KR20080036368A - System and method for linking online account and messenger banking and program recording medium - Google Patents

Abstract

A system and a method for linking an online account with a messenger banking service, and a program recording medium for the same are provided to process a part of financial transaction before confirming a real name by applying a rechargeable prepaid card method to the online account. A client terminal device is connected with an online account management server(900). An interface providing unit(910) creates a specified user interface to be offered to the client terminal device. An information receiving unit(915) receives a predetermined prepaid card use information and PIN or client terminal device information by interacting with an interface unit(905). An authentication processing unit(920) authenticates non-facing financial transaction about the online account through the PIN and the client terminal device information. An online account management unit(925) processes at least one financial transaction. A ledger processing unit(930) records usage details of the prepaid card as financial transaction details in a ledger prepared in the financial system.

Description

System and Method for Linking Online Account and Messenger Banking and Program Recording Medium}

1 is a diagram illustrating an online account processing system for operating in the form of an online account opening and a rechargeable prepaid card corresponding to one side of the present invention.

FIG. 2 is a diagram illustrating the structure of information on a new ledger for temporary processing of operating an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

FIG. 3 is a diagram illustrating a structure of information of a general ledger for false information processing for opening an online account and operating in the form of a rechargeable prepaid card according to another embodiment of the present invention.

FIG. 4 is a diagram illustrating the provision of new provision processing information and a rechargeable prepaid card information for the provision of a new account operating in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

5 is a diagram illustrating an information providing process for opening a new account and processing a new account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

6 is a diagram illustrating an information providing process for processing a new account in the form of an online account opening and a rechargeable prepaid card according to another embodiment of the present invention.

7 is a diagram illustrating a process of processing an online account (or a new account) as a rechargeable prepaid card according to an embodiment of the present invention.

8 is a diagram illustrating a real name verification process for an online account (or a provisional account) according to an embodiment of the present invention.

9 is a diagram showing the configuration of an online account management system corresponding to one side of the present invention.

10 is a diagram illustrating a process of interworking with messenger banking while operating an online account (or a provisional account) according to an embodiment of the present invention.

11 is a diagram illustrating a process of linking an online account (or a new account) and messenger banking according to an embodiment of the present invention.

12 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face financial transactions using a messenger corresponding to the other side of the present invention.

FIG. 13 is a diagram illustrating a configuration of messenger banking information stored in a ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a non-face-to-face financial transaction using a messenger according to an exemplary embodiment of the present invention.

14 is a diagram illustrating the 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 face-to-face manner for a non-face-to-face financial transaction using a messenger according to another embodiment of the present invention. .

FIG. 15 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 a non-face-to-face financial transaction using a messenger according to another exemplary embodiment of the present invention.

16 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.

17 is a diagram illustrating a non-face-to-face messenger banking information registration system for non-face-to-face financial transactions using a messenger corresponding to the other side of the present invention.

FIG. 18 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 non-face-to-face financial transactions using a messenger according to an embodiment of the present invention.

FIG. 19 is a diagram illustrating a configuration of messenger banking information stored in a database associated with a ledger D / B provided in a DBMS on a financial system in a non-face to face manner for non-face-to-face financial transactions using a messenger according to another embodiment of the present invention. to be.

20 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 non-face-to-face financial transactions using a messenger according to another exemplary embodiment of the present invention.

21 is a diagram illustrating a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face financial transactions using a messenger according to one embodiment of the present invention.

22A and 22B illustrate a process of registering messenger banking information in a non-face to face manner for non-face-to-face financial transactions using a messenger according to another exemplary embodiment of the present invention.

FIG. 23 is a diagram illustrating a messenger banking system configuration for a financial transaction associated with an online account (or a provisional account) corresponding to another side of the present invention.

24 is a diagram illustrating a messenger member authentication process for financial transactions associated with an online account (or a new account) according to an embodiment of the present invention.

25 is a diagram illustrating a messenger member authentication process for financial transactions associated with an online account (or a provisional account) according to another embodiment of the present invention.

FIG. 26 illustrates a non-face-to-face financial transaction authentication process for financial transactions associated with an online account (or a provisional account) according to an embodiment of the present invention.

27 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.

28 illustrates a financial transaction process associated with an online account (or a provisional account) according to an embodiment of the present invention.

<Description of main parts of drawing>

900: online account management server 905: interface unit

910: interface providing unit 915: information receiving unit

920: authentication processing unit 925: online account management unit

930: ledger processing unit 935: information confirmation unit

940: information transmission unit 945: messenger banking server

950: messenger server 955: customer terminal

960: wired terminal 965: wireless terminal

The present invention provides a means for linking and processing a customer's online account information and the customer's messenger banking account information (or a second customer's messenger banking account information connected to the customer) in a predetermined storage medium and storing the customer's online account. Linking the financial transaction through the customer's messenger banking, or connecting the financial transaction through the customer's online account to the second customer's messenger banking, or connecting the customer's messenger banking to the communication banking transaction. It relates to an online account and messenger banking interworking system comprising a means for linking to an online account.

The continuous development of the information and telecommunications infrastructure has led to the sale of online financial products through Internet professional banks, which is expected to provide various financial transaction services linked to Internet portals.

On the other hand, a financial account opened at a predetermined financial institution for at least one financial transaction under the Financial Real Name Transaction and Confidentiality Act and the Concurrent Enforcement Decree (Presidential Decree No. 15744) shall be based on the real name of a financial transaction customer under the Act. Verification procedures must be followed, and not in violation of this.

However, an online financial product sold through the Internet full-time bank has the property of a non-real name account until the customer visits a bank window and confirms his / her real name, thereby making a lot of financial transactions corresponding to the online financial product before the real name verification. Includes constraints.

In addition, the development of the information and communication technology is promoting the commercialization of various types of non-face-to-face financial transaction channel, it is expected that the non-face-to-face financial transaction channel using instant messenger, one of the most personalized information and communication technology.

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 customer's online account information and the customer's messenger banking account information (or the second customer's messenger banking account information associated with the customer) is stored in a predetermined storage medium And link the financial transaction through the customer's online account to the messenger banking of the customer, or the financial transaction through the customer's online account to the messenger banking of the second customer, or the customer's messenger banking. An online account and a messenger banking interworking system and method for linking a banking financial transaction to an online account of the customer are provided.

In accordance with an embodiment of the present invention, an online account and messenger banking interworking method may include: opening a non-real name verification-based online account linked to a web service provided by the web server to at least one member in connection with a predetermined financial company server in a predetermined web server. And linking the online account information and predetermined messenger account information in the financial company server and storing the online account information in a predetermined storage medium, and requesting financial transaction information including a predetermined financial transaction amount and online account information in a predetermined terminal. Generating and transmitting the generated transaction to the financial institution server; and, when the financial institution server processes the financial transaction corresponding to the financial transaction request information, determining whether the financial transaction is not processed by the non-real name account attribute of the online account; If a transaction has not occurred, the financial institution server It characterized by comprising the step of requesting a financial transaction processing corresponding to the financial transaction request information in conjunction with the storage medium (to turn the storage medium operating means) through a real name account IM terminal corresponding to the instant messaging account information.

According to the present invention, the online account further comprises a chargeable prepaid card attribute for charging a predetermined amount.

According to the present invention, the online account may provide at least one financial transaction using a predetermined personal homepage, a financial transaction using an e-mail, or a financial transaction using a messenger.

According to the present invention, the messenger account information is a messenger account for providing a messenger banking-based financial transaction through the real name account of the member, or a messenger through a real name account of another member who receives a predetermined web service through the web server. A messenger account that provides banking-based financial transactions, or a messenger banking-based financial transaction through a real name account of the parent (or guardian, etc.) of the member (or minor, or limited-payer, or insolvency) if the member is a child At least one messenger account is provided.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described online account and messenger banking interworking method.

On the other hand, the online account and messenger banking interworking system according to the present invention, by linking the customer's online account information and the customer's messenger banking account information (or a second customer's messenger banking account information connected to the customer) by a predetermined storage Means for storing in the medium and financial transactions through the customer's online account to the client's messenger banking, or connecting financial transactions through the customer's online account to the second customer's messenger banking, or And means for linking the customer's messenger banking to a telecommunications financial transaction to the customer's online account.

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

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

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

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

1 is a diagram showing an online account processing system for operating in the form of an online account opening and a rechargeable prepaid card corresponding to one side of the present invention.

In more detail, Figure 1 provides a financial product application information for opening and operating an online account of a rechargeable prepaid card concept according to the present invention to a web server 100 through a predetermined network means at a predetermined customer terminal. By providing the financial product application information provided from the client terminal in the web server 100 to the information processing server 140 provided in a predetermined financial institution, the financial information corresponding to the financial product application information in the information processing server 140 A system configuration for processing an account (or an online account) as a false account (e.g., a new account before real name verification) and processing the false account as a rechargeable prepaid card (e.g., a prepaid card available without real name verification). For those of ordinary skill in the art to which the present invention pertains, reference to and / or modification of the drawing of FIG. Would be able to infer a variety of exemplary methods for the online account processing system configured to operate on a card type, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Referring to FIG. 1 according to an embodiment of the present invention, an online account processing system for opening an online account and operating in the form of a rechargeable prepaid card according to the present invention includes at least one member who registers at least one financial product online. An information processing server provided with at least one customer terminal and the customer terminal through a predetermined network means to receive predetermined financial product application information from the customer terminal, and to receive the received financial product application information at a predetermined financial institution. The web server 100 provided to the 140 and the web server 100 are connected through a predetermined interface means to receive the financial product application information from the web server 100, and the received financial product application Information processing server 14 for processing a financial product corresponding to the financial product application information in the name of the customer based on the information on a new basis; 0) and a financial system for operating the financial products processed by the new provisions.

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

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 185 (eg, a personal communication system (PCS) having a connection and browsing function connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or through at least one wireless terminal 185 (eg, wireless terminal 185 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip based non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

According to the present invention, a customer who wants to register a predetermined financial product online through a wire is a customer of at least one or more of a wired terminal 180 connected to a predetermined wired communication network and / or a wireless terminal 185 connected to a predetermined wireless communication network. The user accesses the web server 100 through a terminal and receives various application services provided by the web server 100.

Here, the wired terminal 180 connected to the wired communication network is a generic term for all terminal devices connected to a TCP / IP-based communication network, and includes a desktop computer connected to the TCP / IP-based communication network. / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 185 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

In addition, the web server 100 includes at least one information / content as a customer terminal including at least one of the wired terminal 180 and / or the wireless terminal 185 through the wired communication network and / or the wireless communication network. Portal server and / or search server that provides a personalized service, and / or mail service, and / or messenger service, and / or a variety of information providing services, such as a search service, and / or minihompy / blog It is preferable to comprise a.

According to the present invention, the information providing service provided by the web server 100 to the customer terminal includes at least one or more financial product information sold by the financial institution to at least one or more customers online (or requesting a new establishment). Characterized in that comprises a.

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

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

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 100 as described above, input at least one financial product application information through the user interface, and Since the features of the customer terminal corresponding to the at least one or more wired terminal 180 and / or the wireless terminal 185 to select and transmit to the web server 100 can be easily inferred, a detailed description thereof Is omitted for convenience.

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

According to an embodiment of the present invention, when the customer terminal includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 may be configured as described above. At least one information (or data) is connected to a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the customer terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when the client terminal is equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 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 customer terminal is provided with a communication program provided by the web server 100, the interface unit 105 connects the communication channel with the customer terminal based on the TCP / IP protocol, the communication program Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 105 communicates with the customer 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. .

Referring to FIG. 1, when the predetermined client terminal is connected to the web server 100 through the interface unit 105, the web server 100 interlocks with the interface unit 105. Interface providing unit 110 for generating a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) to input (or select) and transmit the financial product application information of the financial product application information to the customer terminal And, the information receiving unit 120 for receiving the predetermined financial product application information to be input (or selected) and transmitted through the user interface in the customer terminal in conjunction with the interface unit 105, and the received financial product application It is characterized in that it comprises an information relay 130 for providing information to the information processing server 140 provided in the financial institution through a predetermined interface means.

In addition, the web server 100 is connected to the interface unit 105, at least one or more of the customer terminal, a search service including at least one or more information / content, and / or a personalization service including a mini homepage / blog, and And / or a web service unit 115 for providing a web-based service including at least one or more mail services, and / or messenger services, and / or various information providing services. Those skilled in the art will be familiar with how the web server 100 provides the web-based service to at least one or more customer terminals in order to perform the functions of the portal server and / or the search server. Detailed description thereof will be omitted for convenience.

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

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

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

According to the method of the present invention, the financial product application information is a PIN (for processing at least one or more financial transactions in a non-face-to-face financial transaction corresponding to a new account opened by the financial product application information without an authorized certificate ( Personal Identification Number) and / or customer wireless terminal information, whereby the PIN and / or customer wireless terminal information is registered in the ledger on the financial system in the process of opening the new account.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 180 and / or a wireless terminal 185 connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 110 is provided. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program provided in the customer terminal, and through the interface unit 105, It is preferable to provide the user terminal with a user interface generated (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 185 connected to a predetermined wireless communication network, the interface providing unit 110 may include a browser program and / or provided in the customer terminal. Generate a predetermined user interface that can be provided by a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source D / B (shown) through the interface unit 105. It is desirable to provide the user interface extracted from the above) to the customer terminal.

According to an embodiment of the present invention, a user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal may be used by the customer to purchase (or select) a plurality of financial products. An interface for selecting at least one financial product, an interface for outputting financial product detail information such as investment period and expected return rate for the financial product and confirming that the customer has confirmed the financial product detail information; An interface for outputting the terms and conditions information corresponding to the financial instrument and inputting an interface for the customer to agree to the terms and conditions, an amount for the customer to invest (or deposit) in the financial instrument, and the customer investing in the financial instrument. Including at least one interface for entering (or selecting) customer information for From being bait it is preferred.

According to an embodiment of the present invention, in order to link an online account (or a provisional account) corresponding to the financial product application information with a predetermined messenger banking system, the predetermined financial product application information from the customer terminal in the web server 100. The user interface provided to receive (or select) a user interface is an interface for inputting (or selecting) messenger banking interworking information corresponding to messenger banking to be linked with an online account (or a new account) corresponding to the financial instrument application information. It is preferred to further comprise a.

Thereby, the customer terminal through the user interface financial product selection information for selecting at least one financial product to be purchased (or applied) by the customer of the plurality of financial products, and financial product terms corresponding to the financial product Accept (or select) consent information, financial instrument investment amount information, and financial instrument application information including at least one of the customer information and transmit the same to the web server 100 through the network means.

