exchange processing service using a messenger banking according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable to include whether or not provided with a function for providing a currency exchange processing service using the messenger banking according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 635 associated with the messenger banking system to provide a currency exchange service using messenger banking according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validity check of the messenger banking information, the account provided in the ledger D / B (800) on the financial system that provides a currency exchange service using the messenger banking information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable that the messenger-linked account information includes checking whether the messenger-linked account information is valid messenger-linked account information capable of providing a currency exchange service using the messenger banking.

In addition, the validity check of the messenger banking information, the customer personal information corresponding to the customer information included in the messenger banking information (for example, customer name, social security number, address, contact information, etc.) and currency exchange processing service using the messenger banking Comparing the customer ledger provided in the ledger D / B (800) on the financial system to provide, including checking whether the customer corresponding to the customer information is a valid customer that can provide a currency exchange service using the messenger banking; It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B 800 on the financial system that provides currency exchange service using the messenger banking, Preferably, the face-to-face financial transaction authentication information includes checking whether the face-to-face financial transaction authentication information is valid non-face-to-face financial transaction authentication information capable of providing a currency exchange service using the messenger banking.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information is used to provide confidentiality, authentication, integrity, and non-repudiation to provide currency exchange services using the messenger banking. It is desirable to include verifying that the nonrepudiation function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (1035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1040), and information corresponding to the messenger banking information. Do not perform the registration process.

On the other hand, if the validity of the messenger banking information is authenticated (1035), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. Cooperative processing is performed and stored in the predetermined storage medium 805 (1045).

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may include at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1050), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

11A and 11B illustrate a process of registering messenger banking information in a non-face-to-face manner for exchange processing using messenger banking according to another exemplary embodiment of the present invention.

11A and 11B illustrate more detail in the case where the IM banking information registration system illustrated in FIG. 9 is realized through an internet banking system among non-face-to-face channel-based banking systems, wherein the client terminal is a TCP / IP-based network. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet bank (for example, the Internet), the client terminal transmits predetermined messenger banking information to the Internet banking server for exchange processing using messenger banking. When the messenger banking information including messenger information, messenger account information, messenger association account information, and customer information is transmitted, the messenger banking information and messenger account included in the received messenger banking information is received from the information registration server 600. By linking the information, messenger linked account information and customer information, An embodiment of the present invention relates to a storage medium 805, and a person skilled in the art may refer to and / or modify the drawings 11a and 11b and the information registration server in the client terminal. Various implementation methods for registering the messenger banking information may be inferred at 600, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods illustrated in FIGS. 11A and 11B.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 11A and 11B, the browser program is used. Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the messenger banking information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, A messenger between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 11a and 11b. Banking Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby limiting the present invention. Not.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modified the Internet banking-based financial transaction channel connection method shown in Figures 11a and 11b, a telebanking system And / or a method of connecting a non-facing channel-based financial transaction channel for registering messenger banking information in another banking system such as a wireless banking system and / or a TV banking system, the present invention may infer the telebanking system. And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future non-face-to-face channel banking systems, wherein the technical configuration of the present invention is illustrated in FIG. It is by no means limited to the case of Internet banking shown in 11b.

11A and 11B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 600 is referred to as " server " for convenience.

11A and 11B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1100a), the server communicates between the terminal and the server through the browser. (1105a), wherein the communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client 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 web page in the provided browser program.

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 (1110a).

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 (1115a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1120a).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (1125a), or if the terminal does not need to install and / or update the security module for internet banking (1115a), 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 (1130a), 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 an encryption by using 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 predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the messenger banking information in the terminal. Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined digital signature attached to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for registering messenger banking information. Attach certain electronic signatures to information (or data) and / or at least When encrypted and transmitted with one or more encryption methods (and / or encryption algorithms), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding 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 channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1135a).

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 (1140a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (1145a).

If the Internet banking customer authentication fails (1150a), the server blocks the Internet banking security channel for the terminal (1155a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1150a), 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 (1160a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined messenger banking information for currency exchange processing using messenger banking from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based messenger banking information registration to the server through the inter-banking-based financial transaction channel to register the messenger banking information (1100b), the server may request a predetermined number for registering the messenger banking information. A web page corresponding to the information registration interface is generated (or extracted) (1105b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1110b).

According to an embodiment of the present invention, the information registration interface includes an interface for inputting (or selecting) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information in the terminal. And / or a predetermined password (e.g., account password, etc.) and / or security to verify the validity of the Internet banking customer requesting registration of the messenger banking information and / or the messenger banking information. Code (e.g. security code printed on security card issued to customer during internet banking application) and / or One Time Password (e.g. internet banking application process (or after internet banking application) provided to financial institution Enter a one-time password generated by one OTP authenticator (or OTP authentication program). It is preferable to further include an interface.

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

Thereafter, the terminal inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1115b).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 635 information corresponding to an instant messenger (or P2P program) that provides a currency exchange processing service using messenger banking according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a currency exchange processing service using the messenger banking, the MSN messenger of Microsoft Corporation, and a currency exchange processing service using the messenger banking. It includes at least one information that can be confirmed that the messenger server 635 associated with a predetermined financial system is the MSN messenger server 635.

The messenger account information corresponds to a messenger server corresponding to the messenger server 635 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 635, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

According to an embodiment of the present invention, the messenger ID information included in the messenger account information may include unique ID information including at least one alphabetical letter, a number, and a symbol that are not duplicated, an e-mail address of the messenger member, and a carry of the messenger member. At least one or more of a telephone number, a social security number of the messenger member, a unique number (or unique code) assigned to the messenger member (eg, an ENUM assigned to the messenger member), etc. It is preferable to make it.

The messenger linked account information includes financial account information of the customer's name that provides a currency exchange service using messenger banking according to the present invention. The messenger linked account information includes a currency exchange processing service using the messenger banking. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the exchange processing service using messenger banking according to the present invention. It is characterized by.

The customer information may include the customer ID information and the password registered in the financial system in which the messenger linked account is opened.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the customer information corresponds to the non-face-to-face banking system subscribed to by the customer. Preferably, the non-face-to-face financial transaction authentication information is included.

For example, when the customer subscribes to an internet banking system operated by a financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information may include ID / PW information and / or authorized certificate information for internet banking. At least one security card information and / or one time password (OTP) generator information is preferably included.

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger-linked account is opened, the customer information is provided with a currency exchange service using the messenger banking. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is used for messenger banking for currency exchange processing using the messenger banking. Preferably, the ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information are included.

If the terminal receives (or selects) messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1120b), the terminal performs the financial transaction. The input (or selected) messenger banking information is transmitted to the server through a channel (1125b).

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

Thereafter, the server receives and reads the messenger banking information through the financial transaction channel to check the validity of the messenger banking information (1130b).

According to an embodiment of the present invention, verifying the validity of the messenger banking information may include decrypting the messenger banking information when the messenger banking information is electronically signed and / or encrypted through a security module provided in the terminal. And / or decrypting the messenger banking information.

In addition, the verification of the validity of the messenger banking information, preferably further comprises authenticating a password and / or security code and / or OTP included in the messenger banking information.

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 800 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

In addition, the validity check of the messenger banking information, the messenger operator with reference to the messenger operator information corresponding to the banking messenger information included in the messenger banking information, the messenger operator based on the messenger banking system according to the present invention It is preferable to include whether or not affiliated with a currency exchange processing service using a messenger banking according to.

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable to include whether or not provided with a function for providing a currency exchange processing service using the messenger banking according to.

In addition, to check the validity of the messenger banking information, the messenger server 635 according to the present invention is referred to by the messenger server 635 according to the present invention with reference to the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 635 associated with the messenger banking system to provide a currency exchange service using messenger banking according to the present invention based on the system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 635 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 635.

For example, the validity checker 625 provides the messenger account information included in the messenger banking information to the messenger server 635 corresponding to the banking messenger information included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, to determine whether the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 635.

In addition, the validity check of the messenger banking information, the account provided in the ledger D / B (800) on the financial system that provides a currency exchange service using the messenger banking information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable that the messenger-linked account information includes checking whether the messenger-linked account information is valid messenger-linked account information capable of providing a currency exchange service using the messenger banking.

In addition, the validity check of the messenger banking information, the customer personal information corresponding to the customer information included in the messenger banking information (for example, customer name, social security number, address, contact information, etc.) and currency exchange processing service using the messenger banking Comparing the customer ledger provided in the ledger D / B (800) on the financial system to provide, including checking whether the customer corresponding to the customer information is a valid customer that can provide a currency exchange service using the messenger banking; It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B 800 on the financial system that provides currency exchange service using the messenger banking, Preferably, the face-to-face financial transaction authentication information includes checking whether the face-to-face financial transaction authentication information is valid non-face-to-face financial transaction authentication information capable of providing a currency exchange service using the messenger banking.

Here, the non-face-to-face financial transaction authentication information preferably includes at least one of ID / PW information for Internet banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information. .

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information is provided for confidentiality, authentication, integrity, and nonrepudiation to provide currency exchange services using the messenger banking. It is preferable to include making sure that the function is satisfied.

The non-face-to-face financial transaction authentication information may include at least one ID / PW information for messenger banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information. .

Persons having ordinary knowledge in the technical field to which the present invention pertains know the technical features of checking confidentiality, authentication, integrity and non-repudiation of non-face-to-face financial transaction authentication information for messenger banking. Detailed description is omitted for convenience.

If the validity of the messenger banking information is not authenticated (1135b), the server generates a web page including predetermined messenger banking information registration error information and transmits it to the terminal (1140b) and corresponds to the messenger banking information. Do not perform the information registration procedure.

On the other hand, if the validity of the messenger banking information is authenticated (1135b), the server performs an information registration procedure corresponding to the messenger banking information, thereby linking the messenger banking information and the messenger account information included in the messenger banking information to the messenger association. The account information and the customer information are cooperatively processed and stored in the predetermined storage medium 805 (1145b).

According to one embodiment of the invention, the storage medium 805 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). When the storage medium 805 may be a ledger D / B 800 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 800, thereby the invention This is not limited.

According to another exemplary embodiment of the present invention, the storage medium 805 may include at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined messenger banking information registration history information and transmits it to the terminal (1150b), thereby completing the registration of the messenger banking information transmitted from the terminal.

12 is a diagram illustrating a messenger banking system configuration for currency exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 12 illustrates a currency exchange process using the messenger banking to a customer who registers the messenger banking information on a predetermined storage medium 1280 through the messenger banking information registration system shown in FIGS. 1 and / or 6. A messenger banking system for providing a messenger-based currency exchange service. Specifically, a storage medium 1280 for storing the messenger banking information is provided in a DBMS on the messenger banking system as shown in FIGS. 4 and / or 9. It's about how.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 to infer various implementation methods for the configuration of a messenger banking system for exchange processing using the messenger banking. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs, the storage medium 1280 for storing the messenger banking information by referring to and / or modifying the drawing 12 may be a non-face-to-face messenger-based currency exchange. Provides a messenger-based currency exchange service for currency exchange processing using the messenger banking when stored in a ledger D / B on a financial system providing a service and / or stored in a predetermined database associated with the ledger D / B. Various messenger banking system configuration can be inferred, and the present invention is characterized by including all the inferred implementation method.

Referring to FIG. 12 according to an embodiment of the present invention, a messenger banking system for currency exchange processing using messenger banking includes: a messenger terminal 1200 equipped with a messenger program 1205 used by at least one messenger customer; A messenger server 1215 that provides at least one messenger service to the messenger customer in association with a messenger program 1205 included in the messenger terminal 1200, and registers messenger banking information illustrated in FIGS. 1 and / or 6. A messenger banking server 1240 that provides a non-face-to-face messenger based exchange service to at least one messenger customer using the messenger banking information registered in a predetermined storage medium 1280 through a system, and the messenger banking server 1 Financial system that processes at least one messenger banking-based non-face-to-face financial transaction processed in step 1240 It characterized by comprising.

The messenger terminal 1200 connects to the messenger server 1215 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program 1205 for providing image chat, message exchange, file exchange, mailing, friend search, etc.).

Alternatively, the messenger terminal 1200 connects to the messenger server 1215 through a network means including a code division multiple access (CDMA) based wireless communication network to at least one messenger service (eg, text chat, voice chat, image). A Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal with a messenger program 1205 that provides chat, message exchange, file exchange, mailing, friend searching, etc. and / or Or at least one or more Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones. Characterized in that made.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including an IEEE 802.16x based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). And at least one portable Internet terminal having a messenger program 1205 for exchanging files, sending mail, searching a friend, and the like.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including an IEEE 802.11x-based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one wireless LAN terminal having a messenger program 1205 for exchanging files, sending mail, searching a friend, and the like.

In addition, the messenger terminal 1200 is connected to the messenger server 1215 through a network means including a DataTAC method based on Motorola, or a Mobitex method based on Erricson, at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 1205 for providing chatting, video chatting, message exchange, file exchange, mailing, friend searching, and the like.

According to the present invention, the messenger terminal 1200 is provided with a predetermined messenger banking module 1210 interworking with the messenger program 1205 for exchange processing through messenger banking for currency exchange processing using the messenger banking. The messenger banking module 1210 provides a non-faceted messenger based currency exchange service for exchange processing using the messenger banking in connection with the messenger program 1205 provided in the messenger terminal 1200. Characterized in that.

According to the exemplary embodiment of the present invention, the messenger banking module 1210 encrypts the exchange processing request information transmitted from the messenger terminal 1200 to the messenger banking server 1240 for exchange processing using the messenger banking; And / or an encryption processing function for decrypting the exchange processing response information received from the messenger banking server 1240.

In addition, the messenger banking module 1210 attaches an electronic signature to the exchange processing request information transmitted from the messenger terminal 1200 to the messenger banking server 1240 for exchange processing using the messenger banking, and / or It is preferable to include an electronic signature function for confirming the electronic signature attached to the exchange processing response information received from the messenger banking server 1240.

In addition, the messenger banking module 1210 generates at least one OTP code included in the exchange processing request information transmitted from the messenger terminal 1200 to the messenger banking server 1240 for exchange processing using the messenger banking. It is preferable to include the function to make.