According to the implementation method of the present invention, the financial product application information, financial product selection information for selecting at least one or more financial products to be purchased (or applied) by the customer of a plurality of financial products, and the customer for the financial product Financial instrument verification information confirming that the financial instrument details such as investment period and expected return, etc. have been confirmed, the agreement agreement information agreeing to the terms and conditions corresponding to the financial instrument, and the customer can invest (or deposit) in the financial instrument. G) amount information and at least one customer information of the customer investing in the financial product.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal may include a password for a financial account (or an online account) corresponding to the financial product. Preferably, the device further includes an interface for inputting the same financial product security information. When the financial product security information is further included in the financial product application information, the financial product application information is encrypted using a predetermined encryption method so that the web can be used. It is preferred that it is sent to the server 100.

In addition, the user interface provided by the web server 100 to receive (or select) predetermined financial product application information from the customer terminal, the financial product application through the web server 100 confirms the financial real name It is desirable to include a new provisions terms and conditions and information about the processing period of the new provisions to specify that the processing until the new provisions and to confirm that the customer has consented to the processing of the new provisions, and preferably When the provisional processing period information is included in the terms and conditions information corresponding to the financial product, the interface where the customer agrees to the provisional processing may be omitted, and the present invention is not limited thereto.

If the user terminal in the web server 100 is provided with a user interface that agrees to the trailing process, the customer terminal includes a trail including the trailing agreement terms and the trailing period processing information through the user interface. In the case that the financial product application interface includes a user interface for inputting (or selecting) regulation application information to the web server 100 through the network means and agreeing to the provisional processing according to the intention of a person skilled in the art, The client terminal inputs (or selects) the provisional application information through the financial product application interface and transmits the information to the web server 100 through the network means.

In addition, when the customer applying for the financial product is not a conventional financial transaction member for a financial institution corresponding to the financial product (for example, at least one customer account corresponding to the financial product applying customer is opened at the financial institution. Or / or the financial product requesting customer has never processed a financial transaction with the financial institution), and inputs (or selects) predetermined financial product application information from the customer terminal in the web server 100. Preferably, the user interface provided for receiving comprises an interface for outputting financial transaction application terms and conditions for processing a financial transaction with the financial institution and confirming that the customer agrees to the financial transaction application terms. Transaction application terms are included in the terms and conditions information corresponding to the financial instrument, and / or If the financial transaction request is to be processed in real name confirmation process for the instrument, the interface to the customer to apply for the financial institution and the financial transaction is possible to be omitted and to which the present invention is not limited.

If the user terminal for the financial transaction application is provided from the web server 100 to the customer terminal, the customer terminal inputs (or selects) the financial transaction application information through the user interface through the network means. When the user interface for the financial transaction application is included in the financial product application interface according to the intention of a person skilled in the art, the client terminal transmits the financial transaction application information to the web server 100 through the financial product application interface. Input (or select) to the web server 100 via the network means.

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

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

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

In accordance with an embodiment of the present invention, the financial product application information is processed and opened through the online account processing system shown in FIG. 1 to open the online account (or a new account) linked to a predetermined messenger banking system. To this end, it is preferable that the mobile device further comprises messenger banking interworking information corresponding to the messenger banking to be linked with the online account corresponding to the financial product application information.

According to an embodiment of the present invention, when the financial product applying customer and the messenger banking customer are the same, the messenger banking interworking information may be set by the financial product applying customer (or messenger banking customer) as shown in FIGS. 12 and / or 17. It is preferable to include at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system.

Thereby, a predetermined amount of money is charged (or charged) from the real name account corresponding to the messenger banking to the online account (or false account) corresponding to the financial product application information, or the online account (or false account). When a restriction due to non-real name occurs in at least one financial transaction process corresponding to, the financial transaction corresponding to the online account (or a new account) may be processed through the real name account corresponding to the messenger banking.

According to another embodiment of the present invention, the customer who applies for the financial product is a child (or a minor, or a limited deceased person, or a deceased person), and the messenger banking customer on the messenger banking system associated with the online account (or false account). In the case of the parent (or guardian) of the child (or minor, or limited deceased, or banned person), the messenger banking interworking information may be obtained by the parent (or guardian) of the customer applying for the financial instrument in FIGS. 12 and / or 17. At least one messenger account information and / or messenger linked account information registered through the illustrated messenger banking information registration system is preferably included.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the parent (or guardian) corresponding to the messenger banking to the online account (or a new account) corresponding to the financial product application information, or the online In the case of at least one financial transaction corresponding to an account (or a provisional account), if the restriction due to non-real name occurs, the online account (or a provisional account) is provided through the real name account of the parent (or guardian) corresponding to the messenger banking. Financial transactions corresponding to

According to another exemplary embodiment of the present invention, the financial product application customer and the messenger banking customer include at least one or more web services (eg, mini homepages / blogs) provided through a web service unit provided in the web server 100. When linked through a personalization service, and / or a mail service, and / or a messenger service, for example, a mini homepage relationship, the messenger banking interworking information is transmitted to the financial product application customer and the web server 100. Messenger account information and / or messenger linked account information registered by the messenger member linked through at least one web service provided through the provided web service unit through the messenger banking information registration system shown in FIGS. 12 and / or 17 It is preferable to comprise at least one or more.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the messenger member corresponding to the messenger banking to the online account (or a temporary account) corresponding to the financial product application information, or the online account (or a trail). In the case of at least one financial transaction corresponding to a specific account), when a restriction due to non-real name occurs, the financial transaction corresponding to the online account (or a new account) through the real name account of the messenger member corresponding to the instant messenger banking. Can be processed.

The information receiving unit 120 inputs (or selects) predetermined financial product application information through the user interface at the customer terminal and transmits the information through the network means. The financial product application unit interoperates with the interface unit 105. Characterized in that it receives the information, the received financial product application information is provided to the information relay 130 and / or information storage unit 125.

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

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

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

According to the method of the present invention, the financial product application information is a PIN (for processing at least one or more financial transactions in a non-face-to-face financial transaction corresponding to a new account opened by the financial product application information without an authorized certificate ( Personal Identification Number) and / or customer wireless terminal information is preferably further included.

The information storage unit 125 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) , And / or messenger banking interworking information) in a predetermined storage medium 135, whereby the web server 100 (or the web server 100 operating institution) stores the storage medium 135. Based on the financial product application information stored in the financial institution to provide a basis for receiving a fee for attracting customers to the financial product application.

The information relay unit 130 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information received through the information receiving unit 120) And / or messenger banking interworking information) through a predetermined interface means, the information processing server provided in a financial institution (for example, a request for attracting a customer to apply for financial products to the web server 100). 140) and relay transmission.

Here, the interface means for connecting the web server 100 and the information processing server 140, a dedicated communication network that blocks access by a third party other than the web server 100 and the information processing server 140, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 140 (eg, the financial product application information (and / or financial product trail application information, and / or in the web server 100) Financial transaction application information, and / or Internet banking subscription application information, and / or messenger banking interworking information) is encrypted by a predetermined encryption method and transmitted to the information processing server 140, and the information processing server 140 transmits the information. The financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information, and / or messenger banking connection) through a decryption method corresponding to an encryption method. Communication network) for decoding the information).

According to another exemplary embodiment of the present invention, when the information processing server 140 has a web server 100 function and / or the information processing server 140 is an internet banking server, the information relay 130 ) Relays the customer terminal and the information processing server 140 by connecting and relaying the information, so that the financial product application information (and / or financial product provisional application information, and / or from the information processing server 140 to the customer terminal). Or financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information), so as to directly provide a predetermined user interface for receiving the financial transaction application information, and thereby the information processing server 140. The financial instrument application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking) from the customer terminal through a predetermined network means Subscription application information, and / or messenger banking interworking information) directly, and the present invention is not limited thereto.

According to another embodiment of the present invention, between the web server 100 and the information processing server 140 relays at least one or more web servers 100 and the information processing server 140, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 140 and / or relays the at least one web server 100 and the at least one information processing server 140. ) May be further provided, whereby the present invention is not limited.

Referring to FIG. 1, the information processing server 140 is connected to a predetermined financial system by an information receiving unit 170 for receiving the financial product application information provided from the web server 100 through the interface means. The provisional opening section 165 which opens a financial account (or online account) corresponding to the financial product corresponding to the financial product application information received through the information receiving unit 170 as a new provision, and the financial establishment as the provisional provision A prepaid card processing unit 160 for processing an account (or an online account) as a rechargeable prepaid card; The real name of the customer applying for the financial transaction for the financial account (or the online account) opened in response to the financial product application information is confirmed within a predetermined real name verification period; If the real name of the real name confirmation unit 150 for confirming whether the real name for the financial account (or online account) opened in a new provision corresponding to the financial product application information is confirmed, the financial account opened in the new provision (or online) Account) is provided with a new account processing unit 145 for processing a new financial account.

The information receiving unit 170 is the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription provided from the web server 100 via the interface means) Receiving application information, and / or messenger banking interworking information), wherein the received financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking). Subscription application information, and / or messenger banking interworking information) is provided to the provisional provision establishment unit 165.

Financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription application information provided from the web server 100 according to an embodiment of the present invention, and And / or messenger banking interworking information), the information receiving unit 170 the encrypted financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or Internet banking subscription) Application information, and / or messenger banking interworking information).

The provisional establishment section 165 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / from the web server 100 via the information receiving unit 170, and / Or if the banking subscription application information, and / or messenger banking interworking information is provided, the financial instrument application information (and / or financial product new application information, and / or financial transaction application information, and / or internet banking subscription). Read the application information and / or messenger banking interworking information, and through the predetermined financial system, the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or internet banking subscription) And a financial account (or online account) corresponding to the application information and / or messenger banking interworking information.

Here, the new provision establishment unit 165 the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information, and / or messenger banking interworking) Opening a financial account (or online account) corresponding to the information on a new basis may include applying the financial product application information (and / or financial product new application information, and / or) to a ledger D / B provided on the financial system. Or a predetermined customer ledger corresponding to financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information, which may be omitted if the customer ledger is already registered) and / or at least one new provision And registering the ledger (for example, a reception ledger corresponding to the financial product application information).

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

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

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

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

That is, the provision of new provisions 165 is the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or Internet banking received through the web server 100) On the basis of subscription application information and / or messenger banking interworking information, a process of opening a predetermined hidden account corresponding to the financial product in connection with the external and / or information systems provided in the financial system (e.g., Procedure for registering a predetermined ledger, and provides the result to the prepaid card processing unit 160.

According to the exemplary embodiment of the present invention, the procedure of opening the predetermined new account corresponding to the financial product by the temporary opening unit 165 in association with the financial system, Create and store a predetermined ledger (eg, a customer ledger, and / or an account ledger, and / or a household ledger) in the ledger D / B on the financial system corresponding to the financial product application information. And additional information corresponding to the information, and / or financial transaction application information, and / or Internet banking subscription application information, and / or messenger banking interworking information, is stored in association with the ledger. .

Those skilled in the art to which the present invention pertains, the hook establishment section 165 in conjunction with the financial system to open a predetermined hidden account corresponding to the financial product (for example, a predetermined visibility Since you will be familiar with the detailed procedure for registering the Governor, detailed descriptions thereof will be omitted for convenience.

The prepaid card processing unit 160 is characterized in that the processing of the new account (or the new general ledger) opened by the new provision opening unit 165 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name system It is possible to withdraw a predetermined deposit amount (or recharge amount) without violating the Law on Trade and Confidentiality and the Concurrent Decree (Presidential Decree No. 15744).

In addition, it is desirable that the prepaid account processed by the prepaid card processing unit 160 as a rechargeable prepaid card has a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to the exemplary embodiment of the present invention, the prepaid card processing unit 160 replaces the account ledger information included in the ledger ledger with the rechargeable prepaid card information, so that the trail opened by the ledger opening unit 165. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

For example, the prepaid card processing unit 160 replaces the account number included in the head of the board of directors with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and replaces the account interest rate with the prepaid card. By replacing the account password with a Personal Identification Number (PIN) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby establishing the trail established by the provisional opening unit 165. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 160 processes the predetermined prepaid rechargeable prepaid card information in a relational form in the head of the head of the head, and the trail opened by the head of the head of the head of the hook. It is advisable to treat your account (or the new director) with a rechargeable prepaid card.

For example, the prepaid card processing unit 160 deactivates the account number, product type, interest rate, password, etc. contained in the ledger, the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN and the like, it is preferable to process the pseudonew account (or the new ledger) opened by the provisional opening unit 165 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 160 stores the prepaid rechargeable prepaid card information in a predetermined database linked to the registered ledger D / B. It is preferable to process the provisional account (or provisional ledger) established by the unit 165 as a rechargeable prepaid card.

For example, the prepaid card processing unit 160 deactivates the account number, product type, interest rate, password, etc. contained in the ledger, the prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing the rechargeable prepaid card information including the card PIN, etc. in a predetermined database linked to the ledger D / B registered by the head of the head of the board, the cover-up account (or trail) opened by the head of the head of the head of provision. It is desirable to treat Gyuwonjang) with a rechargeable prepaid card.

Thereafter, the new provision management unit 155 is characterized in that the operation of the new provision account established as the new provision to process the rechargeable prepaid card until the real name confirmation for the financial product application customers.

According to the implementation method of the present invention, when the new provision management unit 155 deposits a predetermined amount (or an account transfer) to the new provision account through the financial system, charging the deposit amount to the rechargeable prepaid card It is characterized by processing as.

In addition, when a predetermined amount is withdrawn (or transferred to the account) through the financial system to the hidden regulation account, the provisional management unit 155 processes the withdrawal amount as the amount charged to the rechargeable prepaid card. Characterized in that.

In addition, when interest is calculated for the amount deposited in the bank account (or charged in the rechargeable prepaid card) through the financial system, the bank provision management unit 155 charges the interest in the rechargeable prepaid card. Characterized in that.

By treating the provisional account with a rechargeable prepaid card as described above, the provisional provision management unit 155 violates the laws and concurrent laws (Presidential Decree No. 15744) on financial real name transaction and confidentiality until the name of the provisional account is verified. Prevent it.

The real name verification unit 150 is the law on the financial real-name system trading and confidentiality while the new account opened by the new provision establishment unit 165 is managed by the new provision management unit 155, According to the financial real name verification procedure corresponding to the Decree (Presidential Decree No. 15744), it is characterized in that whether the real name of the customer applying for the financial product is confirmed within a predetermined real name verification period.

According to the exemplary embodiment of the present invention, the real name confirmation unit 150 is configured for the financial account (or the online account) corresponding to the financial product through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to verify that the real name of the customer applying for the financial instrument is confirmed.

According to another exemplary embodiment of the present invention, the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is an Internet banking customer corresponding to the financial institution (for example, the financial In the case where the institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 150 is the financial corresponding to the financial product through the certificate-based real name verification procedure defined in the Internet banking system. It is desirable to verify that the real name of the customer applying for the financial instrument for the account (or the online account) is confirmed.

According to another exemplary embodiment of the present invention, when the financial product applying customer is a conventional financial transaction customer for the financial institution, and the financial product applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has performed the real name verification process for the customer applying for the financial product), the real name verification unit 150 corresponds to the financial product through a certificate-based real name verification procedure defined in the wireless banking system. It is desirable to verify that the real name of the customer applying for the financial instrument for the financial account (or the online account) is confirmed.