In addition, the messenger banking module 1210 may include an official certificate function for providing the encryption processing function and / or an electronic signature function, and / or a memory for storing the public certificate (eg, the messenger terminal ( Or a memory provided in an integrated circuit (IC) chip read through a predetermined card reader provided in the messenger terminal 1200.

The messenger server 1215 is a member for providing at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal 1200. Based on the predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 1200 which executes (or drives) the messenger program 1205 in association with the member information D / B. And a messenger member authentication unit 1225 for authenticating the messenger customer.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer in the messenger server 1215, and the messenger customer. It is preferable to include at least one predetermined member personal information (for example, customer name, social security number, address, contact information, etc.) for.

Further, the member information stored in the member information D / B indicates whether the messenger customer has subscribed to the messenger-based currency exchange service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6. Preferably, the message further includes messenger banking subscription information to confirm.

According to the exemplary embodiment of the present invention, when the messenger account 1200 including the messenger ID information and the messenger password is received from the messenger terminal 1200 that executes (or drives) the messenger program 1205, the messenger member authentication unit 1225. ) Compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information can receive at least one messenger service (eg, text chat, voice chat, video chat, It is desirable to verify that you are a valid messenger customer who can be provided with message exchange, file exchange, mailing, friend search, etc.).

According to the exemplary embodiment of the present invention, the messenger member authentication unit 1225 compares the messenger account information received from the messenger terminal 1200 with messenger account information provided in the member information D / B. Is performed when the messenger terminal 1200 executes (or drives) the messenger program 1205 for the first time and logs in to the messenger server 1215. Also, the messenger terminal 1200 executes the messenger program 1205. When the exchange processing request through at least one messenger banking request (1205), it is preferable to perform repeatedly in response to the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 1225 succeeds, the messenger server 1215 performs a messenger program 1205 included in the at least one messenger terminal 1200 in which the member authentication succeeds. Character chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc. characterized in that it comprises a messenger operation unit 1235 to operate to provide at least one messenger service.

Those skilled in the art to which the present invention pertains may include text chat, voice chat, video chat, and the like, via the messenger program 1205 provided in the at least one messenger terminal 1200. You will be familiar with the technical features of operating a message exchange, file exchange, mailing, friend search, etc. to provide at least one messenger service, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 12, the messenger server 1215 is a messenger banking operation unit that provides a messenger-based exchange service for exchange processing using the messenger banking in connection with the messenger banking server 1240 through a predetermined communication means ( 1220) characterized in that comprises a.

The messenger banking operation unit 1220 subscribes to the messenger banking stored in association with the messenger account information of the messenger member in the member information D / B when the messenger member authentication is successful through the messenger member authentication unit 1225. Read the information and check whether the messenger member subscribes to the messenger-based currency exchange service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6; When it is confirmed that the user has subscribed to the messenger-based currency exchange service, the messenger banking operation unit 1220 performs a messenger banking function of the messenger program 1205 provided in the messenger terminal 1200 in association with the messenger operation unit 1235. It is characterized by activating.

For example, when a messenger banking icon and / or a messenger banking menu are provided in a user interface of the messenger program 1205 provided in the messenger terminal 1200, the messenger banking manager 1220 may be configured as the messenger manager. It is preferable to activate the messenger banking icon and / or the messenger banking menu in the messenger program 1205 included in the messenger terminal 1200 in connection with 1235.

In addition, when the messenger member authentication through the messenger member authentication unit 1225 succeeds (eg, the messenger terminal 1200 executes the messenger program 1205 for the first time (or the messenger banking operation unit 1220). A messenger member authentication performed when the user logs in to the messenger server 1215 and / or exchanges money through at least one messenger banking through the messenger program 1205 in the messenger terminal 1200. When the messenger member authentication performed at the request is successful), the messenger member authentication result is transmitted to the messenger banking server 1240 through a predetermined communication means.

According to the exemplary embodiment of the present invention, the messenger banking server 1240 is configured for the messenger association account based on the messenger member authentication result received from the messenger banking operation unit 1220 provided in the messenger server 1215. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

The messenger banking server 1240 that provides a messenger-based exchange service for exchange processing using the messenger banking to the messenger customer is a messenger banking operation unit 1220 provided in the messenger server 1215 through a predetermined communication means. And an interface unit 1250 in communication with and / or in communication with a messenger program 1205 (and / or messenger banking module 1210) included in the messenger terminal 1200 via a predetermined network means. Characterized in that made.

The interface unit 1250 includes a messenger banking provided in the messenger server 1215 through a communication means including at least one dedicated communication network and / or a secure communication network (eg, a wired / wireless communication network communicating based on an encryption / decryption function). It is characterized in that the operation unit 1220 and the communication channel for receiving a predetermined messenger member authentication result.

If the person skilled in the art to which the present invention pertains, the interface unit 1250 communicates with the messenger banking operation unit 1220 provided in the messenger server 1215 to receive a predetermined messenger member authentication result. Since you will be familiar with the technical features of connecting and managing channels, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger banking operation unit 1220 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 1250 decrypts the encryption method corresponding to the encryption method. Preferably through the function of decrypting the encrypted messenger member authentication result through.

Alternatively, when the messenger banking operation unit 1220 transmits an electronic signature attached to the messenger member authentication result, the interface unit 1250 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 1220 transmits a predetermined OTP code in the messenger member authentication result, the interface unit 1250 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 1250 receives exchange request information for exchange processing using the messenger banking from the messenger terminal 1200 through a network means including at least one wired or wireless communication network, and / or the And connect and manage a financial transaction channel for transmitting currency exchange response information corresponding to the currency exchange request information to the messenger terminal 1200.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 1250 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 1200, and / or the Since it will be familiar with technical features for connecting and managing a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 1200, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger terminal 1200 encrypts and transmits the currency exchange request information by at least one encryption method, the interface unit 1250 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted currency exchange processing request information.

Alternatively, when the messenger terminal 1200 transmits an electronic signature attached to the exchange request information, the interface unit 1250 further includes a function of checking an electronic signature attached to the exchange request information. desirable.

Alternatively, when the messenger terminal 1200 includes a predetermined OTP code in the exchange request information, the interface unit 1250 further includes a function of checking the OTP code included in the exchange request information. It is preferable to make it.

According to another embodiment of the present invention, when the currency exchange response information corresponding to the exchange processing request information is transmitted to the messenger terminal 1200 from the messenger banking server 1240 by using at least one encryption method, the interface The unit 1250 preferably further includes a function of encrypting the exchange processing response information by a predetermined encryption method.

Alternatively, when the messenger banking server 1240 transmits an electronic signature to the exchange processing response information corresponding to the exchange processing request information from the messenger banking server 1240 to the messenger terminal 1200, the interface unit 1250 may change the exchange processing response information. It is preferable to further include a function of attaching an electronic signature.

According to the present invention, the messenger banking server 1240 is connected to the interface unit 1250, the information receiving unit 1260 for receiving a predetermined message member authentication result from the messenger server 1215 through the communication means. It is characterized by comprising.

In addition, the information receiving unit 1260 is connected to the interface unit 1250 through the network means from the messenger terminal 1200 from the messenger terminal 1200 through a predetermined non-face-to-face financing for messenger banking customer authentication for the exchange process using the messenger banking And receiving transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the non-face-to-face financial transaction authentication information is preferably included in (or applied to) exchange request information received from the messenger terminal 1200 and received.

In addition, the information receiving unit 1260 may receive exchange request information for exchange processing using the messenger banking from the messenger terminal 1200 through the network means in association with the interface unit 1250. .

According to an embodiment of the present invention, the exchange processing request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the messenger. Characterized in that it comprises at least one or more customer account information corresponding to the messenger linked account information for banking processing through banking, currency exchange information, including at least one account password, currency exchange request amount information and currency exchange information; The currency exchange request information is preferably attached and / or encrypted by a messenger banking module 1210 provided in the messenger terminal 1200.

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange processing information Preferably, the exchange request information includes information specifying at least one foreign currency to exchange money.

The messenger banking server 1240 includes a customer authentication unit 1265 for authenticating the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 1200 through the information receiving unit 1260. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined currency exchange request information, the customer authentication unit 1265 is included (or applied) in the currency exchange request information. It is characterized by securing confidentiality, authentication, authentication, integrity and nonrepudiation of the messenger-based currency exchange service corresponding to the currency exchange request information through non-face-to-face financial transaction authentication information.

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiving unit 1260, the customer authentication unit 1265 receives the received messenger banking ID / PW information and the storage medium. By comparing the messenger banking ID / PW information included in the customer information stored at 1280, the confidentiality of the messenger-based currency exchange service corresponding to the validation of the messenger banking customer and / or corresponding to the currency exchange request information, It is characterized by ensuring authentication, integrity and nonrepudiation.

Also, the information encrypted through at least one encryption key (eg, a symmetric key, a public key, or a private key) included in the authentication certificate included in the messenger terminal 1200 is provided through the information receiver 1260. When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 1265 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, or a public key) corresponding to the encryption key. Characterizing the validity of the messenger banking customer, and / or secure the confidentiality, authentication, integrity and non-repudiation of the messenger-based exchange service corresponding to the exchange request information.

Further, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received through the information receiving unit 1260, the customer authentication unit 1265 receives the reception. A messenger based currency exchange service corresponding to the validity of the messenger banking customer and / or corresponding to the currency exchange request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 1280. To ensure confidentiality, authentication, integrity and nonrepudiation.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer is received through the information receiving unit 1260, the customer authentication unit 1265 is connected to the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored at 1280 and comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer; and And / or secure confidentiality, authentication, integrity, and nonrepudiation of the messenger-based currency exchange service corresponding to the currency exchange request information.

Referring to FIG. 12, the messenger banking server 1240 receives the exchange request information based on the exchange request amount information and the currency exchange information included in the exchange request information received through the information receiving unit 1260. A currency exchange processing unit 1245 that checks an exchange rate for money exchange money information at the time point, and calculates money exchange processing amount information corresponding to the money change money information from the money exchange request amount information through the currency exchange rate; Banking processing unit 1270 for processing a non-face-to-face financial transaction for providing a messenger-based currency exchange service and a non-face-to-face method for the banking processing unit 1270 to provide a messenger-based currency exchange service in response to exchange request information. At least one of the ledgers D / B provided in the financial system through a predetermined interface means for processing When the non-face-to-face financial transaction for inquiring the above ledger information and / or providing the messenger-based currency exchange service by the banking processor 1270 is processed, the non-face-to-face financial transaction is performed through a predetermined interface means. Ledger processing unit 1275 for generating the ledger information corresponding to the information stored in the ledger D / B provided in the financial system, and a non-face-to-face financial transaction to provide a messenger-based exchange service in response to the exchange request information; And an information transmission unit 1255 for generating exchange exchange response information including a result and transmitting the exchange information to the messenger terminal 1200 through the interface unit 1250.

The messenger member authentication result is received from the messenger server 1215 through the information receiving unit 1260, and the messenger terminal 1200 corresponding to the messenger member authentication result is received through the information receiving unit 1260. When the financial transaction request information corresponding to the account inquiry request for the linked account is received, the banking processor 1270 requests an account inquiry for the messenger linked account from the ledger processor 1275, and correspondingly, the ledger processor 1275 inquires the account ledger corresponding to the messenger linked account from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitting unit 1255 is an account corresponding to the messenger linked account. Generate financial transaction response information including a ledger inquiry result and transfer it to the messenger terminal 1200 through the interface unit 1250. And it characterized in that.

The messenger member authentication result is received from the messenger server 1215 through the information receiving unit 1260, and the messenger terminal 1200 corresponding to the messenger member authentication result is received through the information receiving unit 1260. When the exchange processing request information for exchange processing using banking is received and the non-face-to-face financial transaction authentication information corresponding to the exchange processing request information is normally authenticated by the customer authentication unit 1265, the exchange processing unit 1245 is exchanged. On the basis of the exchange request amount information and currency exchange money information included in the currency exchange request information, the exchange rate of the currency exchange money information is checked at the time of receiving the currency exchange request information, and the exchange rate is exchanged from the exchange request amount information through the exchange rate. Calculating exchange rate information corresponding to currency information, and the banking processor 1270 requests the exchange. Characterized by performing the exchange procedure corresponding to the beam.

According to an embodiment of the present invention, the exchange processing request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the messenger. Characterized in that it comprises at least one or more customer account information corresponding to the messenger linked account information for banking processing through banking, currency exchange information, including at least one account password, currency exchange request amount information and currency exchange information; The currency exchange request information is preferably attached and / or encrypted by a messenger banking module 1210 provided in the messenger terminal 1200.

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange processing information Preferably, the exchange request information includes information specifying at least one foreign currency to exchange money.

According to the method of the present invention, the banking processing unit 1270 queries the account ledger corresponding to the customer account information through the ledger processing unit 1275, and an amount corresponding to the money exchange request amount is deposited in the customer account. It is preferable to check whether there is, and / or to check the account ledger corresponding to the customer account information through the ledger processing unit 1275 to confirm the validity of the account password.

Thereafter, the banking processor 1270 may calculate a predetermined exchange fee for converting the exchange request amount into the exchange processing amount according to the confirmed exchange rate.

According to an exemplary embodiment of the present invention, the banking processor 1270 sets a lock on the money exchange request amount and the money exchange fee corresponding to the money exchange fee from the customer account, and calculates the money in response to the money exchange request amount among the locked amounts. The amount of money exchange processing is made to be withdrawn through a bank window and / or an automated teller machine and / or an airport window and / or a currency exchange office and / or a travel agency, and the amount corresponding to the exchange fee is set at a predetermined financial institution's account (for example, Money transfer, the bank account and / or the automated teller machine and / or airport counter and / or currency exchange and / or travel agency, etc. Withdraw money can be withdrawn.

According to another exemplary embodiment of the present invention, the banking processor 1270 withdraws an amount corresponding to the exchange request amount and the exchange fee from the customer account, and calculates the corresponding amount of the withdrawal request from the withdrawal amount. The currency exchange amount corresponding to the currency exchange money information is withdrawn from a predetermined currency exchange account (e.g., through a bank counter and / or a financial teller machine and / or an airport counter and / or a currency exchange office and / or a travel agency). And deposit the amount corresponding to the exchange fee into a predetermined financial institution mother account (eg, the financial institution account where the exchange fee is deposited). The messenger member may communicate with a bank counter and / or a financial automated machine and / or an airport counter and / or a currency exchange office and / or a travel agency. It is possible to withdraw money exchange processing amount corresponding to the money change information.

Thereafter, the banking processor 1270 performs a ledger processing process of converting the exchange request amount into the calculated currency exchange amount.

Those skilled in the art to which the present invention belongs, will be familiar with the technical characteristics of the process of the ledger to withdraw the exchange request amount and exchange fee from the customer account to exchange money, detailed description thereof Omit for convenience.

When the ledger processing is completed, the ledger processing unit 1275 generates ledger information corresponding to withdrawal of the money exchange request amount and money exchange fee from the customer account, and exchange money, and through the predetermined interface means. Characterized in that it is stored in the ledger D / B provided in the, and the information transmission unit 1255 generates the exchange processing response information including the exchange processing result and the currency withdrawal information corresponding to the exchange processing request information and the interface It is characterized in that the transmission to the messenger terminal 1200 through the unit (1250).

Here, the money exchange withdrawal information is presented (or entered) by the messenger member to withdraw the money exchange processing amount from a predetermined bank window and / or financial teller and / or airport window and / or a currency exchange office and / or a travel agency. As the information, it is preferable to include a unique code (or unique number) for approving the withdrawal of the money exchange processing amount.

Referring to FIG. 12, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and further comprising the financial system between components in the financial system. An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions) It is characterized in that it is stored in association with.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the external system of the financial system may be configured to perform at least one non-face-to-face financial transaction processing function requested from the messenger banking server 1240 in association with the messenger banking server 1240 through the interface means. For example, it is preferable to include a messenger banking unit for performing a ledger inquiry, or ledger information storage.

In general, the financial system is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network), and through the window terminal. Provide face-to-face financial transaction services to at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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

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

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

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

Referring to FIG. 12, the financial system is connected to the messenger banking server 1240. The financial system includes at least one messenger terminal 1200 connected to a predetermined wired / wireless communication network through the messenger banking server 1240. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

13 is a diagram illustrating a messenger member authentication process for currency exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, in FIG. 13, when a messenger program 1205 is executed (or driven) in a predetermined messenger terminal 1200 and the user logs in to the predetermined messenger server 1215 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a currency exchange service using the messenger banking through a program 1205, specifically messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. It is for the case where the stored member information is stored in D / B.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 13 to infer various implementation methods for the messenger member authentication process for currency exchange using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger server 1215 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 13, when a predetermined messenger member executes (or drives) a messenger program 1205 provided in a predetermined terminal (or automatically executes), the terminal is connected to the messenger member 1205 through the messenger program 1205. Input the messenger account information of the server and transmit it to the server (1300).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1205 and transmitting the messenger account information to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1205 further comprises the step of automatically inputting the messenger account information stored in the memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (1305).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (1310), The server generates a predetermined messenger member error result and transmits the result to the terminal (1315). In response, the terminal transmits at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 1205. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (1310), the server The messenger banking subscription information associated with the messenger account information is read to determine whether the messenger member is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIGS. 1 and / or 6 (1320).

According to an embodiment of the present invention, the server is processed in association with the messenger account information to confirm messenger banking subscription information stored in the member information D / B, whereby the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether a user is registered as a messenger banking customer through a messenger banking information registration system.

If the messenger member is not registered as a messenger banking customer (1325), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 1205 through the messenger program 1205). Generates and transmits the information to authenticate the valid membership to the terminal (1330), the terminal corresponding to at least one messenger function (e.g. text chat, voice chat, video chat) provided in the messenger program 1205 , Message exchange, file exchange, mailing, friend search, etc.) (1335).

On the other hand, if the messenger member is subscribed as a messenger banking customer (1325), the server is the messenger member authentication result including the messenger account information (eg, the messenger member is at least one messenger through the messenger program 1205). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 1240 (1340), and the messenger banking server 1240 transmits the messenger member authentication result to a predetermined storage medium 1280. (1345).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1240 may be changed from the terminal to the messenger banking server 1240 when the currency exchange processing request is performed using at least one messenger banking. It is preferably used as information to authenticate the validity of the.

In addition, the messenger member authentication result stored in the messenger banking server 1240 is at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry from the terminal to the messenger banking server 1240 It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Subsequently, the server includes the messenger banking subscription information in the messenger member authentication result and transmits the messenger banking subscription information to the terminal (1350), and correspondingly, the terminal includes at least one messenger function (e.g. , Text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.), and the messenger banking function provided in the messenger program 1205 based on the messenger banking subscription information. Activate (1355).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1240 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1205 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 1205, And enabling a messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1205 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1205, and / or A messenger program 1205 provided in at least one or more other terminals associated with the messenger program 1205, and / or at least one server associated with the messenger program 1205 (eg, the messenger server shown in FIG. 12). (1215), or when the exchange processing request using the messenger banking request from the messenger banking server 1240, etc., is performed, in response to this, activating to perform the requested exchange process.

14 is a diagram illustrating a messenger member authentication process for currency exchange processing using messenger banking according to another embodiment of the present invention.

In more detail, FIG. 14 illustrates that when a messenger program 1205 is executed (or driven) on a predetermined messenger terminal 1200 to log in to a predetermined messenger server 1215 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. As a messenger member authentication process for activating to provide a currency exchange service using the messenger banking through a program 1205, a process of confirming whether the messenger member is a messenger banking customer is described in FIGS. 1 and / or 6. In the case of processing in connection with the storage medium 1280 on the illustrated messenger banking information registration system A such, the storage medium (1280) is considered to be provided in the banking server of the IM 1240. As shown in the figure 12.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 14 to infer various implementation methods for the messenger member authentication process for currency exchange using messenger banking. The invention includes all the implementation methods inferred, and the technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 14 so that the storage medium 1280 provides a non-face-to-face messenger banking service to the customer. When stored in the ledger D / B, and / or stored in a predetermined database associated with the ledger D / B, in accordance with the storage medium 1280 various implementation methods for checking whether the messenger member is a messenger banking customer It may be inferred, and the present invention is characterized by including all the methods of inference.

Hereinafter, in FIG. 14, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger server 1215 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 14, when a predetermined messenger member executes (or drives) a messenger program 1205 provided in a predetermined terminal (or automatically executes), the terminal is connected to the messenger member 1205 through the messenger program 1205. Input the messenger account information of the server to the server (1400).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1205 and transmitting the messenger account information to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1205 further comprises the step of automatically inputting the messenger account information stored in the memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (1405).

If the validity of the messenger member is not authenticated through the messenger account information (for example, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (1410), the The server generates a predetermined messenger member error result and transmits it to the terminal (1415). In response, the terminal transmits at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 1205. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (1410), the server Generating the messenger member authentication result including the messenger account information (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1205); The messenger banking server 1240 transmits the message to the messenger banking server 1240, and the message banking server checks whether the messenger account information matching the messenger account information is stored in the storage medium 1280. As a messenger banking customer through the messenger banking information registration system shown in FIGS. 1 and / or 6 Make sure the Mouth (1425).

According to the exemplary embodiment of the present invention, when the messenger banking server 1240 determines that the messenger account information matching the messenger account information is stored in the storage medium 1280, the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether the user is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIG.

If the messenger member is not subscribed as a messenger banking customer (1430), the messenger banking server 1240 generates messenger banking non-subscription information for the messenger account information and transmits the messenger banking information to the server (1435).

Thereafter, the server generates and transmits the messenger member authentication result (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1205). In response, the terminal may perform at least one or more messenger functions (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1205. Activate (1445).

On the other hand, if the messenger member is subscribed as a messenger banking customer (1430), the messenger banking server 1240 may perform at least one messenger service through the messenger member authentication result (eg, the messenger member 1205 through the messenger program 1205). Information for authenticating that the user is a valid member) can be stored in a predetermined storage medium 1280 (1450), and a messenger banking subscription information for the messenger account information is generated and transmitted to the server (1455).

According to the exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1240 may be changed from the terminal to the messenger banking server 1240 when the currency exchange processing request is performed using at least one messenger banking. It is preferably used as information to authenticate the validity of the.

In addition, the messenger member authentication result stored in the messenger banking server 1240 is at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry from the terminal to the messenger banking server 1240 It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Thereafter, the server includes the messenger banking subscription information in the messenger member authentication result and transmits the messenger banking subscription information to the terminal (1460). , Text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.), and the messenger banking function provided in the messenger program 1205 based on the messenger banking subscription information. Activate (1465).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1240 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1205 may include: when a messenger banking icon and / or a messenger banking menu are provided in the messenger program 1205, And enabling a messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1205 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1205, and / Or a messenger program 1205 provided in at least one or more other terminals associated with the messenger program 1205, and / or at least one server associated with the messenger program 1205 (eg, the messenger shown in FIG. 12). When a currency exchange processing request using the messenger banking is requested from the server 1215 or the messenger banking server 1240, the server 1215 or the messenger banking server 1240 may be activated to perform the requested exchange process.

15 illustrates a non-face-to-face financial transaction authentication process for currency exchange processing using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates the messenger banking provided in the messenger program 1205 included in the messenger terminal 1200 after performing the messenger member authentication process as shown in FIGS. 13 and / or 14. When the function is activated, based on the activated messenger banking function to perform a non-face-to-face financial transaction authentication process for processing the non-face-to-face financial transactions for currency exchange processing using the messenger banking, according to the technical features of the present invention Accordingly, FIG. 15 illustrates a non-facing non-face-to-face financial transaction (eg, account inquiry, etc.) through the messenger member authentication result shown in FIGS. 13 and / or 14 as shown in FIG. 16 before the non-face-to-face financial transaction authentication process is performed. Will be further illustrated.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 15 to infer various implementation methods for a non-face-to-face financial transaction authentication process for currency exchange using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 15.

Hereinafter, in FIG. 15, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger banking server 1240 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 15, a messenger banking icon corresponding to a messenger banking function activated by a messenger member through a messenger program 1205 provided in a predetermined terminal through the process shown in FIG. 13 and / or FIG. When the messenger banking menu is selected (1500), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program, and a predetermined non-face-to-face financial transaction authentication information input item is displayed through the user interface. Check if it is selected (1505).

According to an embodiment of the present invention, the messenger banking item selection user interface outputted through the messenger program 1205 before the non-face-to-face financial transaction authentication process is performed, at least one corresponding to a currency exchange process using the messenger banking. Of the messenger banking items, the messenger banking items that can be processed after the non-face-to-face financial transaction authentication process shown in FIG. 15 are preferably deactivated.

For example, the messenger banking item selection user interface output through the messenger program 1205 before the non-face-to-face financial transaction authentication process is performed may include a predetermined non-face-to-face financial transaction authentication information input item and the drawing 13 and / or It is preferable that only the messenger banking items corresponding to the non-facial non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 14 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (1510), the terminal is a non-face-to-face non-face-to-face process that can be processed only by the messenger member authentication results shown in FIGS. 13 and / or 14. In operation 1515, it is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected.

If an account inquiry-based messenger banking item corresponding to a non-face-to-face non-face-to-face financial transaction that can be processed only by the new member authentication result is not selected through the user interface (1520), the terminal provides a predetermined non-face-to-face through the user interface. The process of checking whether the financial transaction authentication information input item is selected is repeated.

On the other hand, if an account inquiry-based messenger banking item corresponding to a non-face-to-face non-financial transaction that can be processed only by the result of the new member authentication is selected through the user interface (1520), the terminal checks the account-based messenger as shown in FIG. Perform banking procedures.

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (1510), the terminal outputs at least one non-face-to-face financial transaction authentication information input user interface through the messenger program 1205, In operation 1525, at least one non-face-to-face financial transaction authentication information is input through the user interface.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (1530), the terminal inputs through the process shown in FIGS. 13 and / or 14 through the messenger program 1205. In operation 1535, messenger account information and at least one non-face-to-face financial transaction authentication information input through the user interface are transmitted to the server.

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 13 and / or 14 is provided. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process shown in FIGS. 13 and / or 14 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Check the validity for (1540).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is not confirmed (1545), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (1550). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (1555).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (1545), the server sends the message to the messenger banking customer (or currency exchange processing using the messenger banking) through the non-face-to-face financial transaction authentication information. Check the validity (1560).

When the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received from the terminal according to an embodiment of the present invention, the server receives the received messenger banking ID / PW information and the storage medium 1280. By comparing the ID / PW information for the messenger banking contained in the customer information stored in the, the confidentiality, authentication, integrity, and non-repudiation of the validity of the messenger banking customer and / or currency exchange processing using the messenger banking are ensured. It is desirable to.

In addition, non-face-to-face finance including information encrypted from the terminal through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in the authentication certificate provided in the messenger terminal 1200. When the transaction authentication information is received, the server decrypts through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key, thereby validating the messenger banking customer, and It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the currency exchange processing using the messenger banking.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received from the terminal, the server receives the received security card information and the storage medium 1280. By comparing the security card information included in the customer information stored in the), it is desirable to ensure the validity of the messenger banking customer, and / or to secure the confidentiality, authentication, integrity and non-repudiation of money exchange processing using the messenger banking Do.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer is received from the terminal, the server includes the customer information stored in the customer information stored in the storage medium 1280. By generating a predetermined OTP code based on the OTP code generation information, and comparing the generated OTP code and the received OTP code, the validity authentication of the messenger banking customer, and / or the exchange processing using the messenger banking It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation.

If the validity of the messenger banking customer (or currency exchange process using the messenger banking) is not authenticated through the non-face-to-face financial transaction authentication information (1565), the server generates predetermined non-face-to-face financial transaction authentication error result information. In step 1550, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (1555).

On the other hand, if the validity of the messenger banking customer (or currency exchange processing using the messenger banking) is authenticated through the non-face-to-face financial transaction authentication information (1565), the server generates predetermined non-face-to-face financial transaction authentication approval result information. The terminal transmits to the terminal (1570), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (1575), and the activated messenger banking item is a currency exchange processing item using messenger banking. It is preferable to comprise a.