According to another embodiment of the present invention, the customer applying for the financial product is a conventional financial transaction customer for the financial institution, and the customer applying for the financial product corresponds to the financial institution, and / or home banking, and / or Or, if the TV banking customer (for example, the financial institution has implemented the real name verification process for the customer applying for the financial product), the real name verification unit 150 is a certificate-based real name defined in the wireless banking system It is possible to confirm whether the real name of the customer applying for the financial product for the financial account (or the online account) corresponding to the financial product is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 150 is provided in the financial system (or provided in a financial institution) to confirm the real name for the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request that the customer apply for the financial product using the telemarketing function to perform a real name verification procedure for the financial account (or online account) corresponding to the financial product.

Alternatively, the real name verification unit 150 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the financial product within a predetermined real name verification period. It is preferable to periodically request the customer to apply for the financial product using the real name verification process for the financial account (or online account) corresponding to the financial product.

Alternatively, when the financial product application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 150 to confirm the real name for the financial product application customer within a predetermined real name verification period, the financial A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an Internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or a financial account (or online) corresponding to a financial instrument to the customer applying for the financial instrument in connection with the financial transaction system during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction. It is desirable to request that a real name verification procedure be performed for the account.

If the real name of the customer applying for the financial product is confirmed within a predetermined real name confirmation period, the real name confirmation unit 150 generates the real name identification information for the customer applying for the financial product and provides the new account processing unit 145. do.

Alternatively, when the real name of the financial product application customer is confirmed within the predetermined real name verification period, the real name verification unit 150 generates unidentified name information of the financial product application customer to generate the new account processing unit 145. To provide.

When real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processing unit 145 is connected with the financial system. The financial account (or online account) corresponding to the financial product processed by the provisional provision opening section 165 and / or provisional provision management section 155 as the provisional provision is characterized in that the processing as a valid new financial account.

According to an embodiment of the present invention, when real name confirmation information is provided from the real name confirmation unit 150 including the real name of the customer applying for the financial product within the real name confirmation period, the new account processor 145 is provided. The financial account (or online account) processed by the provisional opening section 165 and / or provisional management section 155 as a provisional new in connection with the external and / or information system provided in the financial system It is preferable that all financial transactions corresponding to the financial product be processed into a valid new financial account.

In accordance with an embodiment of the present invention, the amount of money deposited into a financial account (or online account) opened in correspondence with the financial product is locked so as not to be withdrawn by any financial transaction until the real name verification for the financial account (or online account) is made. If (Lock) is set, the new account processing unit 145 releases the lock on the financial account (or online account) corresponding to the financial product in connection with the external system and / or information system provided in the financial system. Preferably, the financial account (or online account) processed by the provisional provision is processed into a valid new financial account capable of all financial transactions corresponding to the financial product.

According to another embodiment of the present invention, the financial system is provided with a virtual account function for processing a new provision corresponding to the financial product, thereby depositing an amount of money deposited into a financial account (or an online account) opened in correspondence with the financial product. When the bank account is transferred to a predetermined virtual account provided with a withdrawal prevention function in association with the financial account (or an online account), the new account processor 145 is linked with an external system and / or information system provided in the financial system. Thereby retrieving (or re-transferring) the amount deposited in the withdrawal virtual account to a financial account (or online account) corresponding to the financial instrument, and / or removing (or erasing) the withdrawal virtual account. The financial account (or online account) processed by the new provision is thereby a valid new financial system capable of all financial transactions corresponding to the financial product. It is treated with.

According to another exemplary embodiment of the present invention, a financial account (or an online account) for a financial account (or an online account) corresponding to the financial product is provided in the financial system, and a financial account (or opened) corresponding to the financial product is provided. An online account) is processed as a virtual account with a withdrawal prevention function associated with the bank account processing mother account, whereby a predetermined amount is deposited into a financial account (or an online account) processed as a virtual account with the withdrawal prevention function. (Or deposit), the new account processor 145 is a financial account (or online account) processed as a virtual account with the withdrawal prevention function in connection with the external and / or information systems provided in the financial system. Canceling the withdrawal prevention function and providing (or erasing) a virtual account function associated with the parent account for the new provision processing, and thereby a financial account (or on) corresponding to the financial product. Line account), whereby the financial account (or on-line account) processed with the new provision is processed into a valid new financial account capable of all financial transactions corresponding to the financial product.

According to the exemplary embodiment of the present invention, the new account processing unit 145 processes the financial account (or online account) corresponding to the financial product as a valid new financial account capable of all financial transactions corresponding to the financial product. The financial receiver (or online account) opening date (or financial product investment start date) corresponding to the financial product is determined by the information receiving unit 170 from the web server 100 and the financial product application information (and / or financial product provisional provisions). Application information, and / or financial transaction application information, and / or Internet banking subscription application information, and / or messenger banking interworking information), or the provision of a new provision establishment unit 165 on the financial system. It is desirable to retroactively apply the financial account (or online account) corresponding to the commodity as one of the date of opening a new provision.

FIG. 2 is a diagram illustrating a structure of information of a general ledger for the provision of a new regulation for operating an online account and operating in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, Figure 2 registers for the opening of the online account in the ledger information stored in the predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 for the processing of the new card operating in the form of a rechargeable prepaid card. As shown in the information structure for the new ledgers, specifically, by replacing the account ledger information contained in the ledgers registered in the ledger D / B with the chargeable prepaid card information, by adding a predetermined messenger banking linkage information The present invention relates to a method of processing an online account (or a new account) corresponding to the ledger of a bill with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 2 to open the online account in the ledger D / B and to operate the card in the form of a rechargeable prepaid card. It will be possible to infer a variety of information configuration method for the head of the new regulation, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

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

According to an embodiment of the present invention, the provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 may be provided with the external system and / or information provided in the financial system. In connection with the system, the telephone number of the customer ledger is characterized in that it comprises customer wireless terminal information for processing at least one or more financial transactions in a non-face-to-face manner without a financial certificate.

According to another exemplary embodiment of the present invention, the provisional opening unit 165 and / or provisional management unit 155 of the information processing server 140 shown in FIG. 1 are provided with an external system and / or provided in the financial system. In conjunction with the information system, the customer ledger includes information on the wireless ledger for processing at least one or more financial transactions in a non-face-to-face manner without financial authorization, and / or the customer ledger and / or the new ledger. It is possible to include in the predetermined additional information associated with the present invention, thereby not limited.

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

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

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

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Predetermined information about the online account (or the provisional account), including the account number (or prepaid card number), the date of establishment of the provisional provision, the expiration of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. And generating and cooperatively processing the generated new provision information as additional information corresponding to the ledger.

Here, the false provisions processing information is preferably generated based on the financial product application information and / or financial product provisional application information received from the customer terminal on the online account processing system shown in FIG.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date on which an online account (or provisional provisional account) corresponding to the financial instrument is opened on the ledger D / B, and corresponds to the financial instrument processed with the provisional provisional processing. If the real name of the customer applying for a financial instrument is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event of difficulty in verifying the real name of the customer applying for the financial product for the online account (or the provisional account) corresponding to the financial product, and / or in the information on the provision of the new provision, the automatic extension agreement for the expiration date of the real name verification is If included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for the financial product for the online account (or a new account) corresponding to the financial product.

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

In addition, the deposit before the real name confirmation of the false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited in the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the balance of the account of the director of the provisional account (eg, the amount of the prepaid rechargeable card) Matches.

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

Referring to FIG. 2, the prepaid card processing unit 160 of the information processing server 140 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system, and charges the prepaid bill of prepaid bill. In order to process the card, the account number included in the ledger is replaced with a predetermined prepaid card number, the product type is replaced by a "rechargeable prepaid card" product, the account interest rate is replaced by a prepaid card linked rate, The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account (or a new account)), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

In addition, the prepaid card linked rate is an interest rate for calculating interest on the amount charged to the rechargeable prepaid card according to the interest rate of the online account (or a new account), the prepaid card linked rate is the online account (or After the real name is processed, it is preferable to reduce the interest rate of the new financial account processed by the real name.

In addition, the prepaid card PIN is for the customer to process at least one or more financial transactions through the online account (or hidden account) in a non-face-to-face manner without an accredited certificate until the real name of the online account (or hidden account) is verified. As a password defined for the purpose, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Thus, in order to link the online account (or a new account) with a predetermined messenger banking system, an account number (or a prepaid card number) for the online account (or a new account) and the online account (or a new account) And the banking interworking information including at least one of messenger account information and / or messenger linked account information corresponding to messenger banking associated with the account) as additional information corresponding to the ledger.

According to an embodiment of the present invention, when the financial product application customer and the messenger banking customer are the same in the online account processing system illustrated in FIG. 1, the messenger banking linkage information may be the financial product application customer (or messenger banking customer). At least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in FIG. Z is preferably included.

Thereby, a predetermined amount of money is charged (or charged) from the real name account corresponding to the messenger banking to the online account (or false account) corresponding to the financial product application information, or the online account (or false account). When a restriction due to non-real name occurs in at least one financial transaction process corresponding to, the financial transaction corresponding to the online account (or a new account) may be processed through the real name account corresponding to the messenger banking.

According to another exemplary embodiment of the present invention, in the online account processing system shown in FIG. 1, the customer applying for the financial product is a child (or a minor, a limited deceased person, or a detained person), and the online account (or a false account). When the messenger banking customer on the messenger banking system associated with the parent (or guardian) of the child (or minor, or limited deceased person, or incompetent person), the messenger banking interworking information is the parent (or Guardian) preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in Figure z.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the parent (or guardian) corresponding to the messenger banking to the online account (or a new account) corresponding to the financial product application information, or the online account. In the case of at least one financial transaction corresponding to (or a new account) a non-real name restriction occurs, the online account (or a new account) through the real name account of the parent (or guardian) corresponding to the messenger banking. It will be able to handle the financial transactions corresponding to.

According to another exemplary embodiment of the present invention, in the online account processing system illustrated in FIG. 1, at least one web provided by the financial product application customer and the messenger banking customer through a web service unit provided in the web server 100. When linked (eg, a minihompy relationship) through a service (eg, a personalized service including a minihompy / blog, and / or a mail service, and / or a messenger service), the messenger banking interworking information may be set to the financial unit. Messenger account information registered through the messenger banking information registration system shown in FIG. Z by the messenger member linked to the product application customer and at least one web service provided through the web service unit provided in the web server 100 and / or Or at least one messenger linked account information.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the messenger member corresponding to the messenger banking to the online account (or a temporary account) corresponding to the financial product application information, or the online account (or a trail). In the case of at least one financial transaction corresponding to a specific account), when a restriction due to non-real name occurs, a financial transaction corresponding to the online account (or a new account) is performed through the real name account of the messenger member corresponding to the messenger banking. It can be processed.

FIG. 3 is a diagram illustrating the structure of the information of the general ledger for the provision of the new regulation to be operated in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, Figure 3 registers for the new account processing to open the online account and operate in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 As shown in the information structure for the Gasin Gyu ledger, specifically by charging the prepaid rechargeable prepaid card information and messenger banking interworking information stored in the Gasin Gyu Register registered in the ledger D / B, the Gasin Gyu The present invention relates to a method of processing an online account (or a new account) corresponding to the ledger with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to establish a preliminary process for opening the online account in the ledger D / B and operating in the form of a rechargeable prepaid card. It will be possible to infer a variety of information configuration method for the head of the new regulation, but the present invention includes all the implementation method inferred above, and is not limited to the implementation method shown in FIG.

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

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

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

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

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

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Predetermined information about the online account (or the provisional account), including the account number (or prepaid card number), the date of establishment of the provisional provision, the expiration of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. And generating and linking the generated trail processing information with additional information corresponding to the trail regulation.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

In addition, the provisional date of the provisional provision of the new provisional processing information is a date on which an online account (or provisional provisional account) corresponding to the financial instrument is opened on the ledger D / B, and corresponds to the financial instrument processed with the provisional provisional processing. If the real name of the customer applying for a financial instrument is confirmed, the financial instrument corresponds to a date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the financial product within the name verification expiration date In the event of difficulty in verifying the real name of the customer applying for the financial product for the online account (or the provisional account) corresponding to the financial product, and / or in the information on the provision of the new provision, the automatic extension agreement for the expiration date of the real name verification is If included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for the financial product for the online account (or a new account) corresponding to the financial product.

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

In addition, the deposit before the real name confirmation of the false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited in the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the balance of the account of the director of the provisional account (eg, the amount of the prepaid rechargeable card) Matches.

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

Referring to FIG. 3, the prepaid card processing unit 160 of the information processing server 140 shown in FIG. 1 is charged with the prepaid bill in advance, in association with the external system and / or information system provided in the financial system. In order to process the card, characterized in that the account number, product type, interest rate, password, etc. contained in the director, deactivation, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, prepaid Rechargeable prepaid card information, including card PIN and customer wireless terminal information, characterized in that is stored in association with the additional information of the head of the Gagyu Gyuyu.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account, or a new account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

In addition, the prepaid card linked rate is an interest rate for calculating interest on the amount charged to the rechargeable prepaid card according to the interest rate of the online account (or a new account), the prepaid card linked rate is the online account (or After the real name is processed, it is preferable to reduce the interest rate of the new financial account processed by the real name.

In addition, the prepaid card PIN is for the customer to process at least one or more financial transactions through the online account (or hidden account) in a non-face-to-face manner without an accredited certificate until the real name of the online account (or hidden account) is verified. As a password defined for the purpose, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

In addition, the customer wireless terminal information is also used by the customer to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without a certificate until the real name verification of the online account (or false account) It is preferable to correspond to the defined authentication number.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Thus, in order to link the online account (or a new account) with a predetermined messenger banking system, an account number (or a prepaid card number) for the online account (or a new account) and the online account (or a new account) Accounting) and the banking interworking information including at least one of messenger account information and / or messenger linked account information corresponding to messenger banking linked to the bank account as additional information corresponding to the ledger. .

According to an embodiment of the present invention, when the financial product application customer and the messenger banking customer are the same in the online account processing system shown in FIG. 1, the messenger banking linkage information may be applied to the financial product application customer (or messenger banking customer). ) Preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in FIG.

Thereby, a predetermined amount of money is charged (or charged) from the real name account corresponding to the messenger banking to the online account (or false account) corresponding to the financial product application information, or the online account (or false account). When a restriction due to non-real name occurs in at least one financial transaction process corresponding to, the financial transaction corresponding to the online account (or a new account) may be processed through the real name account corresponding to the messenger banking.