16 illustrates a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

More specifically, FIG. 16 illustrates a non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIGS. 13 and / or 14 while performing the non-face-to-face financial transaction authentication process shown in FIG. If the corresponding account inquiry-based messenger banking item is selected, the process for processing the non-face-to-face financial transaction corresponding to the account inquiry-based messenger banking item, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying FIG. 16, it is possible to infer implementation methods for various non-face-to-face financial transaction processes based on messenger member authentication results, but the present invention includes all implementation methods inferred above. The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the messenger terminal 1200 illustrated in FIG. 12 is referred to as a “terminal” for convenience, and the messenger banking server 1240 illustrated in FIG. 12 is referred to as a “server” for convenience.

Referring to FIG. 16, during the non-face-to-face financial transaction authentication process shown in FIG. 15, the non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIG. 13 and / or FIG. When the account inquiry based messenger banking item is selected, the terminal generates messenger linked account inquiry request information including the messenger account information through the messenger program 1205 (1600), and the messenger program 1205. In operation 1605, the messenger linked account inquiry request information is transmitted to the server.

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 13 and / or 14 is provided. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process shown in FIGS. 13 and / or 14 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Validate the member (1610).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (1615), the server generates predetermined messenger linked account inquiry error information and transmits it to the terminal (1620). The terminal outputs the messenger linked account error information through the messenger program 1205 (1625).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (1615), the server is stored in the storage medium 1280 through messenger account information included in the messenger linked account inquiry request information. The predetermined messenger linked account information is identified (1630), and the process is performed to query the messenger linked account ledger in association with the financial system shown in FIG.

If the messenger linked account ledger inquiry is completed through the financial system (1640), the server generates a predetermined messenger linked account inquiry result corresponding to the messenger linked account inquiry request in connection with the financial system (1645). After generating predetermined messenger linked account inquiry result information including the messenger linked account inquiry result (1650), the generated messenger linked account inquiry result information is transmitted to the terminal (1655), and correspondingly, the terminal. In operation 1660, the messenger program 1205 outputs the received messenger linked account inquiry result information through the messenger program 1205.

17A, 17B, and 17C illustrate a currency exchange process using messenger banking according to an embodiment of the present invention.

In more detail, FIGS. 17A, 17B, and 17C illustrate a non-face-to-face contact in a messenger program 1205 provided in the messenger terminal 1200 after a non-face-to-face financial transaction authentication process is performed through the process shown in FIG. When the messenger banking-based currency exchange processing item is activated among the messenger banking items corresponding to the financial transaction authentication approval result information, the present invention relates to a process of processing a currency exchange process using messenger banking based on the activated messenger banking-based currency exchange item. Specifically, a user who inputs currency exchange processing information including at least one of customer account information, account password, currency exchange request amount information, and currency exchange currency information through the messenger program 1205 in the messenger terminal 1200 illustrated in FIG. 12. The present invention relates to an implementation method of processing the wire transfer financial transaction based on an interface.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 17a, 17b, and 17c to infer various implementation methods for a currency exchange process using messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 17A, 17B, and 17C.

Hereinafter, in FIG. 17A, FIG. 17B, and FIG. 17C, the messenger terminal 1200 shown in FIG. 12 is referred to as a "terminal" for convenience, and the messenger banking server 1240 shown in FIG. 12 is referred to as a "server" for convenience. .

17A, 17B, and 17C, a messenger banking function is activated through a process shown in FIGS. 13 and / or 14 through a messenger program 1205 provided in a predetermined terminal. When the corresponding messenger banking icon and / or messenger banking menu is selected (1700), the terminal performs the non-face-to-face financial transaction authentication process through the process shown in FIG. 15 through the messenger program 1205. Check whether the transaction authentication information is approved (1705).

If the non-face-to-face financial transaction authentication information is not approved (1710), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (1710), the terminal outputs the non-face-to-face financial transaction authentication based messenger banking item selection user interface through the messenger program 1205, and the user interface In operation 1715, it is checked whether a predetermined messenger banking-based currency exchange item is selected.

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined messenger banking based currency exchange item is selected through the user interface (1720), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 1205 (1725). ).

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIGS. 13 and / or 14 is provided. May be included, whereby the present invention is not limited.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 1205 (1730).

According to an embodiment of the present invention, the messenger linked account information request information may be transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 1210 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Subsequently, the server identifies predetermined messenger association account information stored in the storage medium 1280 through messenger account information included in the messenger association account information request information from the storage medium 1280, and the messenger association account. Information is transmitted to the terminal (1735).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 If the messenger linked account information registered through the banking information registration system is included in the messenger program 1205 (or messenger banking module 1210), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal selects predetermined customer account information from the received messenger linked account information through the messenger program 1205, and an account password for approving the exchange process through the money deposited in the customer account, and a currency exchange request. Output a currency exchange information input user interface including at least one amount of money information and currency exchange information (1740); and based on the currency exchange information input user interface through the messenger program 1205, the customer account information and account password; And exchange information processing information including at least one exchange request amount information and currency exchange information (1745).

If currency exchange processing information including at least one of the customer account information, the account password, the exchange request amount information, and the currency exchange information is input (1750), the terminal exchanges the messenger account information and the exchange through the messenger program 1205. Generate currency exchange request information including processing information (for example, customer account information, account password, money exchange request amount information, and currency exchange money information) (1755), and the generated currency exchange processing request information through the messenger program 1205; At least one non-face-to-face financial transaction authentication information is included and transmitted to the server (1760).

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange processing information Preferably, the exchange request information includes at least one foreign currency for specifying at least one foreign currency to be exchanged.

In addition, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to an embodiment of the present invention, the exchange processing request information is preferably transmitted through the messenger banking module 1210 provided in the terminal with a predetermined electronic signature and / or encrypted and transmitted to the server. Preferably, the server decrypts the exchange processing request information and checks an attached electronic signature, and a person having ordinary knowledge in the technical field to which the present invention belongs includes technical features of the encryption / decryption function and the electronic signature function. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the process of transmitting the exchange processing request information to the server through the messenger program 1205 is performed through one communication transaction or at least two communication transactions. All of them are possible, and this invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the currency exchange request information (1765).

According to an embodiment of the present invention, the exchange processing request information includes ID / PW information for messenger banking, and / or authorized certificate information, and / or predetermined security card information issued to the messenger banking customer for non-face-to-face financial transactions. , And / or non-face-to-face financial transaction authentication information including at least one or more OTP codes generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions, is preferably received by the server. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the exchange request information.

According to an embodiment of the present invention, if the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is included in the exchange processing request information, the server receives the received messenger banking ID / PW information and the message. By comparing the ID / PW information for messenger banking included in the customer information stored in the storage medium 1280, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

The currency exchange request information may include information encrypted through at least one encryption key (eg, a symmetric key, a public key, or a private key) included in an authorized certificate included in the messenger terminal 1200. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the exchange request information is received non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server and the received security card information By comparing the security card information included in the customer information stored in the storage medium 1280, the validity of the messenger banking customer, and / or the confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the exchange request information received non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer, the server is stored in the storage medium 1280 By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (1770), the server generates a messenger banking-based exchange processing error result corresponding to the exchange processing using the messenger banking (1775), and the generated messenger Generates a predetermined exchange processing response information including a banking-based exchange processing error result and transmits it to the terminal (1780), and correspondingly the terminal is included in the exchange processing response information through the messenger program (1205) The messenger banking-based currency exchange error result is output (1798).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (1770), the server performs the process shown in FIGS. 13 and / or 14 through the messenger account information included in the exchange request information. By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (1785).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is not confirmed (1786), the server generates a messenger banking-based exchange processing error result corresponding to the exchange processing using the messenger banking (1775). And generating predetermined exchange processing response information including the generated messenger banking-based exchange processing error result to the terminal (1780), and correspondingly, the terminal transfers the exchange processing response through the messenger program 1205. The messenger banking based currency exchange error result included in the information is output (1798).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (1786), the server exchanges the exchange request information based on the exchange request amount information and the currency exchange information included in the exchange request information. Upon receipt of the received exchange rate, the exchange rate of the currency exchange money information is checked (1787), and the exchange rate amount information corresponding to the currency exchange money information is calculated from the exchange rate money amount information (1788).

Thereafter, the server performs a messenger banking-based exchange processing procedure for the exchange request amount included in the exchange processing request information through the received exchange processing request information and the calculated exchange processing amount (1791).

According to an embodiment of the present invention, it is preferable that the server checks the account ledger corresponding to the customer account information to confirm whether an amount corresponding to the money exchange request amount is deposited in the customer account, and / or the customer. It is preferable to check the validity of the account password by inquiring the account ledger corresponding to the account information.

Thereafter, the server calculates a predetermined exchange fee for converting the exchange request amount into the exchange processing amount according to the confirmed exchange rate.

According to an exemplary embodiment of the present invention, the server sets a lock on the money exchange request amount and the money exchange fee corresponding to the money exchange fee from the customer account, and the money exchange processing amount calculated in response to the money exchange request amount among the locked money. The bank account and / or the automated teller machine and / or the airport counter and / or the currency exchange office and / or the travel agency are processed to withdraw money, and the amount corresponding to the exchange fee is set at a predetermined financial institution's mother account (e.g. The bank account and / or the automatic teller machine and / or the airport counter and / or the currency exchange office and / or the travel agency. Withdraw money.

According to another exemplary embodiment of the present invention, the server withdraws the money exchange request amount and the money exchange fee corresponding to the money exchange fee from the customer account, and the money exchange processing amount calculated in response to the money exchange request amount among the withdrawn money. A financial institution that is configured to withdraw the currency exchange amount corresponding to the currency exchange money information through a predetermined currency exchange account (e.g., through a bank window and / or a financial automated device and / or an airport window and / or a currency exchange office and / or a travel agency). And deposit an amount corresponding to the exchange fee into a predetermined financial institution's mother account (eg, a financial institution account where the exchange fee is deposited). Through the bank counter and / or the automated teller machine and / or the airport counter and / or the exchange office and / or travel agency The exchange process corresponding to the amount of information it is possible to withdraw money.

Thereafter, the server performs a ledger processing process for converting the exchange request amount into the calculated exchange rate processing amount.

Those skilled in the art to which the present invention belongs, will be familiar with the technical characteristics of the process of the ledger to withdraw the exchange request amount and exchange fee from the customer account to exchange money, detailed description thereof Omit for convenience.

If a predetermined error occurs while processing the messenger banking-based currency exchange process corresponding to the exchange request information (1792), the server returns a messenger banking-based currency exchange error result corresponding to the currency exchange process using the messenger banking. Generate (1775), and generate predetermined exchange processing response information including the generated messenger banking based exchange processing error result to transmit to the terminal (1780); correspondingly, the terminal transmits the messenger program (1205). The messenger banking-based exchange processing error result included in the exchange processing response information is output (1798).

On the other hand, if the messenger banking based currency exchange process corresponding to the exchange request information is successfully processed (1792), the server generates predetermined ledger information corresponding to the bank transfer financial transaction process (1793). In operation 1794, the ledger information generated in response to the account transfer financial transaction processing is stored in the ledger D / B on the financial system in association with the illustrated financial system.

In the technical field to which the present invention pertains, technical features for storing the ledger information generated by the server in response to the bank transfer financial transaction processing and the ledger information in the ledger D / B on the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the account transfer financial transaction processing is stored in the ledger D / B on the financial system (1795), the server is a messenger banking-based currency exchange processing result corresponding to the exchange processing using the messenger banking; Generating money exchange withdrawal information (1796), generating predetermined currency exchange response information including the generated messenger banking-based money exchange processing result and money exchange withdrawal information, and transmitting it to the terminal (1797); In operation 1798, the messenger banking-based currency exchange processing result and currency exchange withdrawal information included in the currency exchange response information are output through the messenger program 1205.

Here, the money exchange withdrawal information is presented (or entered) by the messenger member to withdraw the money exchange processing amount from a predetermined bank window and / or financial teller and / or airport window and / or a currency exchange office and / or a travel agency. As the information, it is preferable to include a unique code (or unique number) for approving the withdrawal of the money exchange processing amount.

18 is a diagram showing the configuration of a messenger banking system for group exchange processing using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 18 illustrates a group exchange process using the messenger banking to a customer who registers the messenger banking information on a predetermined storage medium 1880 through the messenger banking information registration system shown in FIGS. 1 and / or 6. A messenger banking system for providing a messenger-based currency exchange service is provided. Specifically, a storage medium 1880 for storing the messenger banking information is provided in a DBMS on the messenger banking system as shown in FIGS. 4 and / or 9. It is about the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 18 to infer various implementation methods for the configuration of a messenger banking system for group exchange processing using the messenger banking. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 18.

For example, if a person of ordinary skill in the art of the present invention belongs to the storage medium 1880 that stores the messenger banking information by referring to and / or modifying the drawing 18, the messenger-based currency exchange of the non-face-to-face manner is provided to the customer. When stored in the ledger D / B on the financial system providing a service, and / or stored in a predetermined database associated with the ledger D / B, provides a messenger-based currency exchange service for the group exchange processing using the messenger banking Various messenger banking system configuration can be inferred, and the present invention is characterized by including all the inferred implementation method.

Referring to FIG. 18 according to an embodiment of the present invention, a messenger banking system for group exchange processing using messenger banking includes a messenger terminal 1800 equipped with a messenger program 1805 used by at least one messenger customer; A messenger server 1815 providing at least one messenger service to the messenger customer in association with a messenger program 1805 included in the messenger terminal 1800, and messenger banking information shown in FIGS. 1 and / or 6; A messenger banking server 1840 that provides a non-face-to-face messenger based exchange service to at least one messenger customer using the messenger banking information registered in a predetermined storage medium 1880 through a registration system, and the messenger banking server Financial city processing at least one messenger banking-based non-face-to-face financial transaction processed at 1840 It comprises a stem.

The messenger terminal 1800 connects to the messenger server 1815 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program 1805 for providing image chat, message exchange, file exchange, mailing, friend searching, etc.).

Alternatively, the messenger terminal 1800 may be connected to the messenger server 1815 through a network means including a code division multiple access (CDMA) based wireless communication network to provide at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminals with a messenger program 1805 that provides chat, message exchange, file exchange, mailing, friend searching, etc. and / or Or at least one or more Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones. Characterized in that made.

In addition, the messenger terminal 1800 is connected to the messenger server 1815 through a network means including an IEEE 802.16x based wireless communication network to at least one messenger service (eg, text chat, voice chat, image chat, message exchange). And at least one portable Internet terminal having a messenger program 1805 for providing file exchange, mailing, friend searching, etc.).

In addition, the messenger terminal 1800 connects to the messenger server 1815 through a network means including an IEEE 802.11x-based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one wireless LAN terminal having a messenger program 1805 for exchanging files, sending mail, searching for friends, and the like.

In addition, the messenger terminal 1800 is connected to the messenger server 1815 through a network means including a DataTAC method based on Motorola, or a Mobitex method based on Erricson, and at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 1805 that provides chat, video chat, message exchange, file exchange, mailing, friend search, and the like.

According to the present invention, the messenger terminal 1800 includes a predetermined messenger banking module 1810 interworking with the messenger program 1805 for exchange processing through messenger banking for group exchange processing using the messenger banking. The messenger banking module 1810 is a non-faceted messenger based currency exchange service for group exchange processing using the messenger banking in connection with the messenger program 1805 provided in the messenger terminal 1800. It characterized in that to provide.

According to the exemplary embodiment of the present invention, the messenger banking module 1810 encrypts the exchange processing request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 for group exchange processing using the messenger banking. And / or an encryption processing function for decrypting currency exchange response information received from the messenger banking server 1840.

In addition, the messenger banking module 1810 attaches an electronic signature to the exchange processing request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 for group exchange processing using the messenger banking, and // Or an electronic signature function for confirming the electronic signature attached to the exchange processing response information received from the messenger banking server 1840.

In addition, the messenger banking module 1810 may include at least one OTP code included in the exchange processing request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 for group exchange processing using the messenger banking. It is preferable to include the function to generate.

In addition, the messenger banking module 1810 may include an official certificate function for providing the encryption processing function and / or an electronic signature function, and / or a memory (eg, the messenger terminal) Memory included in 1800 or an IC (Integrated Circuit) chip read through a predetermined card reader provided in the messenger terminal 1800).

The messenger server 1815 is a member for providing at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.) through the messenger terminal 1800. Based on the predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 1800 executing (or driving) the messenger program 1805 in association with the member information D / B. And a messenger member authentication unit 1825 for authenticating the messenger customer.

According to an embodiment of the present invention, the member information stored in the member information D / B includes messenger account information (eg, messenger ID information and messenger password) registered by the messenger customer in the messenger server 1815, and the messenger customer. It is preferable to include at least one predetermined member personal information (for example, customer name, social security number, address, contact information, etc.) for.

Further, the member information stored in the member information D / B indicates whether the messenger customer has subscribed to the messenger-based currency exchange service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6. Preferably, the message further includes messenger banking subscription information to confirm.

According to the exemplary embodiment of the present invention, when messenger account information including messenger ID information and messenger password is received from the messenger terminal 1800 that executes (or drives) the messenger program 1805, the messenger member authentication unit 1825 ) Compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information can receive at least one messenger service (eg, text chat, voice chat, video chat, It is desirable to verify that you are a valid messenger customer who can be provided with message exchange, file exchange, mailing, friend search, etc

According to an embodiment of the present invention, a messenger member authentication process of the messenger member authentication unit 1825 comparing the messenger account information received from the messenger terminal 1800 with messenger account information provided in the member information D / B Is preferably performed when the messenger terminal 1800 executes (or drives) the messenger program 1805 for the first time and logs in to the messenger server 1815. Also, the messenger terminal 1800 performs the messenger program. When the exchange processing request through at least one messenger banking request (1805), it is preferable to perform repeatedly in response to the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 1825 succeeds, the messenger server 1815 provides a messenger program 1805 included in at least one messenger terminal 1800 in which the member authentication succeeds. Character chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc. characterized in that it comprises a messenger operating unit (1835) to operate to provide at least one messenger service.

Those skilled in the art to which the present invention pertains may include text chat, voice chat, video chat, and the like through the messenger program 1805 provided in the at least one messenger terminal 1800. You will be familiar with the technical features of operating a message exchange, file exchange, mailing, friend search, etc. to provide at least one messenger service, so a detailed description thereof will be omitted for convenience.

Referring to FIG. 18, the messenger server 1815 is a messenger banking operation unit that provides a messenger-based exchange service for group exchange processing using the messenger banking in connection with the messenger banking server 1840 through a predetermined communication means. It is characterized by comprising (1820).

The messenger banking management unit 1820 joins the messenger banking stored in association with the messenger account information of the messenger member in the member information D / B when the messenger member authentication is successful through the messenger member authentication unit 1825. Reading the information and checking whether the messenger member subscribes to the messenger-based currency exchange service provided by the financial system through the messenger banking information registration system shown in FIGS. 1 and / or 6; When it is confirmed that the user has subscribed to the messenger-based currency exchange service, the messenger banking operation unit 1820 performs a messenger banking function of the messenger program 1805 included in the messenger terminal 1800 in association with the messenger operation unit 1835. It is characterized by activating.

For example, when a messenger banking icon and / or a messenger banking menu are provided in a user interface of the messenger program 1805 included in the messenger terminal 1800, the messenger banking operation unit 1820 may operate the messenger. It is preferable to activate the messenger banking icon and / or messenger banking menu in the messenger program 1805 included in the messenger terminal 1800 in association with the unit 1835.

In addition, when the messenger member authentication through the messenger member authentication unit 1825 succeeds (eg, the messenger terminal 1800 is executed by the messenger banking operation unit 1820 for the first time (or Drive) when the messenger member authentication performed when logging in to the messenger server 1815 succeeds, and / or at least one messenger banking process in the messenger terminal 1800 through the messenger program 1805. When the messenger member authentication performed upon request is successful), the messenger member authentication result is transmitted to the messenger banking server 1840 through a predetermined communication means.

According to an embodiment of the present invention, the messenger banking server 1840 is configured for the messenger association account based on the messenger member authentication result received from the messenger banking operation unit 1820 provided in the messenger server 1815. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

The messenger banking server 1840 which provides a messenger based exchange service for group exchange processing using the messenger banking to the messenger customer is a messenger banking operation unit 1820 provided in the messenger server 1815 through a predetermined communication means. Interface unit 1850 that communicates with the messenger program 1805 (and / or messenger banking module 1810) included in the messenger terminal 1800 through a predetermined network means. It is characterized by comprising.

The interface unit 1850 includes messenger banking provided in the messenger server 1815 through communication means including at least one dedicated communication network and / or a secure communication network (eg, a wired / wireless communication network based on an encryption / decryption function). It is characterized in that the operating unit 1820 connects and manages a communication channel for receiving a predetermined messenger member authentication result.

If the person skilled in the art to which the present invention pertains, the interface unit 1850 communicates with the messenger banking operation unit 1820 provided in the messenger server 1815 to receive a predetermined messenger member authentication result. Since you will be familiar with the technical features of connecting and managing channels, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger banking operation unit 1820 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 1850 decrypts the encryption method corresponding to the encryption method. Preferably through the function of decrypting the encrypted messenger member authentication result through.

Alternatively, when the messenger banking operation unit 1820 transmits an electronic signature to the messenger member authentication result, the interface unit 1850 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 1820 includes a predetermined OTP code in the messenger member authentication result, the interface unit 1850 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 1850 receives the exchange processing request information for the group exchange processing using the messenger banking from the messenger terminal 1800 through a network means including at least one wired or wireless communication network, and / or the And a financial transaction channel for transmitting the exchange processing response information corresponding to the exchange processing request information to the messenger terminal 1800.

If the person skilled in the art to which the present invention pertains, the interface unit 1850 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 1800, and / or the Since it will be familiar with technical features of connecting and managing a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 1800, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger terminal 1800 encrypts and transmits the currency exchange request information by at least one encryption method, the interface unit 1850 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted currency exchange processing request information.

Alternatively, when the messenger terminal 1800 transmits an electronic signature to the exchange request information, the interface unit 1850 further includes a function of checking an electronic signature attached to the exchange request information. desirable.

Alternatively, when the messenger terminal 1800 transmits a predetermined OTP code in the exchange request information, the interface unit 1850 further includes a function of checking the OTP code included in the exchange request information. It is preferable to make it.

According to another embodiment of the present invention, when the messenger banking server 1840 encrypts and exchanges the exchange processing response information corresponding to the exchange processing request information from the messenger banking server 1840 by at least one encryption method, The interface unit 1850 preferably further includes a function of encrypting the exchange processing response information by a predetermined encryption method.

Alternatively, when the electronic device attaches an electronic signature to the exchange processing response information corresponding to the exchange processing request information from the messenger banking server 1840 to the messenger terminal 1800, the interface unit 1850 transmits the exchange processing response information. It is preferable to further include a function of attaching an electronic signature.

According to the present invention, the messenger banking server 1840 is connected to the interface unit 1850, the information receiving unit 1860 for receiving a predetermined message member authentication result from the messenger server 1815 through the communication means. It is characterized by comprising.

In addition, the information receiving unit 1860 is connected to the interface unit 1850 through the network means from the messenger terminal 1800, a predetermined non-face-to-face for messenger banking customer authentication for group exchange processing using the messenger banking Receive financial transaction authentication information.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to the exemplary embodiment of the present invention, the non-face-to-face financial transaction authentication information is preferably included in (or applied to) exchange request information received from the messenger terminal 1800 and received.

In addition, the information receiving unit 1860, in connection with the interface unit 1850, receives exchange processing request information for group exchange processing using the messenger banking from the messenger terminal 1800 through the network means. do.

According to an embodiment of the present invention, the exchange processing request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the messenger. At least one or more currency exchange information and predetermined currency exchange group information including at least one of customer account information, account password, currency exchange request amount information, and currency exchange currency information corresponding to messenger linked account information for currency exchange processing through banking; The exchange request information is preferably a predetermined electronic signature is attached and / or encrypted by the messenger banking module 1810 provided in the messenger terminal 1800.

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange processing information Preferably, the exchange request information includes information specifying at least one foreign currency to exchange money.

In addition, the exchange group information is based on a predetermined messenger banking by at least two messenger members through at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, etc.). When a currency exchange group is set and each currency exchange request amount corresponding to the currency exchange group is exchanged, it is preferable that a currency exchange group unique code (or a unique number) for identifying the currency exchange group is included. Preferably, the currency exchange group further includes a group exchange amount information corresponding to the total exchange request amount to be exchanged.

The messenger banking server 1840 includes a customer authentication unit 1865 for authenticating the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 1800 through the information receiving unit 1860. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined currency exchange request information, the customer authentication unit 1865 is included (or applied) in the currency exchange request information. It is characterized by securing confidentiality, authentication, authentication, integrity and nonrepudiation of the messenger-based currency exchange service corresponding to the currency exchange request information through non-face-to-face financial transaction authentication information.

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiving unit 1860, the customer authentication unit 1865 stores the received messenger banking ID / PW information and the storage medium. By comparing the ID / PW information for messenger banking included in the customer information stored in 1880, the confidentiality of the messenger-based currency exchange service corresponding to the validity of the messenger banking customer and / or corresponding to the currency exchange request information, It is characterized by ensuring authentication, integrity and nonrepudiation.

In addition, the information received through at least one encryption key (for example, symmetric key, public key, private key, etc.) provided in the authentication certificate provided in the messenger terminal 1800 through the information receiving unit 1860 When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 1865 decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. And, verifying the validity of the messenger banking customer and / or securing confidentiality, authentication, integrity, and non-repudiation of the messenger-based exchange service corresponding to the exchange request information.

Further, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received through the information receiving unit 1860, the customer authentication unit 1865 receives the reception. A messenger based currency exchange service corresponding to the validity of the messenger banking customer and / or corresponding to the currency exchange request information by comparing the secured card information with the security card information included in the customer information stored in the storage medium 1880. To ensure confidentiality, authentication, integrity and nonrepudiation.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer is received through the information receiving unit 1860, the customer authentication unit 1865 is connected to the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 1880 and comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer; And / or secure confidentiality, authentication, integrity, and nonrepudiation of the messenger-based currency exchange service corresponding to the currency exchange request information.

Referring to FIG. 18, the messenger banking server 1840 reads the exchange group information included in the exchange request information received through the information receiving unit 1860 to identify the exchange group corresponding to the exchange request information. A currency exchange processing unit 1845 which checks an exchange rate corresponding to the identified currency exchange group and calculates exchange rate processing amount information corresponding to the currency exchange money information from the exchange request amount information through the exchange rate; In response to the non-face-to-face financial transactions for providing a messenger-based currency exchange service, the banking processor 1870 and the banking processor 1870 for providing a messenger-based currency exchange service in response to the exchange request information; Write down from the ledger D / B provided in the financial system through a predetermined interface means to process face-to-face financial transactions. When the non-face-to-face financial transaction for inquiring one or more ledger information and / or providing the messenger-based currency exchange service by the banking processing unit 1870 is processed, the non-face-to-face financial through a predetermined interface means. A ledger processor 1875 for generating ledger information corresponding to a transaction and storing the ledger information in the ledger D / B provided in the financial system, and a non-face-to-face finance for providing a messenger-based currency exchange service in response to the exchange request information. It is characterized in that it comprises an information transmission unit 1855 for generating the exchange processing response information including the transaction results and transmits to the messenger terminal 1800 through the interface unit 1850.

The messenger member authentication result is received from the messenger server 1815 through the information receiving unit 1860, and the messenger terminal 1800 is received from the messenger terminal 1800 corresponding to the messenger member authentication result through the information receiving unit 1860. When the financial transaction request information corresponding to the account inquiry request for the linked account is received, the banking processing unit 1870 requests the account inquiry for the messenger linked account to the ledger processing unit 1875, and correspondingly, the ledger processing unit 1875 inquires the account ledger corresponding to the messenger linked account from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitting unit 1855 accounts for the messenger linked account. Generate financial transaction response information including a ledger inquiry result and transmit it to the messenger terminal 1800 through the interface unit 1850. Characterized in that.