According to another exemplary embodiment of the present invention, in the online account processing system shown in FIG. 1, the customer applying for the financial product is a child (or a minor, a limited deceased person, or a detained person), and the online account (or a false account). If the messenger banking customer on the messenger banking system associated with the parent (or guardian) of the child (or minor, or limited deceased person, or incompetent person), the messenger banking interworking information is the parent (or Guardian) preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in Figure z.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the parent (or guardian) corresponding to the messenger banking to the online account (or a new account) corresponding to the financial product application information, or the online account. In the case of at least one financial transaction corresponding to (or a new account) a non-real name restriction occurs, the online account (or a new account) through the real name account of the parent (or guardian) corresponding to the messenger banking. It will be able to handle the financial transactions corresponding to.

According to another exemplary embodiment of the present invention, in the online account processing system illustrated in FIG. 1, at least one web provided by the financial product application customer and the messenger banking customer through a web service unit provided in the web server 100. When linked (eg, a minihompy relationship) through a service (eg, a personalized service including a minihompy / blog, and / or a mail service, and / or a messenger service), the messenger banking interworking information may be set to the financial unit. Messenger account information registered through the messenger banking information registration system shown in FIG. Z by the messenger member linked to the product application customer and at least one web service provided through the web service unit provided in the web server 100 and / or Or at least one messenger linked account information.

As a result, a predetermined amount is deposited (or charged) from the real name account of the messenger member corresponding to the messenger banking to the online account (or a new account) corresponding to the financial instrument application information, or the online account (or If a restriction due to non-real name occurs in at least one financial transaction process corresponding to the provisional account), the financial transaction corresponding to the online account (or the provisional account) through the real name account of the messenger member corresponding to the messenger banking Can be processed.

FIG. 4 is a diagram illustrating the provision of new provision processing information and a rechargeable prepaid card information for the provision of new accounts operating in the form of an online account and a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 4 shows an online account opening and recharge type stored in a predetermined database 410 associated with a predetermined ledger D / B 405 provided in the DBMS 400 on the financial system shown in FIG. As shown in FIG. 4, the information structure for the new bill processing information and the rechargeable prepaid card information for the new bill processing in the form of a prepaid card is described. And / or modify it to infer various information construction methods for storing the new transaction information, rechargeable prepaid card information, and messenger banking interworking information in a predetermined database 410 associated with the ledger D / B 405. The present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the provisional processing information and / or rechargeable prepaid card information in the ledger D / B 405 on the DBMS 400 provided on the financial system (eg, financial In the policy of the institution, it is not easy to change the ledger D / B 405 of the DBMS 400, or the system expansion is not easy due to the characteristics of the financial system), and a predetermined database 410 instead of the ledger D / B. ) Shows an implementation method of storing the hidden transaction information and / or the rechargeable prepaid card information, and storing the database 410 in association with the ledger D / B.

Referring to FIG. 4, the database 410 stores the pseudo-processing information and / or rechargeable prepaid card information, and the pseudo-processing information and / or rechargeable prepaid card information is stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the provisional processing information and / or the rechargeable prepaid card information for processing in association with 405.

In FIG. 4, the new provision processing information stored in the database 410 includes the account number for the financial account corresponding to the financial instrument, the date of establishment of the new provision, the expiration date of the real name verification, the extension of the real name verification period, and the deposit before the real name verification. It is characterized by comprising.

Here, the false provisions processing information is preferably generated based on the financial product application information and / or financial product provisional application information received from the customer terminal on the online account processing system shown in FIG.

The account number (or prepaid card number) of the pseudonym processing information is information for linking the pseudonym processing information with an online account (or pseudonym account) corresponding to the financial product, and according to the present invention. It includes the account number (or prepaid card number) of the online account (or hidden account) corresponding to the processed financial product.

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

In addition, the real name verification expiration date of the new provision processing information is the date that the real name verification period expires from the date of establishment of the new provisions, financial products for the online account (or a new account) corresponding to the financial product within the expiration date of the real name verification The real name of the applicant should be confirmed.

In addition, the extension of the real name verification period of the new provision processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the financial product application customers Automatic extension of the real name verification expiration date in the case of difficulty in verifying the real name of the customer applying for the financial product to the online account (or the provisional account) corresponding to the financial product within the same time; If it is included, even after the expiration date of the real name confirmation to confirm the real name of the customer applying for financial products for the online account (or a new account) corresponding to the financial product.

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

In addition, the deposit before the real name confirmation of the false information processing information is predetermined to the online account (or false account) before the real name of the customer applying for a financial product for the online account (or false account) corresponding to the financial product is confirmed. When the amount of money is deposited, the amount information deposited in the online account (or the provisional account) corresponding to the financial product, wherein the pre-real name verification deposit is the balance of the account of the director of the provisional account (eg, the amount of the prepaid rechargeable card) Matches.

In FIG. 4, the rechargeable prepaid card information stored in the database 410 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal information. Characterized in that made.

Here, the prepaid card number is a card number defined for at least one or more financial transactions through the online account (or false account) until the customer confirms the real name of the online account (or false account), the financial system It is preferable to include a prepaid card number system of the provided financial institution, it is preferable that after the real name verification is reduced to the account number of the new financial account processed name.

In addition, the prepaid card type preferably comprises information to confirm that the online account (or a new account) is not a conventional financial account, but a "rechargeable prepaid card" product according to the present invention, after confirming the real name It is preferable to reduce the product type of the new financial account processed by the real name.

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account, or a new account), it is preferable that after the real name verification is reduced to the balance of the new financial account processed name.

The prepaid card interlock rate may be an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account (or a new account), wherein the prepaid card interlock rate is the online account ( Or a new account) after the real name is processed, it is preferable to reduce the interest rate of the new financial account processed.

The prepaid card PIN may also be used to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without an accredited certificate until the customer confirms the real name of the online account (or false account). As the defined password, it is preferable that the name is returned to the account password of the new financial account processed after the real name.

In addition, the customer wireless terminal information is also used by the customer to process at least one or more financial transactions through the online account (or false account) in a non-face-to-face manner without a certificate until the real name verification of the online account (or false account) It is preferable to correspond to the defined authentication number.

According to the present invention, the provisional opening section 165 and / or provisional management section 155 of the information processing server 140 shown in Figure 1 is linked to the external system and / or information system provided in the financial system Thus, in order to link the online account (or a new account) with a predetermined messenger banking system, an account number (or a prepaid card number) for the online account (or a new account) and the online account (or a new account) And the bank account interworking information including at least one of messenger account information and / or messenger linked account information corresponding to the messenger banking associated with the account).

According to an embodiment of the present invention, when the financial product application customer and the messenger banking customer are the same in the online account processing system illustrated in FIG. 1, the messenger banking linkage information may be the financial product application customer (or messenger banking customer). At least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in FIG. Z is preferably included.

Thereby, a predetermined amount of money is charged (or charged) from the real name account corresponding to the messenger banking to the online account (or false account) corresponding to the financial product application information, or the online account (or false account). When a restriction due to non-real name occurs in at least one financial transaction process corresponding to, the financial transaction corresponding to the online account (or a new account) may be processed through the real name account corresponding to the messenger banking.

According to another exemplary embodiment of the present invention, in the online account processing system shown in FIG. 1, the customer applying for the financial product is a child (or a minor, a limited deceased person, or a detained person), and the online account (or a false account). If the messenger banking customer on the messenger banking system associated with the parent (or guardian) of the child (or minor, or limited deceased person, or incompetent person), the messenger banking interworking information is the parent (or Guardian) preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in Figure z.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the parent (or guardian) corresponding to the messenger banking to the online account (or a new account) corresponding to the financial product application information, or the online account. In the case of at least one financial transaction corresponding to (or a new account) a non-real name restriction occurs, the online account (or a new account) through the real name account of the parent (or guardian) corresponding to the messenger banking. It will be able to handle the financial transactions corresponding to.

According to another exemplary embodiment of the present invention, in the online account processing system illustrated in FIG. 1, at least one web provided by the financial product application customer and the messenger banking customer through a web service unit provided in the web server 100. When linked (eg, a minihompy relationship) through a service (eg, a personalized service including a minihompy / blog, and / or a mail service, and / or a messenger service), the messenger banking interworking information may be set to the financial unit. Messenger account information registered through the messenger banking information registration system shown in FIG. Z by the messenger member linked to the product application customer and at least one web service provided through the web service unit provided in the web server 100 and / or Alternatively, it is preferable to include at least one messenger linked account information.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the messenger member corresponding to the messenger banking to the online account (or a temporary account) corresponding to the financial product application information, or the online account (or a trail). In the case of at least one financial transaction corresponding to a specific account), when a restriction due to non-real name occurs, a financial transaction corresponding to the online account (or a new account) is performed through the real name account of the messenger member corresponding to the messenger banking. It can be processed.

5 is a diagram illustrating an information providing process for opening a new account and processing a new account operated in the form of a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product application user interface to the customer terminal, the predetermined financial product is provided through the financial product application user interface at the client terminal. The application information is input (or selected) and provided to the web server 100 through a predetermined network means, and the web server 100 corresponds to the financial product through the predetermined interface means. The process of providing to the information processing server 140 provided in a financial institution, if those of ordinary skill in the art to which the present invention belongs, web server in the customer terminal by referring to and / or modifying the figure 5 Although it will be possible to infer various implementation methods for providing the financial product application information to the information processing server 140 through the 100, Include all of the inference method that is carried out, and is not limited by the exemplary method shown in the figure 5.

For example, in FIG. 5, the customer terminal provides only the financial product application information to the web server 100, but it is described. However, if the person having ordinary knowledge in the technical field to which the present invention belongs, the web server ( In addition to the financial product application information in the customer terminal corresponding to the user interface provided by the customer at 100), financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information, and / Or an implementation method of providing messenger banking interworking information, but the present invention provides the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information in the customer terminal. And / or an implementation method for providing messenger banking interworking information, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 Encrypt and transmit the financial product application information (and / or financial product new application information, and / or financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information), and process the information; The server 140 decrypts the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information); The method may be inferred, but the present invention includes the inferred practice method, whereby the present invention is not limited.

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

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the financial product subscription application user interface is used to predetermine a financial product for online subscription of the financial product from the customer terminal. Periodically check whether a request user interface is requested (510), if the financial product request interface is requested from the customer terminal (515), the web server 100 is a predetermined financial product request user to provide to the customer terminal An interface is generated (or extracted from a predetermined web source D / B (not shown)) (520), and the financial instrument application user interface is provided to the mobile terminal through the network means (525).

Thereafter, the client terminal inputs (or selects) predetermined financial product application information through the financial product application user interface (530), wherein the financial product application information is one or more financial products to be purchased (or applied) by the customer. Financial product selection information for selecting a, financial product terms and conditions agreement information corresponding to the financial product, the financial product investment amount information, and preferably comprises at least one or more customer information.

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

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 140 through a predetermined interface means (545), and the information processing server 140 transmits the information through the interface means. The financial product application information provided from the web server 100 is received (550).

6 is a diagram illustrating an information providing process for processing a new account in the form of an online account opening and a rechargeable prepaid card according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates that when the web server 100 shown in FIG. 1 provides a predetermined financial product application user interface to the client terminal, the predetermined financial product is provided through the financial product application user interface at the client terminal. The application information is input (or selected) and encrypted to be provided to the web server 100 through a predetermined network means, and the financial server application information is decrypted by the web server 100 to provide the finance through a predetermined interface means. The process of providing the product application information to the information processing server 140 provided in the financial institution corresponding to the financial product, if the person of ordinary skill in the art to which the present invention belongs, refer to this figure and And / or modified to provide the financial product application information to the information processing server 140 through the web server 100 in the customer terminal. It would be able to infer when the method, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 6.

For example, in FIG. 6, the customer terminal provides only the financial product application information to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention belongs, the web server ( In addition to the financial product application information in the customer terminal corresponding to the user interface provided by the customer at 100), financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information, and / Or an implementation method of providing messenger banking interworking information, but the present invention provides the financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information in the customer terminal. And / or an implementation method for providing messenger banking interworking information, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the interface means for connecting the web server 100 and the information processing server 140 in the web server 100 Encrypt and transmit the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information) and process the information; The server 140 decrypts the financial product application information (and / or financial product provisional application information, and / or financial transaction application information, and / or internet banking subscription application information, and / or messenger banking interworking information); The method may be inferred, but the present invention includes the inferred practice method, whereby the present invention is not limited.

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

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal as described above, the financial product subscription application user interface is used to predetermine a financial product for online subscription of the financial product from the customer terminal. Periodically check whether the request user interface is requested (610), if the financial product request interface is requested from the customer terminal (615), the web server 100 is applied for a predetermined financial product with a predetermined security function A user interface is generated (or extracted from a predetermined web source D / B (not shown)) (620), and the financial instrument application user interface is provided to the mobile terminal through the network means (625).

Here, the security function provided in the financial product application user interface, a function of encrypting the financial product application information input (or selected) from the customer terminal in a predetermined encryption method and / or the financial product application information of the customer It comprises at least one function for attaching an electronic signature, preferably in the form of a security program linked to the financial product application user interface, wherein the security program is at least one for encrypting the financial product application information It is preferable to comprise the encryption key mentioned above.

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

Thereafter, the client terminal inputs (or selects) predetermined financial product application information through the financial product application user interface (630), and the financial product application information is one or more financial products to be purchased (or applied) by the customer. Financial product selection information for selecting a, financial product terms and conditions agreement information corresponding to the financial product, the financial product investment amount information, and preferably comprises at least one or more customer information.

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

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

According to another exemplary embodiment of the present invention, the process of storing the financial product application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 140. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the financial product application information to the information processing server 140 through a predetermined interface means (645), and the information processing server 140 transmits the web through the interface means. The financial product application information provided from the server 100 is received (650).

7 is a diagram illustrating a process of processing an online account (or a new account) as a rechargeable prepaid card according to an embodiment of the present invention.

In more detail, FIG. 7 opens a predetermined online account (or a new account) on the basis of the financial product application information provided from the web server 100 in the information processing server 140 shown in FIG. A PIN for authenticating a non-face-to-face financial transaction without an accredited certificate through a prepaid rechargeable card corresponding to the online account (or a pseudonym account), and then through a rechargeable prepaid card corresponding to the online account (or the pseudonym account). Or, the process of registering the customer wireless terminal information, if the person of ordinary skill in the field to which the present invention belongs, refer to and / or modify this figure 7 to the information processing server 140 shown in FIG. Based on the financial product application information provided, the online account (or a new account) is processed as a rechargeable prepaid card, and the non-face-to-face is not faced through the rechargeable prepaid card. Various implementation methods for registering PIN and / or customer wireless terminal information for authenticating a financial transaction of the scheme may be inferred, but the present invention includes all the inferred implementation methods, and the present invention is not limited thereto. .

For example, in FIG. 7, only the financial product application information is provided from the web server 100 to the information processing server 140. However, the present invention may be applied to those skilled in the art. In addition to the financial product application information, financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information may be inferred the implementation method provided to the information processing server 140, The present invention includes an implementation method in which the financial product provisional application information, and / or financial transaction application information, and / or Internet banking subscription application information is further provided to the information processing server 140, whereby the present invention It is not limited.