The messenger member authentication result is received from the messenger server 1815 through the information receiving unit 1860, and the messenger terminal 1800 is received from the messenger terminal 1800 corresponding to the messenger member authentication result through the information receiving unit 1860. Predetermined group exchange registration request information including a group exchange amount is received for group exchange processing using banking, and non-face-to-face financial transaction authentication information corresponding to the group exchange registration request information is received by the customer authentication unit 1865. If it is authenticated normally, the currency exchange processing unit 1845 calculates a group exchange fee corresponding to the group exchange amount included in the received group exchange registration request information, and a predetermined group exchange unique code (or unique code for identifying the group exchange). Number), and the group exchange unique code (or unique number) and the group exchange fee are linked to each other. After storing in the group exchange D / B (1885), the group exchange registration response information including the group exchange unique code (or unique number) is generated and transmitted to the messenger terminal 1800.

Here, the group exchange amount included in the group exchange registration request information includes a total amount of money exchanged by at least two messenger members included in the messenger banking-based exchange group exchange through the messenger banking-based group exchange. By calculating the group exchange fee cheaper than the conventional exchange fee in the server is characterized in that for applying to the banking based messenger banking group exchange.

According to an embodiment of the present invention, the group exchange registration request information further comprises at least two or more messenger account information included in the messenger banking-based exchange group, and / or each messenger corresponding to the messenger account information. It is possible to further include the exchange request amount information for each member, whereby the present invention is not limited.

The messenger member authentication result is received from the messenger server 1815 through the information receiving unit 1860, and the messenger terminal 1800 is received from the messenger terminal 1800 corresponding to the messenger member authentication result through the information receiving unit 1860. When the exchange processing request information for the group exchange processing using banking is received and the non-face-to-face financial transaction authentication information corresponding to the exchange processing request information is normally authenticated by the customer authentication unit 1865, the currency exchange processing unit 1845 ) Reads the exchange group information included in the received exchange request information to check the exchange group corresponding to the exchange request information, check the exchange rate corresponding to the confirmed exchange group, the exchange rate through the exchange rate The exchange amount processing information corresponding to the currency exchange money information is calculated from the requested price information, and the banking processing unit 1870 receives an image. Characterized by performing the exchange procedure corresponding to the exchange processing request information.

According to an embodiment of the present invention, the exchange processing request information may include messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and the messenger. At least one or more currency exchange information and predetermined currency exchange group information including at least one of customer account information, account password, currency exchange request amount information, and currency exchange currency information corresponding to messenger linked account information for currency exchange processing through banking; Characterized in that, the exchange request information is preferably a predetermined electronic signature is attached and / or encrypted by the messenger banking module 1810 provided in the messenger terminal 1800.

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange information Preferably, the exchange request information includes at least one foreign currency for specifying at least one foreign currency to be exchanged.

In addition, the exchange group information, at least two or more messenger members through a predetermined exchange group through at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) In the case of setting and converting each exchange request amount corresponding to the exchange group, it is preferable to include a currency exchange group unique code (or a unique number) for identifying the currency exchange group. It is preferable to further comprise a group exchange amount information corresponding to the total exchange request amount to be exchanged through.

According to the implementation method of the present invention, the banking processing unit 1870 inquires the account ledger corresponding to the customer account information through the ledger processing unit 1875 and the amount corresponding to the exchange request amount is deposited in the customer account. It is preferable to check whether there is, and / or to check the account ledger corresponding to the customer account information through the ledger processing unit 1875 to confirm the validity of the account password.

Thereafter, the banking processor 1870 may calculate a predetermined group exchange fee for converting the exchange request amount into the currency exchange amount according to the confirmed exchange rate.

According to an exemplary embodiment of the present invention, the banking processor 1870 sets a lock on the money exchange request amount and the group money exchange fee corresponding to the group money exchange fee from the customer account, and in response to the money exchange request amount of the locked money. The calculated currency exchange amount is processed to be withdrawn through a bank window and / or an automated teller machine and / or an airport window and / or an exchange office and / or a travel agency, and the amount corresponding to the group exchange fee is set at a predetermined financial institution's account. (E.g., a financial institution account in which a group exchange fee is deposited), whereby the messenger member is a bank teller and / or a financial teller and / or an airport teller and / or an exchange office and / or a travel agency. Through the currency exchange amount can be withdrawn.

According to another exemplary embodiment of the present invention, the banking processor 1870 withdraws an amount corresponding to the exchange request amount and the group exchange fee from the customer account, and corresponding to the exchange request amount of the withdrawn amount; The money exchange processing amount corresponding to the money exchange money information is transferred to a currency exchange account (e.g., through a bank counter and / or a financial teller and / or an airport counter and / or a currency exchange office and / or a travel agency). And deposit an amount corresponding to the group exchange fee into a predetermined financial institution mother account (for example, a financial institution account in which a group exchange fee is deposited). Thereby, the messenger member may use the bank teller and / or the automated teller machine and / or the airport teller and / or the exchange office and / or It is possible to withdraw the exchange processing amount corresponding to the money exchange information with other events.

Thereafter, the banking processor 1870 performs a ledger processing process of converting the exchange request amount into the calculated exchange rate.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of the ledger processing process to withdraw the exchange request amount and group exchange fee from the customer account to exchange money, detailed description thereof Is omitted for convenience.

When the ledger processing is completed, the ledger processing unit 1875 generates ledger information corresponding to the withdrawal of the exchange request amount and the group exchange fee from the customer account and exchange the money, and through the predetermined interface means. Characterized in that the information transmission unit 1855 generates currency exchange response information including currency exchange result and currency withdrawal information corresponding to the currency exchange request information. It is characterized in that the transmission through the interface unit 1850 to the messenger terminal 1800.

Here, the money exchange withdrawal information is presented (or entered) by the messenger member to withdraw the money exchange processing amount from a predetermined bank window and / or financial teller and / or airport window and / or a currency exchange office and / or a travel agency. As the information, it is preferable to include a unique code (or unique number) for approving the withdrawal of the money exchange processing amount.

Referring to FIG. 18, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) And / or an external system that provides various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions). It is characterized in that it is stored in association with.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information is stored in a relational relation Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the external system of the financial system may include at least one non-face-to-face financial transaction processing function requested from the messenger banking server 1840 in association with the messenger banking server 1840 through the interface means. For example, it is preferable to include a messenger banking unit for performing a ledger inquiry, or ledger information storage.

In general, the financial system is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network), and through the window terminal. Provide face-to-face financial transaction services to at least one financial transaction customer.

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (eg, CDMA (Code Division Multiple Access) based mobile communication network, and / or IEEE 802.16x through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) and / or a global communication system (GSM) equipped with a connection and browsing function connected to the mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a System for Mobile terminal and / or a Personal Digital Assistant (PDA) and / or a Smart Phone and / or Telematics). do.

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

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

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

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

Referring to FIG. 18, the financial system is connected to the messenger banking server 1840, and the at least one messenger terminal 1800 connected to a predetermined wired / wireless communication network through the messenger banking server 1840. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

19 is a diagram illustrating a messenger member authentication process for group exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates that when a messenger program 1805 is executed (or driven) in a predetermined messenger terminal 1800 and the messenger member 1800 logs in to the predetermined messenger server 1815 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a group exchange processing service using the messenger banking through a program 1805. Specifically, messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. The case is stored in the illustrated member information D / B.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 19 to infer various implementation methods for a messenger member authentication process for group exchange using messenger banking. The present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 19, the messenger terminal 1800 shown in FIG. 18 is referred to as "terminal" for convenience, and the messenger server 1815 shown in FIG. 18 is referred to as "server" for convenience.

Referring to FIG. 19, when a predetermined messenger member executes (or drives) a messenger program 1805 included in a predetermined terminal (or automatically executes), the terminal may be connected to the messenger member 1805 through the messenger program 1805. Input the messenger account information of the server to the server (1900).

According to an embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1805 and transmitting it to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1805 further comprises the step of automatically inputting the messenger account information stored in a memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (1905).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (1910), The server generates a predetermined messenger member error result and transmits it to the terminal (1915), and correspondingly, the terminal corresponds to at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 1805. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (1910), the server The messenger banking subscription information associated with the messenger account information is read to determine whether the messenger member is registered as a messenger banking customer through the messenger banking information registration system shown in FIGS. 1 and / or 6 (1920).

According to an embodiment of the present invention, the server is processed in association with the messenger account information to confirm messenger banking subscription information stored in the member information D / B, whereby the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether a user is registered as a messenger banking customer through a messenger banking information registration system.

If the messenger member is not subscribed as a messenger banking customer (1925), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 1805 through the messenger program 1805). Generate and transmit information to the terminal (1930), and correspondingly, the terminal corresponds to at least one or more messenger functions (e.g., text chat, voice chat, video chat) provided in the messenger program 1805. , Message exchange, file exchange, mailing, friend search, etc.) (1935).

On the other hand, if the messenger member is subscribed as a messenger banking customer (1925), the server may perform the messenger member authentication result including the messenger account information (e.g., the messenger member uses at least one messenger program through the messenger program 1805). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 1840 (1940), and the messenger banking server 1840 transmits the messenger member authentication result to a predetermined storage medium 1880. (1945).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1840 may be received when the group exchange processing request using at least one messenger banking is requested from the terminal to the messenger banking server 1840. It is preferably used as information for authenticating a member's validity.

The messenger member authentication result stored in the messenger banking server 1840 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 1840. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Subsequently, the server includes the messenger banking subscription information in the messenger member authentication result and transmits the messenger banking subscription information to the terminal (1950), and the terminal corresponds to at least one messenger function (e.g., provided in the messenger program 1805). , Text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.) and the messenger banking function provided in the messenger program 1805 based on the messenger banking subscription information. Activate (1955).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1840 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1805 may include: when the messenger program 1805 includes a predetermined messenger banking icon and / or messenger banking menu, And activating the messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1805 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1805, and / or A messenger program 1805 included in at least one other terminal associated with the messenger program 1805, and / or at least one server associated with the messenger program 1805 (eg, the messenger server shown in FIG. 18). (1815), or when the group exchange processing request using the messenger banking is requested from the messenger banking server 1840, etc., it is activated to perform the requested exchange process.

20 is a diagram illustrating a messenger member authentication process for group exchange processing using messenger banking according to another embodiment of the present invention.

In more detail, FIG. 20 illustrates that when a messenger program 1805 is executed (or driven) in a predetermined messenger terminal 1800 and the messenger member logs in to the predetermined messenger server 1815 shown in FIG. 1 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. As a messenger member authentication process for activating to provide a group exchange processing service using the messenger banking through a program 1805, a process of confirming whether the messenger member is a messenger banking customer is specifically described with reference to FIGS. 1 and / or 6. Processing in connection with the storage medium 1880 on the messenger banking information registration system shown in FIG. As for the storage medium (1880) is considered to be provided in a banking server, the IM 1840 as shown in the figure 18.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to infer various implementation methods for a messenger member authentication process for group exchange processing using messenger banking. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 20 so that the storage medium 1880 provides a non-face-to-face messenger banking service to the customer. When stored in the ledger D / B, and / or in a predetermined database associated with the ledger D / B, various implementation methods to determine whether the messenger member is a messenger banking customer in connection with the storage medium (1880) It will be inferred that, the present invention is characterized in that it comprises all the implementation methods inferred.

Hereinafter, in FIG. 20, the messenger terminal 1800 shown in FIG. 18 is referred to as a "terminal" for convenience, and the messenger server 1815 shown in FIG. 18 is referred to as a "server" for convenience.

Referring to FIG. 20, when a predetermined messenger member executes (or drives) a messenger program 1805 included in a predetermined terminal (or automatically executes), the terminal may be connected to the messenger member through the messenger program 1805. Input the messenger account information of the server to the server (2000).

According to an embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 1805 and transmitting it to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 1805 further comprises the step of automatically inputting the messenger account information stored in a memory provided in the terminal.

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (2005).

If the validity of the messenger member is not authenticated through the messenger account information (eg, if the messenger account information received from the terminal does not match the messenger account information stored in the member information D / B) (2010), the The server generates a predetermined messenger member error result and transmits it to the terminal (2015), and correspondingly, the terminal corresponds to at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 1805. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (for example, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2010), the server The messenger banking is generated by generating the messenger member authentication result including the messenger account information (for example, information for authenticating that the messenger member is a valid member capable of receiving at least one messenger service through the messenger program 1805). The message banking server checks whether the messenger account information matched with the messenger account information is stored in the storage medium 1880. And / or as a messenger banking customer through the messenger banking information registration system shown in FIG. Make sure the Mouth (2025).

According to an embodiment of the present invention, when the messenger banking server 1840 determines that messenger account information matched with the messenger account information is stored in the storage medium 1880, the messenger member is shown in FIG. 1 and / or FIG. It is preferable to check whether the user is subscribed as a messenger banking customer through the messenger banking information registration system shown in FIG.

If the messenger member is not subscribed as a messenger banking customer (2030), the messenger banking server 1840 generates messenger banking non-subscription information for the messenger account information and transmits the messenger banking information to the server (2035).

Thereafter, the server generates the messenger member authentication result (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1805) and transmits the same to the terminal. In response thereto, the terminal performs at least one or more messenger functions (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1805. Activate (2045).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2030), the messenger banking server 1840 may perform at least one messenger service through the messenger member authentication result (eg, the messenger member through the messenger program 1805). Information for authenticating that the user can be provided as a valid member) is stored in a predetermined storage medium 1880 (2050), and the messenger banking subscription information for the messenger account information is generated and transmitted to the server (2055).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1840 may be received when the group exchange processing request using at least one messenger banking is requested from the terminal to the messenger banking server 1840. It is preferably used as information for authenticating a member's validity.

The messenger member authentication result stored in the messenger banking server 1840 may include at least one non-face-to-face financial transaction when the non-face-to-face financial transaction request such as account inquiry is requested from the terminal to the messenger banking server 1840. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Subsequently, the server includes the messenger banking subscription information in the messenger member authentication result and transmits the messenger banking subscription information to the terminal (2060), and correspondingly, the terminal includes at least one messenger function provided in the messenger program (1805). For example, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) are activated, and the messenger banking function provided in the messenger program 1805 based on the messenger banking subscription information. Activate (2065).

According to another exemplary embodiment of the present invention, the messenger banking subscription information may further include unique information (or unique code) allocated by the messenger banking server 1840 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 1805 may include: when the messenger program 1805 includes a predetermined messenger banking icon and / or messenger banking menu, And enabling a messenger member to select the messenger banking icon and / or messenger banking menu.

In addition, activating the messenger banking function included in the messenger program 1805 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1805, and / or A messenger program 1805 included in at least one other terminal associated with the messenger program 1805, and / or at least one server associated with the messenger program 1805 (eg, the messenger shown in FIG. 18). When the group exchange processing request using the messenger banking is requested from the server 1815 or the messenger banking server 1840, the activation of the requested exchange processing procedure is performed.

21 illustrates a non-face-to-face financial transaction authentication process for group exchange processing using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 21 illustrates the messenger banking provided in the messenger program 1805 included in the messenger terminal 1800 after performing a messenger member authentication process as shown in FIGS. 19 and / or 20. When the function is activated, based on the activated messenger banking function to perform a non-face-to-face financial transaction authentication process for processing the face-to-face financial transactions for group exchange processing using the messenger banking, the technical features of the present invention According to this figure 21 before the non-face-to-face financial transaction authentication process is performed, the non-face-to-face financial transaction (eg, account inquiry) through the messenger member authentication result shown in FIGS. 19 and / or 20 as shown in FIG. And the like) will be further illustrated and described.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 21 to infer various implementation methods for the non-face-to-face financial transaction authentication process for group exchange processing using messenger banking. As will be appreciated, the present invention includes all implementation methods inferred above, and the technical features are not limited only to the implementation method illustrated in FIG.

Hereinafter, in FIG. 21, the messenger terminal 1800 shown in FIG. 18 is referred to as "terminal" for convenience, and the messenger banking server 1840 shown in FIG. 18 is referred to as "server" for convenience.

Referring to FIG. 21, a messenger banking icon corresponding to a messenger banking function activated by a messenger member through a messenger program 1805 provided in a predetermined terminal through the process illustrated in FIG. 19 and / or FIG. 20; When the messenger banking menu is selected (2100), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program, and a predetermined non-face-to-face financial transaction authentication information input item is displayed through the user interface. Check if it is selected (2105).

According to the exemplary embodiment of the present invention, the messenger banking item selection user interface outputted through the messenger program 1805 before the non-face-to-face financial transaction authentication process is performed may correspond to at least a group exchange process using the messenger banking. Of the one or more messenger banking items, the messenger banking item that can be processed after performing the non-face-to-face financial transaction authentication process shown in FIG. 21 is preferably deactivated.

For example, the messenger banking item selection user interface output through the messenger program 1805 before the non-face-to-face financial transaction authentication process is performed may include a predetermined non-face-to-face financial transaction authentication information input item and the figures 19 and / or It is preferable that only the messenger banking items corresponding to the non-facial non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 20 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (2110), the terminal may not process the non-face-to-face non-face-to-face that can be processed only by the messenger member authentication results shown in FIGS. 19 and / or 20. In operation 2115, it is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected.

If an account inquiry-based messenger banking item corresponding to a non-face-to-face non-face-to-face financial transaction that can be processed only by the new member authentication result is not selected through the user interface (2120), the terminal provides a predetermined non-face-to-face through the user interface. The process of checking whether the financial transaction authentication information input item is selected is repeated.

On the other hand, if an account inquiry-based messenger banking item corresponding to a non-face-to-face non-financial transaction that can be processed only by the result of the new member authentication is selected through the user interface (2120), the terminal is based on the account inquiry as shown in FIG. Perform IM banking procedure.

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (2110), the terminal outputs at least one non-face-to-face financial transaction authentication information input user interface through the messenger program 1805, In operation 2125, at least one non-face-to-face financial transaction authentication information is input through the user interface.

Here, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

If at least one non-face-to-face financial transaction authentication information is input through the user interface (2130), the terminal is input through the process shown in FIGS. 19 and / or 20 through the messenger program 1805. The messenger account information and at least one non-face-to-face financial transaction authentication information input through the user interface are transmitted to the server (2135).

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 19 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server based on the messenger account information through the process shown in FIGS. 19 and / or 20, thereby transmitting the non-face-to-face financial transaction authentication information. Validate for (2140).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2145), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (2150). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2155).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2145), the server exchanges the messenger banking customer (or group exchange processing using the messenger banking) through the non-face-to-face financial transaction authentication information. Validate for (2160).

When the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received from the terminal, the server receives the received messenger banking ID / PW information and the storage medium 1880. By comparing the ID / PW information for messenger banking included in the customer information stored in the terminal, validity of the messenger banking customer and / or confidentiality, authentication, integrity, and non-repudiation of the group exchange processing using the messenger banking. It is desirable to secure.

In addition, non-face-to-face finance including information encrypted from the terminal through at least one encryption key (for example, a symmetric key, a public key, or a private key, etc.) included in the authentication certificate provided in the messenger terminal 1800. When the transaction authentication information is received, the server decrypts through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key, thereby validating the messenger banking customer, and It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the group exchange processing using the messenger banking.

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received from the terminal, the server receives the received security card information and the storage medium 1880. By comparing the security card information included in the customer information stored in c), it is possible to secure the validity of the messenger banking customer and / or to secure confidentiality, authentication, integrity and non-repudiation of the group exchange processing using the messenger banking. desirable.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer is received from the terminal, the server includes the customer information stored in the customer information stored in the storage medium 1880. By generating a predetermined OTP code based on the OTP code generation information, and comparing the generated OTP code and the received OTP code, validating the messenger banking customer, and / or group exchange processing using the messenger banking It is desirable to ensure confidentiality, authentication, integrity, and nonrepudiation.

If the validity of the messenger banking customer (or group exchange processing using the messenger banking) is not authenticated through the non-face-to-face financial transaction authentication information (2165), the server may provide predetermined non-face-to-face financial transaction authentication error result information. The terminal generates and transmits the message to the terminal (2150). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2155).

On the other hand, if the validity of the messenger banking customer (or group exchange processing using the messenger banking) is authenticated through the non-face-to-face financial transaction authentication information (2165), the server generates predetermined non-face-to-face financial transaction authentication approval result information. And transmits to the terminal (2170), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (2175), and the activated messenger banking item is group exchange using messenger banking. It is preferable to include a processing item.

22 illustrates a non-face-to-face financial transaction process based on a messenger member authentication result according to an embodiment of the present invention.

More specifically, FIG. 22 illustrates a non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIGS. 19 and / or 20 during the non-face-to-face financial transaction authentication process shown in FIG. 21. If the corresponding account inquiry-based messenger banking item is selected, the process for processing the non-face-to-face financial transaction corresponding to the account inquiry-based messenger banking item, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 22, it is possible to infer implementation methods for various non-face-to-face financial transaction processes based on messenger member authentication results, but the present invention includes all the implementation methods inferred above, The technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 22, the messenger terminal 1800 shown in FIG. 18 is referred to as "terminal" for convenience, and the messenger banking server 1840 shown in FIG. 18 is referred to as "server" for convenience.

Referring to FIG. 22, during the non-face-to-face financial transaction authentication process shown in FIG. 21, the non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIG. 19 and / or FIG. When the account inquiry based messenger banking item is selected, the terminal generates predetermined messenger-related account inquiry request information including the messenger account information through the messenger program 1805 (2200), and the messenger program 1805. In step 2205, the IM-related account inquiry request information is transmitted to the server.

According to another embodiment of the present invention, instead of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 19 and / or FIG. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server based on the messenger account information through the process shown in FIGS. 19 and / or 20, thereby transmitting the non-face-to-face financial transaction authentication information. Check the validity for (2210).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2215), the server generates predetermined messenger linked account inquiry error information and transmits it to the terminal (2220). The terminal outputs the messenger linked account error information through the messenger program 1805 (2225).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2215), the server is stored in the storage medium 1880 through messenger account information included in the messenger linked account inquiry request information. The predetermined messenger linked account information is checked (2230), and is processed to query the messenger linked account ledger in association with the financial system shown in FIG.

If the messenger linked account ledger inquiry is completed through the financial system (2240), the server generates a predetermined messenger linked account inquiry result corresponding to the messenger linked account inquiry request in association with the financial system (2245). After generating predetermined messenger linked account inquiry result information including the messenger linked account inquiry result (2250), the generated messenger linked account inquiry result information is transmitted to the terminal (2255), and correspondingly, the terminal. In operation 2260, the messenger program 1805 outputs the received messenger linked account inquiry result information through the messenger program 1805.

23 is a diagram illustrating an information registration process for group exchange processing using messenger banking according to an embodiment of the present invention.

In more detail, in FIG. 23, after the non-face-to-face financial transaction authentication process is performed through the process illustrated in FIG. 21, the non-face-to-face financial transaction authentication approval result information is provided by the messenger program 1805 included in the messenger terminal 1800. A method for processing information registration for group exchange processing using messenger banking based on the activated messenger banking-based group exchange registration item when the messenger banking-based group exchange registration item is activated. Specifically, a user who inputs currency exchange processing information including at least one of customer account information, account password, currency exchange request amount information, and currency exchange currency information through the messenger program 1805 in the messenger terminal 1800 illustrated in FIG. 18. To an implementation method for processing the above-mentioned wire transfer financial transaction based on an interface to be.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 23 to infer various implementation methods for the information registration process for group exchange processing using messenger banking. Is made including all the inferred implementation methods, the technical features are not limited only to the implementation method shown in FIG.

23, the messenger terminal 1800 shown in FIG. 18 is referred to as a "terminal" for convenience, and the messenger banking server 1840 shown in FIG. 18 is referred to as a "server" for convenience.

Referring to FIG. 23, a messenger banking icon corresponding to a messenger banking function activated by a messenger member through a messenger program 1805 provided in a predetermined terminal through the process shown in FIG. 19 and / or FIG. When the messenger banking menu is selected (2300), the terminal approves the non-face-to-face financial transaction authentication information through the non-face-to-face financial transaction authentication process through the process illustrated in FIG. 21 through the messenger program 1805. Check whether or not (2305).

If the non-face-to-face financial transaction authentication information is not approved (2310), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. 21, and displays the user interface. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (2310), the terminal outputs the non-face-to-face financial transaction authentication-based messenger banking item selection user interface through the messenger program 1805, and outputs the user interface. In operation 2315, it is checked whether a predetermined messenger banking-based group exchange registration item is selected.

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined messenger banking-based group exchange registration item is selected through the user interface (2320), the terminal generates group exchange registration request information including the group exchange amount through the messenger program 1805 (2325). ).

Here, the group exchange amount included in the group exchange registration request information includes a total amount of money exchanged by at least two messenger members included in the messenger banking-based exchange group exchange through the messenger banking-based group exchange. By calculating the group exchange fee cheaper than the conventional exchange fee in the server is characterized in that for applying to the banking based messenger banking group exchange.

According to an embodiment of the present invention, the group exchange registration request information further comprises at least two or more messenger account information included in the messenger banking-based exchange group, and / or each messenger corresponding to the messenger account information. It is possible to further include the exchange request amount information for each member, whereby the present invention is not limited.

Thereafter, the terminal transmits the group exchange registration request information to the server through the messenger program 1805 (2330).

According to an exemplary embodiment of the present invention, the group exchange registration request information is transmitted to the server by attaching and / or encrypted a predetermined electronic signature through a messenger banking module 1810 provided in the terminal. Preferably, the server decrypts the group exchange registration request information and checks the attached electronic signature. If the person having ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features, a detailed description thereof will be omitted for convenience.

Thereafter, the server calculates a group exchange fee that is lower than a conventional exchange fee based on the group exchange amount included in the group exchange registration request information from the storage medium 1880 (2335), and belongs to the messenger banking-based exchange group. After generating a predetermined group exchange unique code (or unique number) for identifying a messenger member (2340), the group exchange unique code (or unique number) and the group exchange fee is processed in association with a predetermined group exchange D / D. Stored in B (1885) (2345).

When the group exchange unique code (or unique number) and the group exchange fee are processed in association with each other and stored in a predetermined group exchange D / B (1885) (2345), the server exchanges the group exchange unique code (or unique number) and the Generate group exchange registration response information including a group exchange fee (2350), and transmit the generated group exchange registration response information to the terminal (2355), and then a messenger member belonging to the messenger banking-based exchange group is included in the group. The group exchange fee is exchanged through the group exchange fee based on predetermined group exchange information including a unique exchange code (or a unique number).

24A, 24B, and 24C illustrate a group exchange processing process using messenger banking according to an embodiment of the present invention.

24A, 24B, and 24C are described in detail, after the non-face-to-face financial transaction authentication process is performed through the process illustrated in FIG. 21, the non-face-to-face is met by the messenger program 1805 included in the messenger terminal 1800. When the messenger banking-based currency exchange processing item is activated among the messenger banking items corresponding to the financial transaction authentication approval result information, the present invention relates to a process of processing group exchange processing using messenger banking based on the activated messenger banking-based currency exchange processing item. Specifically, in the messenger terminal 1800 shown in FIG. 18, through the messenger program 1805, the customer account information, the account password, the exchange request amount information, the currency exchange money information, and the group exchange registration process shown in FIG. Exchange including at least one group exchange information including a registered group exchange unique code (or unique number) The present invention relates to a method for processing the bank transfer financial transaction based on a user interface for inputting preprocessing information.

Those skilled in the art will be able to infer various implementation methods for the group exchange processing process using messenger banking by referring to and / or modifying the drawings 24a, 24b, and 24c. The present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIGS. 24A, 24B, and 24C.

24A, 24B, and 24C, the messenger terminal 1800 shown in FIG. 18 is referred to as " terminal " for convenience, and the messenger banking server 1840 shown in FIG. 18 is referred to as " server " .

24A, 24B, and 24C, a messenger banking function is activated through a process shown in FIGS. 19 and / or 20 through a messenger program 1805 provided in a predetermined terminal. When the corresponding messenger banking icon and / or messenger banking menu is selected (2400), the terminal performs the non-face-to-face financial transaction authentication process through the process shown in FIG. 21 through the messenger program 1805. It is checked whether the transaction authentication information is approved (2405).

If the non-face-to-face financial transaction authentication information is not approved (2410), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program as shown in FIG. 21, and displays the user interface. Through the process of authenticating the non-face-to-face financial transaction authentication information.

On the other hand, if it is confirmed that the non-face-to-face financial transaction authentication information is approved (2410), the terminal outputs the non-face-to-face financial transaction authentication-based messenger banking item selection user interface through the messenger program 1805, and displays the user interface. In operation 2415, it is determined whether a predetermined messenger banking-based currency exchange item is selected.