Hereinafter, in FIG. 7, the information processing server 140 shown in FIG. 1 is referred to as a “server” for convenience, and processes at least one or more financial transactions in a non-face-to-face manner without an authorized certificate on the financial product application information received by the server. It is assumed that a personal identification number (PIN) and / or customer radio terminal information is included.

Referring to FIG. 7, at least one financial transaction can be made from the web server 100 shown in FIG. 1 to the server through a process shown in FIG. 4 and / or 5 in a non-face-to-face manner without a predetermined certificate. When the financial product application information including the PIN and / or the customer wireless terminal information for processing is received, the server reads the financial product application information and checks whether it is possible to open a financial account corresponding to the financial product (700). ).

If it is impossible to open a financial account corresponding to the financial product based on the financial product application information (705), the server generates account opening error information corresponding to the financial product and provides it to the web server 100. In step 710, the web server 100 transmits the account opening error information to the customer terminal through a predetermined network means (715), thereby ending the financial account provisional procedure based on the financial product application information. do.

On the other hand, if it is possible to open a financial account corresponding to the financial product based on the financial product application information (705), the server connects the predetermined financial account corresponding to the financial product application information to the financial system in connection with the financial system. The service is opened with a new provision on the system (720), and the online account (or a new account) is processed as a rechargeable prepaid card in connection with the financial system (725).

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the ledger ledger with rechargeable prepaid card information as shown in FIG. It is desirable to treat a ledger corresponding to an account (or a new account) with a rechargeable prepaid card.

For example, the server replaces the account number included in the ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, By replacing a password with a PIN (Personal Identification Number) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge, the online account (or trail) opened by the provisional opening unit 165. It is preferable to treat the ledger corresponding to the regulation account with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the server establishes a relational form of predetermined prepaid rechargeable prepaid card information in the ledger, as shown in FIG. It is desirable to treat a ledger corresponding to an account (or a new account) with a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. It is preferable to process the ledger corresponding to the online account (or temporary new account) opened by the new provision opening unit 165 as a rechargeable prepaid card by linking and storing the rechargeable prepaid card information.

According to another exemplary embodiment of the present invention, the server stores predetermined rechargeable prepaid card information in a predetermined database 410 linked to the ledger D / B 405 in which the head of the registrar is registered as shown in FIG. As a result, it is preferable to process the ledger corresponding to the online account (or the new account) opened by the new account opening unit 165 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. Storing the prepaid rechargeable card information in a predetermined database 410 linked to the ledger D / B 405 in which the head of the registrar is registered. It is preferable to treat the ledger corresponding to the regulation account with a rechargeable prepaid card.

Thereafter, the server extracts the PIN and / or customer wireless terminal information included in the financial product application information (730), and connects to the online account (or a new account) processed with the rechargeable prepaid card in connection with the financial system. The extracted PIN and / or customer wireless terminal information is registered in the ledger as shown in FIGS. 2 and / or 3 and / or 4 to authenticate the non-face to face financial transaction (735).

In addition, the server may be connected to the financial system in order to link the online account (or a new account) with a predetermined messenger banking, as shown in FIGS. 2 and / or 3 and / or 4. In operation 740, messenger interworking information including account information and / or messenger linked account information is registered in the ledger.

According to an embodiment of the present invention, when the financial product application customer and the messenger banking customer are the same in the online account processing system shown in FIG. 1, the messenger banking interworking information may be applied to the financial product application customer (or messenger banking customer). ) Preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in FIG.

Thereby, a predetermined amount of money is charged (or charged) from the real name account corresponding to the messenger banking to the online account (or false account) corresponding to the financial product application information, or the online account (or false account). When a restriction due to non-real name occurs in at least one financial transaction process corresponding to, the financial transaction corresponding to the online account (or a new account) may be processed through the real name account corresponding to the messenger banking.

According to another exemplary embodiment of the present invention, in the online account processing system shown in FIG. 1, the customer applying for the financial product is a child (or a minor, a limited deceased person, or a detained person), and the online account (or a false account). If the messenger banking customer on the messenger banking system associated with the parent (or guardian) of the child (or minor, or limited deceased person, or incompetent person), the messenger banking interworking information is the parent (or Guardian) preferably comprises at least one messenger account information and / or messenger linked account information registered through the messenger banking information registration system shown in Figure z.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the parent (or guardian) corresponding to the messenger banking to the online account (or a new account) corresponding to the financial product application information, or the online account. In the case of at least one financial transaction corresponding to (or a new account) a non-real name restriction occurs, the online account (or a new account) through the real name account of the parent (or guardian) corresponding to the messenger banking. It will be able to handle the financial transactions corresponding to.

According to another exemplary embodiment of the present invention, in the online account processing system illustrated in FIG. 1, at least one web provided by the financial product application customer and the messenger banking customer through a web service unit provided in the web server 100. When linked (eg, a minihompy relationship) through a service (eg, a personalized service including a minihompy / blog, and / or a mail service, and / or a messenger service), the messenger banking interworking information may be set to the financial unit. Messenger account information and / or registered by the messenger member linked through a messenger banking information registration system shown in the drawing by a product requesting customer and the messenger member linked through at least one web service provided through the web service unit provided in the web server 100. At least one messenger linked account information is preferably included.

Thereby, a predetermined amount of money is charged (or charged) from the real name account of the messenger member corresponding to the messenger banking to the online account (or a temporary account) corresponding to the financial product application information, or the online account (or a trail). In the case of at least one financial transaction corresponding to a specific account), when a restriction due to non-real name occurs, a financial transaction corresponding to the online account (or a new account) is performed through the real name account of the messenger member corresponding to the messenger banking. It can be processed.

8 is a diagram illustrating a real name verification process for an online account (or a provisional account) according to an embodiment of the present invention.

More specifically, FIG. 8 performs a real name verification process for an online account (or a new account) processed by the rechargeable prepaid card through the process shown in FIG. 7 through the online account processing system shown in FIG. As a process for processing into a predetermined new financial account, those of ordinary skill in the art to which the present invention pertains, the online account (or treated with the rechargeable prepaid card) by referring to and / or modifying this figure 8 It will be possible to infer various implementation methods for verifying the real name for a new account), but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 140 on the online account processing system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, The real name of the customer applying for the financial product for the online account (or the new account) in response to the financial product application information in connection with the financial product application information in connection with the telebanking system, the home banking system, and the TV banking system. Periodically (and / or through a window terminal-based financial transaction system associated with the financial system, a financial terminal-based financial transaction system including CD / ATM, Internet banking system, wireless banking system, telebanking system, home banking system, TV) Responding to customer name verification events from financial transaction systems that include at least one banking system In response, it is confirmed (800).

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

If the real name of the customer applying for the financial product is not confirmed (805), the server checks whether the real name verification period for the online account (or a new account) has elapsed in response to the financial product application information in connection with the financial system. Check (810).

If the real name verification period for the online account (or the provisional account) has not elapsed in response to the financial product application information (815), the server for the online account (or the provisional account) processed with the rechargeable prepaid card. Repeat the process to verify the customer's real name.

On the other hand, if the real name verification period for the online account (or a new account) has elapsed in response to the financial product application information (815), the server is linked with the financial system to the online account (or The amount deposited in the provisional account) is converted into a predetermined mother account (e.g., the financial account in which the investment amount (or the deposit amount) is deposited in the online account (or the provisional account) corresponding to the financial product application information). In response to the financial product application information, the online account (or a new account) is processed as a dormant account (820).

On the other hand, if the real name of the customer applying for the financial product is confirmed within the real name verification period (805), the server connects the online account (or a hidden account) processed with the rechargeable prepaid card in association with the financial system. In step 825, the online account (or a provisional account) is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number, the prepaid card charge is reduced to the account balance, and the prepaid card The interlocking interest rate is reduced to the interest rate of the account, and the prepaid card charge / use details are preferably reduced to the financial transaction details for the account.

Thereafter, the server may retroactively process the account opening date of the financial account corresponding to the financial product processed with the new financial account as the provisional opening date in association with the financial system (835).

9 is a diagram showing the configuration of an online account management system corresponding to one side of the present invention.

In more detail, FIG. 9 corresponds to a predetermined prepaid card operation process of an online account (or a new account) registered and processed as a rechargeable prepaid card on the financial system through the online account processing system shown in FIG. As a method of operating, the person skilled in the art to which the present invention pertains, various analogous methods of operating the online account (or a new account) by referring to and / or modifying the figure 9 infers. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, the online account management system may use prepaid card usage information (eg, prepaid card number and prepaid card charge amount, registered through the online account processing system shown in FIG. 1). Or at least one customer terminal providing a PIN and / or customer wireless terminal information registered to authenticate a non-face-to-face financial transaction through the prepaid card; and the customer terminal and predetermined network means. On-line processed by the rechargeable prepaid card through the prepaid card usage information and the PIN and / or the customer wireless terminal information transmitted from the customer terminal in a state in which a predetermined communication channel for providing a web-based service and the customer terminal is connected. Online account management server 900 and merchants that process financial transactions corresponding to accounts (or false accounts) With the online account (or accounts trail figures) treated with a rechargeable prepaid card opening (e.g., having a trail gyuwon sheets) is characterized in that obtained by having a financial system.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one or more At least one of the accounting system that handles window services such as loans or receptions or trusts or foreign exchanges that occur at branches (or counters), the processing of headquarters operations, branch office information support, and customer information management; Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking, tele Banking, TV banking, etc.) access to the financial system, and / or And an external system that provides a variety of financial transaction interfaces through one or more common networks (eg, CD common network, financial common network), and the financial system provides interfacing between components in the financial system. Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 965 (e.g., a personal communication system (PCS) equipped with a connection and browsing function with the mobile communication network) and / or connected to a base portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or through at least one wireless terminal 965 (eg, wireless terminal 965 with a financial IC chip) connected to the IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip based non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

In accordance with the present invention, a customer requesting at least one financial transaction through an online account (or a provisional account) processed with a predetermined interest rate-linked prepaid card is connected to a wired terminal 960 connected to a predetermined wired communication network and / or a predetermined amount. The on-line account management server 900 is accessed through at least one or more customer terminals of the wireless terminals 965 connected to the wireless communication network, and various application services provided by the online account management server 900 are provided.

Here, the wired terminal 960 connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and includes a desktop computer connected to the TCP / IP based communication network; / Or at least one notebook, or a consumer terminal connected to the TCP / IP based communication network (eg, Set-Top-Box, etc.), or a kiosk connected to the TCP / IP based communication network. It is preferable to comprise.

In addition, the wireless terminal 965 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to a mobile Internet based on IEEE 802.16x, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex type wireless data communication network, and is a Personal Communication System (PCS) and / or a Global System for Mobile (GSM) connected to the CDMA-based mobile communication network. communications) terminals 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, 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 online account management server 900 is at least one or more information / content to the customer terminal including at least one of the wired terminal 960 and / or wireless terminal 965 via the wired communication network and / or wireless communication network. Portal server and / or providing a personalized service, and / or mail service, and / or messenger service, and / or a variety of information providing services, including a search service, and / or minihompy / blog It is preferable to include a search server.

Those skilled in the art to which the present invention pertains, all kinds of web server 100 using a prepaid card on or offline is the online account management server 900, and / or the online account management server Various embodiments of requesting at least one or more financial transactions through an online account (or a provisional account) processed with an interest rate-linked prepaid card in connection with 900 may be inferred, and thus the detailed description thereof is omitted for convenience. do.

According to the embodiment of the present invention, the online account management server 900 is characterized in that it comprises an interface unit 905 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal 960 and / or a wireless terminal 965 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 905 may be configured as described above. At least one information (or data) is connected to a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the customer terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer 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 customer terminal is provided with a communication program provided by the online account management server 900, the interface unit 905 connects the communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 965 connected to a predetermined wireless communication network, the interface unit 905 may be configured based on the protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 905 communicates with the customer 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. .

Referring to FIG. 9, when a predetermined customer terminal accesses the online account management server 900 through the interface unit 905, a predetermined prepaid card for operating the online account in cooperation with the interface unit 905. Interface providing unit 910 for generating a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) for receiving the use information and PIN and / or customer wireless terminal information to provide to the customer terminal And a predetermined prepaid card use information and PIN and / or customer wireless terminal information for operating the online account which is input (or selected) and transmitted from the customer terminal through the user interface in conjunction with the interface unit 905. A predetermined prepaid card for operating an online account received through the information receiving unit 915 and the information receiving unit 915 in association with a predetermined financial system. Access an online account (or false account) processed with a rechargeable prepaid card corresponding to the prepaid card number included in the usage information, and access the online account (or false account) via the PIN and / or customer wireless terminal information. An authentication processing unit 920 for authenticating a non-face-to-face financial transaction, and at least one corresponding to an online account (or a new account) processed with the rechargeable prepaid card according to a prepaid card operating procedure when the non-face-to-face financial transaction is authenticated An online account manager 925 for processing financial transactions, and a prepaid card usage history processed by the online account manager 925 as a financial transaction history and a ledger for recording in the ledger provided in the financial system. Characterized in that it comprises a processing unit 930, the online account management unit 925 non-face to the online account (or a new account) In the course of processing the transaction, an information checking unit 935 for checking whether a financial transaction restriction caused by the non-real name account and / or the rechargeable prepaid card attribute of the online account (or the provisional account) and the online account ( Or in the case of confirming the financial transaction restriction by the non-real name account and / or the chargeable prepaid card attribute of the temporary account), the financial transaction processing to process the financial transaction restriction through messenger banking associated with the online account (or the provisional account). And an information transmitter 940 for generating information and transmitting the information to a messenger banking system associated with an online account (or a new account) through a predetermined communication means.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal 960 and / or a wireless terminal 965 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 905 may be configured as described above. At least one information (or data) is connected to a predetermined communication channel with the customer terminal based on a protocol stack defined in a wired network and / or a wireless network, and using a communication protocol defined in a communication program included in the customer terminal. It is desirable to provide a communication interface for transmission and reception.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the customer terminal, the interface unit 905 connects a communication channel with the customer 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 customer terminal is provided with a communication program provided by the online account management server 900, the interface unit 905 connects the communication channel with the customer terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in a communication program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 965 connected to a predetermined wireless communication network, the interface unit 905 may be configured based on the protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the customer terminal, the interface unit 905 communicates with the customer terminal based on the CDMA protocol. A web page (eg, a WML (Wireless Markup Language) compliant web page, or an HTML compliant web page) and / or a communication interface for transmitting and receiving information using a WAP / ME protocol defined in the browser program. do.

The interface providing unit 910 corresponds to a functional configuration provided in the customer terminal when a predetermined communication channel is connected between the predetermined customer terminal and the online account management server 900 through the interface unit 905. A predetermined user interface capable of inputting (or selecting) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for the online account operation to the online account management server 900 via the network means And / or extract from a predetermined database (not shown), and in conjunction with the interface unit 905 to generate the user interface generated (or extracted from a predetermined web source D / B (not shown)). It is characterized by providing to the customer terminal through a network means.

Thereafter, the client terminal inputs (or selects) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for operating the online account based on the user interface, and the input (or selected) online account. Pre-paid card usage information and PIN and / or customer wireless terminal information for operation are transmitted to the online account management server 900 through the network means.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal 960 and / or a wireless terminal 965 connected to a predetermined wired communication network and / or a wireless communication network, the interface providing unit 910 Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program provided in the customer terminal, and the interface unit 905 It is preferable to provide the user terminal with a user interface generated (or extracted from a predetermined web source D / B (not shown)).

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal 965 connected to a predetermined wireless communication network, the interface providing unit 910 includes a browser program and / or provided in the customer terminal. A predetermined user interface that can be provided by a communication program is generated (or extracted from a predetermined web source D / B (not shown)), and the generated (or predetermined web source D / B (shown) is provided through the interface unit 905. It is desirable to provide the user interface extracted from the above) to the customer terminal.

According to an embodiment of the present invention, the online account management server 900 receives (or selects) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for a predetermined online account operation from the customer terminal. The user interface provided for the user may include a search service including at least one information / content, and / or a personalization service including a minihompy / blog, and / or a mail service, and / or a messenger service, and / or various information. It is preferable to include a paid content payment interface to the portal server (Portal Server) and / or the search server for providing the provided service.

In addition, the user interface provided by the online account management server 900 to receive (or select) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for a predetermined online account operation from the customer terminal. It is preferable to include a purchase payment interface of at least one or more Internet shopping malls (eg, online sales, auctions / reverse auctions, etc.).

In addition, the user interface provided by the online account management server 900 to receive (or select) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for a predetermined online account operation from the customer terminal. It is desirable to include a utility payment interface for at least one utility payment service.

In addition, the user interface provided by the online account management server 900 to receive (or select) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for a predetermined online account operation from the customer terminal. And a financial transaction interface for transferring a predetermined amount (eg, a small amount) from the online account (or a new account) to at least one or more other financial accounts.

The information receiving unit 915 inputs (or selects) predetermined prepaid card usage information and PIN and / or customer wireless terminal information for a predetermined online account operation through the user interface through the user interface through the network means. When the transmission, in conjunction with the interface unit 905 receives a predetermined prepaid card usage information and PIN and / or customer wireless terminal information for operating the online account, the predetermined for the received online account management Prepaid card usage information and PIN and / or customer wireless terminal information of the provides to the authentication processing unit 920.

The authentication processing unit 920 may be connected to a predetermined financial system through the predetermined prepaid card usage information (for example, a prepaid card number) for operating an online account received through the information receiving unit 915 on the rechargeable system on the financial system. Access to an online account (or a new account) processed with a prepaid card.

When accessing an online account (or a provisional account) processed by the rechargeable prepaid card on the financial system through the prepaid card use information (eg, a prepaid card number), the authentication processor 920 is connected to the received PN. Compare and authenticate the prepaid card PIN provided in the ledger corresponding to the online account (or the provisional account) processed with the rechargeable prepaid card, and / or the online processed with the received customer wireless terminal information and the rechargeable prepaid card. By comparing and authenticating customer wireless terminal information provided in the ledger corresponding to the account (or the provisional account), the non-face-to-face financial transaction for the online account (or the provisional account) is authenticated.

When the non-face-to-face financial transaction authentication of the online account (or a provisional account) processed by the authentication processing unit 920 with the rechargeable prepaid card, the online account management unit 925 performs the rechargeable prepaid according to the prepaid card operating procedure. At least one financial transaction corresponding to the online account (or a new account) processed by the card is characterized by processing.

According to an embodiment of the present invention, when the prepaid card number and the prepaid card charge amount are included in the prepaid card usage information, the online account manager 925 may prepaid the prepaid card to the rechargeable prepaid card in association with the financial system. It is characterized in that for charging the charge amount of the card, wherein charging the charge amount to the rechargeable prepaid card, deposit the amount corresponding to the prepaid card charge amount to the online account (or a new account) (or other financial It corresponds to a financial transaction).

In addition, when the prepaid card use information includes the prepaid card number and the prepaid card use amount, the online account manager 925 uses the prepaid card among the amounts charged in the rechargeable prepaid card in connection with the financial system. Characterized in that the balance is used, wherein the use of the prepaid card use of the amount charged to the rechargeable prepaid card, the prepaid card used amount of the amount deposited in the online account (or a new account) Corresponds to a financial transaction that withdraws (or transfers to another financial account) an amount corresponding to

When at least one financial transaction corresponding to the online account (or a provisional account) processed by the online prepaid account card 925 is processed, the ledger processing unit 930 includes the prepaid card usage history. Create a financial transaction history that can be stored in the transaction history defined in the ledger on the financial system, and the ledger (eg, rechargeable prepaid card) provided on the financial system the financial transaction history, including the prepaid card usage history It is characterized in that it is stored in the transaction history information corresponding to the online account (or the provisions of the new provisions corresponding to the new provisions account) processed as.

According to the present invention, when the at least one financial transaction corresponding to the online account (or false account) processed with the rechargeable prepaid card by the online account manager 925, the online account (or false account) A financial transaction error (or unprocessed) may occur due to a non-named account attribute of and / or a financial transaction error (or unprocessed) may occur due to a rechargeable prepaid card attribute.

For example, if there is a non-real name account restriction that limits the one-time and / or daily transaction amount of a non-real name account by law (or a financial institution policy in which the online account (or a new account) is opened), the online account ( Or if the one-time transaction amount and / or the daily transaction amount through a non-real name account exceeds a predetermined limit amount, the financial transaction corresponding to the online account (or false account) having the attribute of the non-real name account is the non-real name account. Constraints cause certain errors (or unprocessed).

Or, if there is a rechargeable prepaid card restriction that cannot be transacted through a rechargeable prepaid card by law (or a financial institution policy in which the online account (or provisional account) is opened), the online account (or provisional account) If you want to process a financial transaction that can be transacted with the prepaid card, a financial transaction corresponding to the online account (or a new account) with the rechargeable prepaid card attribute is subject to a predetermined error (or Untreated) occurs.

Therefore, the information verification unit 935 is the online account management unit 925 in the process of processing non-face-to-face financial transactions for the online account (or false account), the online account (or false account) of the Certain financial transaction errors (or unprocessed) occur due to non-real-name account constraints corresponding to non-real-name account attributes, and / or due to rechargeable prepaid card constraints corresponding to the rechargeable pre-paid card attributes of the online account (or false accounts) It is characterized by checking whether a predetermined financial transaction error (or unprocessed) occurs.

When the financial transaction restriction is confirmed by the non-real-name account attribute of the online account (or a provisional account) by the information confirming unit 935, the information transmission unit 940 determines the online account (or a provisional account). Generate predetermined financial transaction processing information for processing the non-real name account restriction of the through the messenger banking associated with the real name account, and generate the messenger banking interworking information corresponding to the online account (or a new account). The financial transaction processing information is transmitted to a messenger banking system shown in FIG. 23 through a predetermined communication means.

For example, when the non-real-name account constraint corresponding to the financial transaction exceeding the transaction limit of the non-real name account is confirmed by the information verification unit 935, the information transmission unit 940 may be set to an amount exceeding the transaction limit of the non-real name account. Generate predetermined financial transaction processing information for processing a corresponding financial transaction through the messenger banking system shown in FIG. 23, and generate the generated financial information through messenger banking linkage information corresponding to the online account (or a new account). A messenger server 950 for providing a messenger service corresponding to messenger interworking information associated with the online account (or a new account) on the messenger banking system shown in FIG. 23 through predetermined communication means; Or corresponding to the messenger interworking information associated with the online account (or a new account) in association with the messenger server 950. The messenger banking server providing at least one financial transaction service to the messenger banking customer corresponding to the messenger account information and / or the messenger account information corresponding to the messenger interworking information associated with the online account (or a new account). The messenger banking customer who logs in to the server 950 is sent to the messenger terminal provided with the messenger program.

Or, if the financial transaction restriction by the rechargeable prepaid card attribute of the online account (or a new account) is confirmed by the information confirming unit 935, the information transmitting unit 940 is the confirmed online account (or Generate predetermined financial transaction processing information for processing the rechargeable prepaid card restriction of a new account) through messenger banking associated with a predetermined real name account, and the messenger banking interworking information corresponding to the online account (or the new account); It is characterized in that for transmitting the generated financial transaction processing information through a predetermined communication means to the messenger banking system shown in FIG.

For example, if the rechargeable prepaid card restriction is confirmed by the information checking unit 935 due to insufficient charge amount of the online account (or the provisional account) corresponding to the rechargeable prepaid card, the information transmitting unit 940 is the rechargeable type. Generate predetermined financial transaction processing information for processing a financial transaction error (or unprocessed) caused by insufficient prepaid card charge amount through the messenger banking system shown in FIG. 23, and correspond to the online account (or a new account). A messenger corresponding to the messenger interworking information associated with the online account (or a new account) on the messenger banking system shown in FIG. 23 through a predetermined communication means by the generated financial transaction processing information through messenger banking interworking information; The online account (or provisional) in connection with the messenger server 950 and / or the messenger server 950 providing a service. Messenger banking server that provides at least one financial transaction service to a messenger banking customer corresponding to messenger account information corresponding to messenger link information associated with the messenger linked information and / or the messenger associated with the online account (or a new account). The messenger banking information of the messenger banking customer logged into the messenger server 950 is transmitted to the messenger terminal equipped with the messenger program corresponding to the linkage information.

According to an embodiment of the present invention, the information transmitter 940 corresponds to messenger interworking information associated with the online account (or a new account) on the messenger banking system (eg, the messenger banking system shown in FIG. 23). A messenger banking customer corresponding to messenger account information corresponding to messenger interworking information linked to the online account (or a new account) in connection with a messenger server 950 and / or the messenger server 950 that provides a messenger service A messenger banking customer logging into the messenger server 950 with a messenger banking server providing at least one financial transaction service and / or messenger account information corresponding to messenger interworking information associated with the online account (or a provisional account); Financial transaction processing information transmitted to a messenger terminal having a messenger program of (E.g., messenger account information and / or messenger linked account information) included in the messenger interworking information associated with (or a new account) and the financial transaction type, the financial transaction amount, and the financial object of the transaction through the online account (or the new account). It is preferable to include at least one or more account information.

10 is a diagram illustrating a process of interworking with messenger banking while operating an online account (or a new account) according to an embodiment of the present invention.

In more detail, FIG. 10 shows the online account (or a new account) during a financial transaction corresponding to an online account (or a new account) processed with a rechargeable prepaid card through the online account management system shown in FIG. If a financial transaction error (or unprocessed) occurs due to a non-real name account attribute and / or a prepaid card attribute, the financial transaction error (or unprocessed) will be handled through messenger banking associated with the online account (or a new account). Regarding the process of linking the online account (or a new account) and messenger banking, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to the rechargeable prepaid card. Various implementation methods for the process of linking with messenger banking among processed online accounts (or hidden accounts) may be inferred, but the present invention Includes all of the inferred implementation methods and is not limited to the implementation method illustrated in FIG. 10.

For example, one of ordinary skill in the art to which the present invention pertains may make online payments and / or utility payments through the amount in which the online account (or a temporary account) is deposited by referring to and / or modifying the drawing 10. Various implementation methods applied to at least one or more financial transactions such as may be inferred, but the present invention includes all the inferred application embodiments, and the present invention is not limited thereto.

Hereinafter, in FIG. 10, the online account management server shown in FIG. 9 is referred to as "server" for convenience, and the customer terminal shown in FIG. 9 is called "terminal" for convenience, and the customer wireless terminal information shown in FIG. For convenience, it is called "MIN (Mobile Identification Number)".

Referring to FIG. 10, the terminal accesses the server through a predetermined network means and corresponds to an online account (or a hidden account) processed with a rechargeable prepaid card through the online account processing system shown in FIG. When the non-face-to-face financial transaction is requested (1000), the server authenticates the transaction target financial account information, prepaid card information, transaction amount (or usage amount) and the non-face-to-face financial transaction corresponding to the requested non-face-to-face financial transaction. A predetermined web page including a user interface for inputting (or selecting) a PIN / MIN is generated (1005), and the generated web page is transmitted to the terminal through the network means (1010).

Thereafter, the terminal inputs the transaction target financial account information, prepaid card information, transaction amount (or use amount) and PIN / MIN for authenticating the non-face-to-face financial transaction through the user interface included in the web page ( Or 1015, and the PIN / MIN for authenticating the input (or selected) target financial account information, prepaid card information, transaction amount (or use amount) and the non-face-to-face financial transaction is selected from the network. Sending to the server via means (1020).

According to an embodiment of the present invention, the transaction target financial account information, prepaid card information, transaction amount (or usage amount) and PIN / MIN for authenticating the non-face-to-face financial transaction may include at least one encryption method (eg, a symmetric key). (Or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method, etc.), and then transmitted to the server. Target financial account information, prepaid card information, transaction amount (or usage amount) and PIN / MIN for authenticating the non-face-to-face financial transaction are at least one decryption method (eg, symmetric key (or secret key) encryption method) at the server. , And / or public key cryptography, and / or electronic envelope cryptography, and / or key exchange cryptography, etc.).

The server receiving the transaction target financial account information, prepaid card information, transaction amount (or use amount) and PIN / MIN for authenticating the non-face-to-face financial transaction, receives the received prepaid card information (eg, prepaid card number). Access (1025) an online account (or pseudonym account) processed with a rechargeable prepaid card on the financial system through the received PIN / MIN and an online account (or pseudonym account) processed with the accessed rechargeable prepaid card By comparing the PIN / MIN provided in the ledger corresponding to the), the validity of the PIN / MIN is confirmed (1030).

If the validity of the PIN / MIN is not authenticated (eg, the received PIN / MIN does not match the PIN / MIN on the ledger) (1035), the server generates the PIN / MIN validity error information. And transmits the requested withdrawal transaction to the terminal through the network means (1040).

On the other hand, if the validity of the PIN / MIN is authenticated (eg, if the received PIN / MIN and the PIN / MIN on the ledger match) (1035), the server corresponds to the online account (or a new account). During the financial transaction, it is determined whether at least one financial transaction error (or unprocessed) occurs corresponding to the non-blind account constraint and / or the rechargeable prepaid card constraint of the online account (or the provisional account) (1045).

For example, if there is a non-real name account restriction that limits the one-time and / or daily transaction amount of a non-real name account by law (or a financial institution policy in which the online account (or a new account) is opened), the online account ( Or if the one-time transaction amount and / or the daily transaction amount through a non-real name account exceeds a predetermined limit amount, the financial transaction corresponding to the online account (or false account) having the attribute of the non-real name account is the non-real name account. Constraints cause certain errors (or unprocessed).

Or, if there is a rechargeable prepaid card restriction that cannot be transacted through a rechargeable prepaid card by law (or a financial institution policy in which the online account (or provisional account) is opened), the online account (or provisional account) If you want to process a financial transaction that can be transacted with the prepaid card, a financial transaction corresponding to the online account (or a new account) with the rechargeable prepaid card attribute is subject to a predetermined error (or Untreated) occurs.