According to the implementation method of the present invention, the non-face-to-face financial transaction authentication-based messenger banking items, all kinds of non-financial services that can be provided through the financial system, such as account transfer, payment, exchange, bill payment and financial product investment using the messenger It is desirable to include face-to-face financial transactions.

If a predetermined messenger banking-based currency exchange item is selected through the user interface (2420), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 1805 (2425). ).

According to another embodiment of the present invention, in place of the messenger account information, predetermined unique information (or unique code) assigned by the server to identify the messenger banking customer in the process shown in FIG. 19 and / or FIG. ) May be included, and the present invention is not limited thereto.

Thereafter, the terminal transmits the messenger linked account information request information to the server through the messenger program 1805 (2430).

According to the exemplary embodiment of the present invention, the messenger linked account information request information is transmitted to the server by attaching and / or encrypting a predetermined electronic signature through the messenger banking module 1810 provided in the terminal. Correspondingly, the server decrypts the messenger linked account information request information and confirms the attached electronic signature. If the person has ordinary knowledge in the technical field to which the present invention belongs, the encryption / decryption function and the electronic signature function Since it will be familiar with the technical features of, a detailed description thereof will be omitted for convenience.

Thereafter, the server checks the predetermined messenger linked account information stored in the storage medium 1880 through messenger account information included in the messenger linked account information request information from the storage medium 1880 and the messenger linked account. Information is transmitted to the terminal (2435).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 1 and / or 6 is one, or the messenger shown in FIGS. 1 and / or 6 When the messenger linked account information registered through the banking information registration system is included in the messenger program 1805 (or messenger banking module 1810), the terminal requests the messenger linked account information from the terminal, Correspondingly, the process of checking the messenger linked account information in the server and transmitting the information to the terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal selects predetermined customer account information from the received messenger linked account information through the messenger program 1805, and an account password for approving the exchange process through the money deposited in the customer account, and a currency exchange request. Outputting currency exchange information input user interface including at least one group exchange information including amount information, currency exchange money information and a group exchange unique code (or unique number) registered in the group exchange registration process shown in FIG. (2440), through the messenger program 1805, the exchange processing information including at least one of the customer account information, the account password, the exchange request amount information, and the currency exchange information is input based on the currency exchange information input user interface; Confirm (2445).

At least group exchange information including the customer account information, the account password, the exchange request amount information, the currency exchange closing information, and the group exchange unique code (or unique number) registered in the group exchange registration process shown in FIG. When the exchange processing information including one or more is input (2450), the terminal through the messenger program 1805, the messenger account information and currency exchange processing information (e.g., customer account information, account password, money exchange request amount information and currency exchange) Exchange exchange request information including information, and group exchange information including a group exchange unique code (or a unique number) registered in the group exchange registration process shown in FIG. 23 (2455), and the messenger program ( The at least one non-face-to-face financial transaction authentication information is included in the generated currency exchange processing request information through 1805. The burrow transmission (2460).

Here, the exchange request amount information included in the exchange processing information includes the amount of money information to be converted into at least one foreign currency among the amounts deposited in the customer account, the currency exchange information included in the exchange processing information Preferably, the exchange request information includes information specifying at least one foreign currency to exchange money.

In addition, the non-face-to-face financial transaction authentication information is issued to the messenger banking customer for messenger banking ID / PW information, and / or certificate information, and / or non-face-to-face financial transactions for non-face-to-face financial transactions using the messenger At least one predetermined security card information, and / or at least one OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions.

According to an embodiment of the present invention, the exchange processing request information is preferably transmitted to the server by attaching and / or encrypted a predetermined electronic signature through a messenger banking module 1810 provided in the terminal. Preferably, the server decrypts the exchange processing request information and checks an attached electronic signature, and a person having ordinary knowledge in the technical field to which the present invention belongs includes technical features of the encryption / decryption function and the electronic signature function. Since it will be familiar with, detailed description thereof will be omitted for convenience.

According to the exemplary embodiment of the present invention, the process of transmitting the exchange processing request information to the server through the messenger program 1805 is performed through one communication transaction or at least two communication transactions. All of them are possible, and this invention is not limited.

Thereafter, the server verifies the validity of the non-face-to-face financial transaction authentication information included in the currency exchange request information (2465).

According to an embodiment of the present invention, the currency exchange request information may include messenger banking ID / PW information, and / or authorized certificate information, and / or a predetermined security card issued to the messenger banking customer for non-face-to-face financial transactions. It may be received by the server including non-face-to-face financial transaction authentication information including at least one of information, and / or an OTP code generated through the OTP generator provided to the messenger banking customer for non-face-to-face financial transactions. In response, the server preferably performs a validity authentication procedure for at least one non-face-to-face financial transaction authentication information included in the exchange request information.

According to an embodiment of the present invention, if the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is included in the exchange processing request information, the server receives the received messenger banking ID / PW information and the message. By comparing the messenger banking ID / PW information included in the customer information stored in the storage medium 1880, the validity of the messenger banking customer and / or the confidentiality, authentication, and integrity of the non-face-to-face banking using the messenger. And non-repudiation.

The currency exchange request information may include information encrypted through at least one encryption key (eg, a symmetric key, a public key, or a private key) included in an authorized certificate included in the messenger terminal 1800. When the non-face-to-face financial transaction authentication information is included and received, the server decrypts the data through a predetermined decryption key (eg, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is desirable to ensure validity, and / or confidentiality, authentication, integrity, and nonrepudiation for non-face-to-face banking using the messenger.

In addition, when the exchange request information is received non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer, the server and the received security card information By comparing the security card information included in the customer information stored in the storage medium 1880, validity authentication of the messenger banking customer, and / or confidentiality, authentication, integrity and non-repudiation of non-face-to-face banking using the messenger It is desirable to secure.

In addition, when the exchange request information received non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer, the server is stored in the storage medium (1880) By generating a predetermined OTP code based on the OTP code generation information included in the information, and comparing the generated OTP code and the received OTP code, the validity of the messenger banking customer, and / or the messenger It is desirable to ensure confidentiality, authentication, integrity and nonrepudiation of the non-face to face banking used.

If the validity of the non-face-to-face financial transaction authentication information is not confirmed (2470), the server generates a messenger banking based exchange exchange error error result corresponding to the group exchange processing using the messenger banking (2475), and generates the generated Generating predetermined exchange processing response information including messenger banking-based exchange processing error result is transmitted to the terminal (2480), and correspondingly, the terminal is included in the exchange processing response information through the messenger program 1805. The messenger banking based exchange processing error result is outputted (2498).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (2470), the server through the process shown in Figures 19 and / or 20 through the messenger account information included in the exchange request information; By reading the messenger member authentication result stored in the server, the validity of the messenger member who transmitted the non-face-to-face financial transaction authentication information is checked (2485).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2486), the server generates a messenger banking based exchange exchange error result corresponding to the group exchange processing using the messenger banking (2475). ), The predetermined exchange processing response information including the generated messenger banking based exchange processing error result is generated and transmitted to the terminal (2480), and correspondingly, the terminal processes the exchange through the messenger program 1805; The messenger banking based exchange processing error result included in the response information is output (2498).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (2486), the server exchanges the exchange request information based on the exchange request amount information and the currency exchange information included in the exchange request information. Check the exchange rate for the currency exchange information at the time of receipt (2487), and also from the predetermined group exchange D / B (1885) group exchange unique code (or unique code corresponding to the group exchange information included in the exchange processing request information) After extracting a predetermined group exchange fee corresponding to the number) (2488), the exchange rate processing amount information corresponding to the currency exchange money information is calculated (2489) from the exchange request amount information through the confirmed exchange rate.

Thereafter, the server performs a messenger banking-based exchange processing procedure for the exchange request amount included in the exchange processing request information through the received exchange processing request information and the calculated exchange processing amount (2491).

According to an embodiment of the present invention, it is preferable that the server checks the account ledger corresponding to the customer account information to confirm whether an amount corresponding to the money exchange request amount is deposited in the customer account, and / or the customer. It is preferable to check the validity of the account password by inquiring the account ledger corresponding to the account information.

According to an exemplary embodiment of the present invention, the server sets a lock on the money exchange request amount and the group money exchange fee corresponding to the group money exchange fee from the customer account, and the currency exchange processing calculated in response to the money exchange request amount among the locked amounts. The amount is withdrawn through banks and / or automated teller machines and / or airport counters and / or currency exchanges and / or travel agencies, and the amount corresponding to the group exchange fee is set at a predetermined financial institution's account (e.g., group Money exchange fee is deposited into a financial institution account), whereby the messenger member exchanges the money through a bank window and / or an automated teller machine and / or an airport window and / or a currency exchange office and / or a travel agency. The processing amount can be withdrawn.

According to another exemplary embodiment of the present invention, the server withdraws an amount corresponding to the exchange request amount and the group exchange fee from the customer account, and the currency exchange processing calculated corresponding to the exchange request amount from the withdrawn amount. The money is set to withdraw the money exchange amount corresponding to the money exchange money information through a predetermined money exchange account (e.g., a bank teller and / or an automated teller machine and / or an airport teller and / or an exchange office and / or a travel agency). And deposit the amount corresponding to the group exchange fee into a predetermined financial institution mother account (eg, a financial institution account to which the group exchange fee is deposited). The messenger member is required to open bank counters and / or financial automated devices and / or airport counters and / or currency exchanges and / or travel agencies. It is possible to exchange processing amount corresponding to the money exchange information to withdrawal.

Thereafter, the server performs a ledger processing process for converting the exchange request amount into the calculated exchange rate processing amount.

Those skilled in the art to which the present invention belongs, will be familiar with the technical features of the ledger processing process to withdraw the exchange request amount and group exchange fee from the customer account to exchange money, detailed description thereof Is omitted for convenience.

If a predetermined error occurs while processing the messenger banking-based currency exchange process corresponding to the currency exchange request information (2492), the server returns a messenger banking-based currency exchange error result corresponding to the group currency exchange process using the messenger banking. Generating (2475), generating predetermined exchange processing response information including the generated messenger banking based exchange processing error result, and transmitting the same to the terminal (2480); correspondingly, the terminal transmits the messenger program (1805). The messenger banking-based exchange processing error result included in the exchange processing response information is outputted (2498).

On the other hand, if the messenger banking-based currency exchange process corresponding to the exchange request information is successfully processed (2492), the server generates predetermined ledger information corresponding to the bank transfer financial transaction process (2493), and as shown in FIG. In operation 2494, the ledger information generated in response to the account transfer financial transaction processing is stored in the ledger D / B on the financial system in association with the illustrated financial system.

In the technical field to which the present invention pertains, technical features for storing the ledger information generated by the server in response to the bank transfer financial transaction processing and the ledger information in the ledger D / B on the financial system. Since it will be familiar with, detailed description thereof will be omitted for convenience.

If the ledger information generated in response to the account transfer financial transaction processing is stored in the ledger D / B on the financial system (2495), the server generates a messenger banking based currency exchange processing result corresponding to the group exchange processing using the messenger banking. And generate currency exchange withdrawal information (2496), generate predetermined currency exchange response information including the generated messenger banking-based currency exchange processing result and currency withdrawal information, and transmit it to the terminal (2497). The messenger program 1805 outputs the messenger banking-based currency exchange processing result and currency exchange withdrawal information included in the currency exchange response information (2498).

Here, the money exchange withdrawal information is presented (or entered) by the messenger member to withdraw the money exchange processing amount from a predetermined bank window and / or financial teller and / or airport window and / or a currency exchange office and / or a travel agency. As the information, it is preferable to include a unique code (or unique number) for approving the withdrawal of the money exchange processing amount.

According to the present invention, when a messenger member logs in to a messenger server through a messenger program, by providing a messenger member authentication result of the messenger server to a messenger banking server, the messenger banking customer can be easily authenticated to perform non-face-to-face messenger banking. There is an advantage of providing a currency exchange service through.

According to the present invention, by merging messenger member authentication of the messenger server and messenger-based non-face-to-face financial transaction authentication, an advantage of providing a currency exchange service through non-face-to-face messenger banking based on high security using the messenger is provided. There is this.

Claims (5)

Co-processing the messenger account information of the messenger banking customer, the at least one non-face-to-face financial transaction authentication information, and the messenger linked account information in a predetermined financial company server and storing the messenger account information in a predetermined storage medium; In the predetermined messenger terminal, the exchange account request information including the exchange target customer account information, the account password, the exchange request amount information, the currency exchange money information, and the messenger account information and the at least one non-face-to-face financial transaction authentication information may be used. Generating and transmitting to a predetermined financial institution server; The financial company server authenticates the validity of the messenger banking customer through the messenger account information included in the currency exchange request information in association with the storage medium (or storage medium operating means), and at least one or more included in the currency exchange request information. Authenticating validity of utility bill payment using the messenger banking through non-face-to-face financial transaction authentication information; When the messenger banking customer validity and currency exchange validity are authenticated, the exchange company exchanges the money exchange currency information at the time when the exchange request information is received based on the exchange request amount information and the currency exchange information included in the exchange request information. Checking an exchange rate and calculating exchange rate processing amount information corresponding to the currency exchange money information from the exchange request amount information through the exchange rate; And Setting a lock on the money exchange request amount in the customer account at the financial company server, and cooperatively processing the money exchange money information and money exchange processing money information and storing the money in a predetermined storage medium; Currency exchange method using. The method of claim 1, In the financial company server, the messenger banking customer presents (or inputs) the withdrawal amount to the currency exchange money at a predetermined bank teller and / or financial teller and / or airport teller and / or exchange office and / or travel agency. Generating money exchange information including a unique code (or a unique number); And And generating, by the financial company server, currency exchange response information including the currency exchange result and the currency withdrawal information and transmitting the generated currency exchange response information to the messenger terminal. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for receiving predetermined currency exchange request information from a customer messenger execution terminal; And And a means for performing the currency exchange process using an account associated with the customer messenger account. The method of claim 1, Currency exchange response information including a unique code (or unique number) presented (or entered) by the bank and / or the automated teller machine and / or the airport counter and / or the exchange office and / or the travel agency for the withdrawal of the currency exchange amount Currency exchange processing system using a messenger, characterized in that it further comprises means for transmitting to the messenger terminal.

Images