If at least one financial transaction error (or unprocessed) corresponding to the non-blind account constraint and / or the rechargeable prepaid card constraint of the online account (or a new account) does not occur (1050), the server is associated with the financial system. By using the rechargeable prepaid card (eg, an online account or a new account), a financial transaction using the transaction amount (or use amount) and / or target financial account information is processed (1055).

If a financial transaction procedure using the transaction amount (or use amount) and / or target financial account information is normally completed through the rechargeable prepaid card (eg, an online account or a new account) (1060), the server Generate a predetermined financial transaction history including a prepaid card usage history (e.g., an online account transaction or a new account transaction history) for the rechargeable prepaid card in association with the financial system; By recording the generated financial transaction details in the ledger (1065), a non-face-to-face financial transaction for the online account (or a new account) processed with the rechargeable prepaid card is completed.

If at least one financial transaction error (or unprocessed) occurs that corresponds to a non-blind account constraint and / or a rechargeable prepaid card constraint of the online account (or a new account) (1050), the server may request that the online account (or trail) A predetermined banking transaction processing information for resolving at least one or more financial transaction errors (or unprocessed) corresponding to the non-named account constraint and / or the rechargeable prepaid card constraint via messenger banking associated with the account (step 1070); In operation 1075, the generated financial transaction processing information is transmitted to the messenger banking system.

According to an embodiment of the present invention, when the financial transaction restriction by the non-real-name account attribute of the online account (or the provisional account) is confirmed, the server may apply the non-real name account restriction of the confirmed online account (or the provisional account). Generate predetermined financial transaction processing information for processing through messenger banking associated with a predetermined real name account, and generate the generated financial transaction processing information through messenger banking interworking information corresponding to the online account (or a new account). It is characterized in that the transmission via the predetermined communication means to the messenger banking system shown in FIG.

For example, if a financial transaction error (or unprocessed) occurs due to a non-real name account corresponding to a financial transaction exceeding a transaction limit of a non-real name account in the financial transaction process corresponding to the online account (or a new account), the server may Generate predetermined financial transaction processing information for processing a financial transaction corresponding to an amount exceeding a transaction limit of the non-real name account through the messenger banking system shown in FIG. 23, and correspond to the online account (or a new account). A messenger corresponding to the messenger interworking information associated with the online account (or a new account) on the messenger banking system shown in FIG. 23 through a predetermined communication means by the generated financial transaction processing information through messenger banking interworking information; The online server in association with the messenger server 950 and / or the messenger server 950 providing a service. A messenger banking server that provides at least one financial transaction service to a messenger banking customer corresponding to messenger account information corresponding to messenger interworking information associated with an account (or a temporary account) and / or the online account (or a false account) The messenger account information corresponding to the messenger interworking information associated with the message is transmitted to a messenger terminal provided with a messenger program of a messenger banking customer logged in the messenger server 950.

According to another exemplary embodiment of the present invention, when the financial transaction restriction by the prepaid card attribute of the online account (or the provisional account) is confirmed, the server may charge the prepaid account of the confirmed online account (or the provisional account). Generate predetermined financial transaction processing information for processing card restrictions through messenger banking associated with a predetermined real name account, and generate the generated finance through messenger banking linkage information corresponding to the online account (or a new account). The transaction processing information is transmitted to a messenger banking system shown in FIG. 23 through a predetermined communication means.

For example, in the financial transaction process corresponding to the online account (or a new account), a financial transaction error due to the limitation of the chargeable prepaid card due to insufficient amount of charge of the online account (or the new account) corresponding to the rechargeable prepaid card (or If no processing occurs, the server generates predetermined financial transaction processing information for processing a financial transaction error (or non-processing) caused by the insufficient amount of the prepaid rechargeable card through the messenger banking system shown in FIG. The generated financial transaction processing information through messenger banking interworking information corresponding to the online account (or a new account) is transferred to the online account (or a new account) on a messenger banking system shown in FIG. Messenger server 950 for providing a messenger service corresponding to messenger interworking information associated with Is a messenger banking server that provides at least one financial transaction service to a messenger banking customer corresponding to messenger account information corresponding to messenger interworking information linked to the online account (or a new account) in association with the messenger server 950. And / or to a messenger terminal provided with a messenger program of a messenger banking customer who has logged in to the messenger server 950 with messenger account information corresponding to messenger interworking information associated with the online account (or a new account).

According to an embodiment of the present invention, the server provides a messenger service corresponding to the messenger interworking information associated with the online account (or a new account) on the messenger banking system (for example, the messenger banking system shown in FIG. 23). At least one or more messenger banking customers corresponding to the messenger account information corresponding to the messenger interworking information associated with the online account (or a new account) in connection with the messenger server 950 and / or the messenger server 950. A messenger program of a messenger banking customer who logs in to the messenger banking server 950 with messenger banking server that provides a financial transaction service and / or messenger account information corresponding to messenger interworking information associated with the online account (or a provisional account). The financial transaction processing information transmitted to the provided messenger terminal is the online account (or Messenger account information (and / or messenger linked account information) included in the messenger interworking information associated with the relevant account) and the financial transaction type, financial transaction amount, transaction target financial account information, etc. It is preferable to include at least one.

11 is a diagram illustrating a process of linking an online account (or a new account) and messenger banking according to an embodiment of the present invention.

In more detail, FIG. 11 is shown in FIG. 23 from an online account management server 900 on the online account management system shown in FIG. 9 through the online account (or provisional account) operation process shown in FIG. Predetermined financial transaction processing information for resolving a financial transaction error (or unprocessed) caused by an unnamed account constraint of an online account (or a new account) and / or a rechargeable prepaid card constraint to a messenger server 950 on a messenger banking system. Is received, the messenger server 950 illustrates a process of linking the messenger banking with the online account (or a new account) to process a financial transaction corresponding to the financial transaction processing information through a predetermined messenger banking. For those of ordinary skill in the art to which the present invention pertains, the online account may be referred to and / or modified with reference to FIG. (Or a new account) and various implementation methods for the process of interworking messenger banking may be inferred, but the present invention includes all the implementation methods inferred above, and only the implementation method shown in FIG. The technical features are not limited.

For example, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 11 to process financial transaction information from the online account management server 900 on the online account management system shown in FIG. In addition to the messenger server 950, a component for receiving a messenger banking server on the messenger banking system illustrated in FIG. 23 (eg, a messenger associated with the online account (or a hidden account) in association with the messenger server 950). Messenger interworking associated with a messenger banking server that provides at least one financial transaction service to a messenger banking customer corresponding to the interworking information and / or a messenger terminal (eg, the online account (or a new account). A messenger program of a messenger banking customer logged into the messenger server 950 with messenger account information corresponding to the information. It is possible to infer an implementation method corresponding to a messenger terminal provided with a program), but the present invention includes all the implementation methods inferred.

Referring to FIG. 11, the messenger illustrated in FIG. 23 is transmitted from an online account operating server 900 on the online account operating system illustrated in FIG. 9 through an online account (or a new account) operating process illustrated in FIG. 10. Certain financial transaction processing information is sent to the messenger server 950 on the banking system to resolve financial transaction errors (or unprocessed) caused by non-blind account constraints and / or rechargeable prepaid card constraints of an online account (or a new account). In operation 1100, the messenger server 950 receives the financial transaction processing information from the online account management server 900 through a predetermined communication means.

According to an embodiment of the present invention, the financial transaction processing information may include messenger account information (and / or messenger link account information) included in messenger link information linked to the online account (or a provisional account) and the online account ( Or it is preferably made to include at least one or more financial transaction type, financial transaction amount, transaction target financial account information, etc. through a new account.

Thereafter, the messenger server 950 confirms the validity of the messenger member through messenger account information included in the financial transaction processing information (1105).

According to an embodiment of the present invention, the message server confirming the validity of the messenger member is included in the financial transaction processing information among the member information stored in the member information D / B on the messenger banking system shown in FIG. Checking whether there is a member information matching the messenger account information of the messenger member, thereby confirming whether a messenger member corresponding to the messenger account information included in the financial transaction processing information is a messenger member corresponding to the messenger server 950; It is characterized by comprising.

When the messenger member corresponding to the messenger account information included in the financial transaction processing information is identified as the messenger member corresponding to the messenger server 950, the message server processes the linkage with the messenger account information in the member information D / B. And confirming the stored messenger banking subscription information, the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 12 and / or 17. do.

According to another exemplary embodiment of the present invention, when the messenger banking subscription information is not stored in the member information D / B on the messenger banking system shown in FIG. 23, the message server is provided in the messenger banking server through the messenger banking operation unit. It is possible to check whether the messenger member is a messenger banking customer for payment using the messenger banking through the messenger banking information registration system shown in FIGS. 12 and / or 17, in conjunction with the storage medium. The present invention is not limited.

If the validity of the messenger member is not authenticated (1110), the messenger server 950 generates predetermined messenger member error information and transmits the messenger member error information to the online account management server 900 (1115). The online account management server 900 terminates the process of interworking the online account (or a new account) with the messenger banking.

On the other hand, if the validity of the messenger member is authenticated (1110), the messenger server 950 checks whether the messenger member whose validity has been authenticated has logged in to the messenger server 950 through a predetermined messenger program (1120).

According to an embodiment of the present invention, the messenger server 950 searches for the member information D / B on the messenger banking system shown in FIG. 23 based on the messenger account information of the messenger member included in the financial transaction processing information. It is preferable to check whether the messenger member whose validity has been confirmed is logged in by executing (or driving) a predetermined messenger program.

If the messenger member does not log in at the time when the financial transaction processing information is received from the online account management server 900 (1125), the message server sends the financial transaction processing information to the messenger account information of the messenger member. In connection with the member information matched with and stored in the member information D / B (1130), and then the financial transaction processing information stored in association with the member information is stored in the messenger member within a predetermined period of the predetermined messenger program ( Or drive) to log in, and is automatically transmitted to the messenger program and used to process a messenger banking service corresponding to the financial transaction processing information received from the online account management server 900.

On the other hand, if the messenger member executes (or runs) a predetermined messenger program based on the point in time at which the financial transaction processing information is received from the online account management server 900 (1125), the message server is the messenger. The financial transaction processing information is transmitted to the member's messenger program (1135), thereby providing a messenger banking service corresponding to the financial transaction processing information received from the online account management server 900.

12 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face financial transactions using a messenger corresponding to the other side of the present invention.

In more detail, Figure 12 illustrates a banking messenger banking information and messenger account information and a messenger linked account for a non-face-to-face financial transaction using a messenger according to the present invention as a messenger banking information registering system through a predetermined customer registration interface. When the messenger banking information including at least one information and customer information is provided, the messenger banking information, the messenger account information, the messenger association account information, and the customer information included in the messenger banking information provided by the messenger banking information registration system may be used. The present invention relates to a system structure for storing the data in a predetermined storage medium 1230 by linkage. If a person of ordinary skill in the art belongs to the present invention, a non-face-to-face finance using a messenger by referring to and / or modifying this drawing 12 Various configurations of messenger banking information registration system for transactions It would be able to infer when the method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 12.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer on the storage medium 1230 on a messenger banking information registration system shown in FIG. 12 through a predetermined information registration interface. The corresponding component is referred to as " information registration server 1200 " for convenience.

Referring to FIG. 12 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face financial transactions using a messenger according to the present invention includes a counter terminal 1245 provided at at least one branch of a financial institution. And an information registration terminal 1240, wherein the information registration terminal 1240 has a communication channel with an information registration server 1200 provided on the messenger banking information registration system through a predetermined financial network. Connected.

According to one embodiment of the present invention, the customer visits the financial institution branch for a non-face-to-face financial transaction using a messenger according to the present invention, and through a window (or through a teller) provided at the financial institution branch. Complete a prescribed application for non-face-to-face financial transactions using a messenger (e.g., a document with a form for filling in at least one information item for non-face-to-face financial transactions using a messenger), and send the completed application to the counter employee. Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal 1245, and the teller terminal 1245 sends the entered (or selected) information to the financial network. It is preferable to transmit to the information registration server 1200 provided on the messenger banking information registration system through.

Here, the teller terminal 1245 preferably includes an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 1200 connected to the teller terminal 1245 includes the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 1245 and the information registration server 1200 is a communication between the teller terminal 1245 and the information registration server 1200 It is preferable to include a network for connecting the channels.

In the messenger banking information registration system as described above, a financial network connecting the application form prepared by the customer and the teller terminal 1245 and the teller terminal 1245 and the information registration server 1200 used by the teller staff The customer performs a function of an information registration interface for registering messenger banking information for non-face-to-face financial transactions using a messenger according to the present invention.

The storage medium 1230 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 1240. And storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 1230 in a predetermined storage medium 1230. Messenger banking information including one or more is used for non-face-to-face financial transactions using a messenger according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1235 associated with a predetermined financial system is an MSN messenger server 1235, the information includes at least one or more pieces of information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 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 1235, 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

According to an embodiment of the present invention, the storage medium 1230 is 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). In this case, the storage medium 1230 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1230 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.

The information registration server 1200 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 1240 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 1240 is a window terminal 1245 connected to a predetermined financial network, the information registration server 1200 is the window terminal 1245 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 an embodiment of the present invention, the information registration server 1200 is provided with an interface unit 1205 for connecting and managing a predetermined communication channel with the information registration terminal 1240 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 1240 is a window terminal 1245 connected to a predetermined financial network, the interface unit 1205 is based on the protocol stack defined in the financial network. Connect a communication terminal 1245 and a predetermined communication channel, and provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program included in the window terminal 1245. It is desirable to.

Referring to FIG. 12, the information registration server 1200 interworks with the interface unit 1205 when a predetermined information registration terminal 1240 accesses the information registration server 1200 through the interface unit 1205. Interface providing unit 1210 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 1240 to the information registration terminal 1240. ), An information receiving unit 1215 that receives predetermined messenger banking information that is input (or selected) and transmitted from the information registration terminal 1240 through the user interface in association with the interface unit 1205, and the reception unit. Validation unit 1225 for checking the validity of the instant messenger banking information, and the banking messenger information and messenger account information included in the validated messenger banking information And an information storage unit 1220 for linking and processing the messenger linked account information and the customer information in a predetermined storage medium 1230.

The interface providing unit 1210 corresponds to a functional configuration provided in the information registration terminal 1240 when a predetermined information registration terminal 1240 is connected to the information registration server 1200 through the interface unit 1205. Generate (or select) the messenger banking information to generate a predetermined user interface that can be transmitted to the information registration server 1200 through the financial network, and / or extract from a predetermined database (not shown), The user interface generated (or extracted) in cooperation with the interface unit 1205 may be provided to the information registration terminal 1240 through the financial network.

Thereafter, the information registration terminal 1240 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 1200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1240 is a window terminal 1245 connected to a predetermined financial network, the interface providing unit 1210 is a financial transaction provided in the window terminal 1245. 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 counter terminal 1245 through the interface unit 1205.

The information receiving unit 1215 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger association account information, and customer information through the user interface at the information registration terminal 1240. When the data is transmitted through the financial network, the messenger banking information is received in association with the interface unit 1205 and the received messenger banking information is provided to the validity checker 1225.

The validity confirming unit 1225 checks whether the messenger banking information received from the information registration terminal 1240 satisfies the validity for non-face-to-face financial transactions using a messenger.

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 the non-face-to-face financial transaction services using a messenger 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 the function provided to provide a non-face-to-face financial transaction service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 1235 according to the present invention is referred to by the messenger server 1235 according to the present invention with reference to the messenger server 1235 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 1235 associated with the messenger banking system to provide a non-face-to-face financial transaction service using the messenger according to the present invention.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 1235 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 1235.

For example, the validity checker 1225 provides the messenger account information included in the messenger banking information to the messenger server 1235 corresponding to the messenger information for banking included in the messenger banking information, And by receiving a request for validation and the result thereof, preferably verifying that the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1235.

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face financial transaction service using the messenger linked account information and the messenger included in the messenger banking information; By comparison, 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 non-face-to-face financial transaction service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and the non-face-to-face financial transaction service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide a, to determine whether the customer corresponding to the customer information is a valid customer that can provide non-face-to-face financial transaction services using the messenger It is preferable.

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 customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face financial transaction service using the messenger, Preferably, the transaction authentication information includes checking whether the transactional authentication information is valid non-face-to-face financial transaction authentication information using the messenger.

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 may be used to provide confidentiality, authentication, integrity, and nonrepudiation for providing non-face-to-face financial transaction services using the messenger. 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.

When the validity of the messenger banking information is confirmed, the information storage unit 1220 associates the banking messenger information, the messenger account information, the messenger account information and the customer information included in the messenger banking information with the storage medium ( 1230, and when the storage medium 1230 is provided in the information registration server 1200 or on the network associated with the information registration server 1200, the information storage unit ( 1220 may be configured to process the banking messenger information, the messenger account information, the messenger account information, and the messenger association account information and the customer information included in the received messenger banking information in the storage medium 1230 and store the result in the storage medium 1230. ) Is provided in the DBMS provided on the financial system, the information storage unit 1220 is the banking messenger information included in the received messenger banking information and It is desirable to provide messenger account information, messenger linked account information, and customer information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

FIG. 13 is a diagram illustrating a 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 a non-face-to-face financial transaction using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 13, when the storage medium 1230 illustrated in FIG. 12 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. FIG. 13 illustrates an information configuration of an implementation method of storing messenger banking information including messenger account information, messenger linked account information, and customer information, and the present invention will be described with reference to FIG. 13. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the messenger banking information in the ledger D / B. However, the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method.

Referring to FIG. 13 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 you will be familiar with the specific technical matters, so the detailed description thereof is 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 , Passbook number, interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transaction number, interest transfer account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

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

Referring to FIG. 13, the messenger banking information provided through the messenger banking information registration system shown in FIG. 12 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 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial transaction service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1235 associated with a predetermined financial system is an MSN messenger server 1235, the information includes at least one or more pieces of information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 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 1235, 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger according to the present invention. It is characterized by.

In addition, the customer information preferably comprises the customer ID information and password registered in the financial system opened the messenger linked account.

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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 13 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. (1235) 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.

14 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B 1400 provided in a DBMS on a financial system in a face-to-face manner for a non-face-to-face financial transaction using a messenger according to another embodiment of the present invention. One drawing.

More specifically, FIG. 14 illustrates an information method of an embodiment in which the storage medium 1230 illustrated in FIG. 12 is stored in a predetermined database linked to the ledger D / B 1400 included in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 14 to associate the messenger banking information with the ledger D / B 1400 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 14, when it is not easy to store the messenger banking information in the ledger information of the ledger D / B 1400 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of a financial institution). It is not easy to change / B (1400), 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 (1400), The implementation method of linking and storing a database and the ledger D / B 1400 is illustrated.

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 14, 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. 14, the database may store and store banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information, wherein the messenger banking information is stored in the ledger. Preferably, the IM banking information further includes a CIF number corresponding to the ledger information in order to be linked to the D / B 1400.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1235 associated with a predetermined financial system is an MSN messenger server 1235, the information includes at least one or more pieces of information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 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 1235, 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 14 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database cooperatively processed with the ledger D / B 1400 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 1235 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 (1400), the customer information is the ledger This is because the D / B 1400 is already included in the customer ledger.

15 is a diagram illustrating the configuration of messenger banking information stored in a DBMS provided in a banking server in a face-to-face manner for a non-face-to-face financial transaction using a messenger according to another embodiment of the present invention.

More specifically, FIG. 15 shows that the storage medium 1230 shown in FIG. 12 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 with 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. However, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited to only.

Referring to FIG. 15, a predetermined DBMS provided in the banking server may store and store 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 1235 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1235 associated with a predetermined financial system is an MSN messenger server 1235, the information includes at least one or more pieces of information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 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 messenger ID information registered at 1235, 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 by this.

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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It is possible to further comprise, by which the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

16 illustrates a process of registering messenger banking information in a face-to-face manner according to an embodiment of the present invention.

More specifically, in FIG. 16, the information registration server 1200 on the messenger banking information registration system shown in FIG. 15 functions as a ledger server (not shown) on a financial system linked to a counter terminal 1245 through a predetermined financial network. In this case, the window terminal 1245 accesses the information registration server 1200 and connects a communication channel for registering messenger banking information according to the present invention, and then registers the information through the communication channel. When the messenger banking information including the banking messenger information, the messenger account information, the messenger association account information, and the customer information is transmitted to the server 1200, the information registration server 1200 is included in the received messenger banking information. An implementation method of linking and processing banking messenger information, messenger account information, messenger linked account information, and customer information in a predetermined storage medium 1405 As one of ordinary skill in the art to which the present invention pertains, various methods for registering the messenger banking information from the window terminal 1245 to the information registration server 1200 by referring to and / or modifying the drawing 16 may be used. 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. 16, the window terminal 1245 shown in FIG. 15 is referred to as a "terminal" for convenience, and the information registration server 1200 shown in FIG. 15 is referred to as a "server" for convenience, and the window terminal ( The banking messenger information, the messenger account information, the messenger linked account information, and the customer information transmitted to the information registration server 1200 in 1245 are referred to as "messenger banking information" for convenience.

Referring to FIG. 16, a window terminal 1245 shown in FIG. 15 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the messenger banking information, and uses a non-message using the messenger. When requesting registration of the messenger banking information for face-to-face financial transaction (1600), the server generates (or extracts) a predetermined information registration interface for registering the messenger banking information (1605) and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1610).

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) 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 (1615).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1235 associated with a predetermined financial system is an MSN messenger server 1235, the information includes at least one or more pieces of information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 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 1235, 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

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 (1620), the terminal is connected to the financial network. In operation 1625, the terminal transmits the messenger banking information including the inputted (or selected) messenger information for banking, messenger account information, messenger link account information, and customer information 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 (1630).

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 1400 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 the non-face-to-face financial transaction services using a messenger 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 the function provided to provide a non-face-to-face financial transaction service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 1235 according to the present invention is referred to by the messenger server 1235 according to the present invention with reference to the messenger server 1235 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 1235 associated with the messenger banking system to provide a non-face-to-face financial transaction service using the messenger according to the present invention.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 1235 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 1235.

For example, the validity checker 1225 provides the messenger account information included in the messenger banking information to the messenger server 1235 corresponding to the messenger information for banking included in the messenger banking information, And by receiving a request for validation and the result thereof, preferably verifying that the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1235.

In addition, the validation of the messenger banking information is provided in the ledger D / B 1400 on a financial system that provides a non-face-to-face financial transaction service using the messenger linked account information included in the messenger banking information and the messenger. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face financial transaction service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and the non-face-to-face financial transaction service using the messenger By comparing the customer ledger provided in the ledger D / B (1400) on the financial system to provide a, to confirm that the customer corresponding to the customer information is a valid customer that can provide non-face-to-face financial transaction services using the messenger It is preferable to comprise.

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 (1400) on the financial system that provides a non-face-to-face financial transaction service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

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 disclaimer for providing non-face-to-face financial transaction services using the messenger. 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 (1635), the server generates predetermined information registration error information and transmits it to the terminal (1640), 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 (1635), 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 1645, the data is stored in a predetermined storage medium 1405.

According to one embodiment of the invention, the storage medium 1405 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 1405 may be a ledger D / B 1400 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1400, thereby the invention This is not limited.

According to another method of the present invention, the storage medium 1405 is provided with (or associated with) at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on 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 (1650), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

17 is a diagram illustrating a non-face-to-face messenger banking information registration system for non-face-to-face financial transactions using a messenger corresponding to the other side of the present invention.

In more detail, Fig. 17 is a system for registering a messenger banking information through a predetermined information registration interface for a non-face to face financial transaction using a messenger according to the present invention. And when the messenger banking information including at least one customer information is provided, the messenger banking information included in the messenger banking information provided by the messenger banking information registration system, the messenger account information, the messenger account information, and the messenger association account information and the customer information. A system configuration for processing and storing in a predetermined storage medium 1730, and those skilled in the art to which the present invention pertains, non-face-to-face financial transactions using a messenger by referring to and / or modifying the drawing 17 Various configuration of messenger banking information registration system for It would be able to infer when the method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 17.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer on the storage medium 1730 on a messenger banking information registration system shown in FIG. 17 through a predetermined information registration interface. The corresponding component is referred to as " information registration server 1700 " for convenience.

Referring to FIG. 17 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face financial transactions using a messenger according to the present invention includes at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 1740 including at least one client terminal and the like, wherein the information registration terminal 1740 is provided on the messenger banking information registration system through a predetermined network means. The communication channel is connected to the registration server 1700.

According to an embodiment of the present invention, the customer accesses the information registration server 1700 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, When the messenger banking information for non-face-to-face financial transactions using the messenger according to the present invention is input (or selected) through at least one user interface provided by the information registration server 1700, a predetermined network means is provided by the client terminal. It is preferable to transmit to the information registration server 1700 provided on the messenger banking information registration system through.

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 at least one kiosk (KIOSK) connected to the TCP / IP-based communication network 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.

Also, the information registration server 1700 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 100 for registering the information.

In addition, the network means for connecting the client terminal and the information registration server 1700 may be 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 1700, and inputs and / or selects at least one or more information through the user interface to the information registration server 1700. 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 1700) is provided.

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

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 1700. The network and / or wireless network performs the function of an information registration interface for the customer to register messenger banking information for non-face-to-face financial transactions using the messenger according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 1740 may include 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 above messenger banking information registration system, when the information registration terminal 1740 is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) and the The financial network connecting the information registration server 1700 performs a function of an information registration interface for registering the messenger banking information for non-face-to-face financial transactions using the messenger according to the present invention, and / or registering the information. When the terminal 1740 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1700 may be used. Perform a function of an information registration interface for a customer to register messenger banking information for a non-face-to-face financial transaction using a messenger according to the present invention, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, which is the lock terminal 1740, the terminal (and / or server) (not shown) and the terminal (and / or server). (Not shown) and the network connecting the information registration server 1700 perform a function of an information registration interface for the customer to register messenger banking information for a face-to-face financial transaction using a messenger according to the present invention.

The storage medium 1730 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 1740. And storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 1730 in a predetermined storage medium 1730. Messenger banking information including one or more is used for non-face-to-face financial transactions using a messenger according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1735 associated with a predetermined financial system is the MSN messenger server 1735, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

According to an embodiment of the present invention, the storage medium 1730 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). In this case, the storage medium 1730 may be a ledger D / B provided in a DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 1730 is provided with (or associated with) at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on 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 1700 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 1740 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 1740 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 1700. 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 is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1700 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 1740 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1700 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 on the system, and / or a program provided in the external world on the financial system, thereby limiting the present invention. It does.

According to another embodiment of the present invention, when the information registration terminal 1740 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 1700 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 an embodiment of the present invention, the information registration server 1700 is characterized by comprising an interface unit 1705 for connecting and managing a predetermined communication channel with the information registration terminal 1740 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1740 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 1705 is 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 a 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 1705 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 1700, the interface unit 1705 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 1740 is a financial automation device connected to a predetermined financial network, the interface unit 1705 may be configured based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with an automation device and 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 1740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1705 is 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 1705 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 1700, the interface unit 1705 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 1740 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1705 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1705 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1705 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. 17, the information registration server 1700 interworks with the interface unit 1705 when a predetermined information registration terminal 1740 connects to the information registration server 1700 through the interface unit 1705. Interface providing unit 1710 that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 1740 to the information registration terminal 1740. And an information receiver 1715 receiving predetermined (or selected) messenger banking information transmitted from the information registration terminal 1740 through the user interface in connection with the interface unit 1705, and the reception. Linking the banking messenger information, the messenger account information, the messenger linked account information, and the customer information included in the messenger banking information to be stored in a predetermined storage medium 1730. An information storage unit 1720 is provided.

The interface providing unit 1710 corresponds to a functional configuration provided in the information registration terminal 1740 when a predetermined information registration terminal 1740 is connected to the information registration server 1700 through the interface unit 1705. Generate (or select) the messenger banking information and transmit it to the information registration server 1700 via the network means, and / or extract from a predetermined database (not shown), The user interface generated (or extracted) in cooperation with the interface unit 1705 may be provided to the information registration terminal 1740 through the network means.

Thereafter, the information registration terminal 1740 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 1700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1740 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 1710. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1705 to the client terminal. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a financial automation device connected to a predetermined financial network, the interface providing unit 1710 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 1705.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1710 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 1705.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1710 may include the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and the user terminal (eg, ARS based user interface) generated (or extracted) through the interface unit 1705 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1740 is a wired terminal (or bidirectional digital TV) connected to a TV banking system, the interface provider 1710 may provide the wired terminal (or bidirectional 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 1705. .

The information receiving unit 1715 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger association account information, and customer information through the user interface at the information registration terminal 1740. In the case of transmitting through the network means, the messenger banking information is received in association with the interface unit 1705 and the received messenger banking information is provided to the validity check unit 1725.

The validity checking unit 1725 checks whether the messenger banking information received from the information registration terminal 1740 satisfies the validity for non-face-to-face financial transactions using a messenger.

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 the non-face-to-face financial transaction services using a messenger 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 the function provided to provide a non-face-to-face financial transaction service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 1735 according to the present invention is referred to by the messenger server 1735 with reference to the messenger server 1735 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 1735 associated with the messenger banking system to provide a non-face-to-face financial transaction service using the messenger 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 1735 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 1735.

For example, the validity checking unit 1725 provides the messenger account information included in the messenger banking information to the messenger server 1735 corresponding to the messenger information for banking included in the messenger banking information, And by receiving a request for validation and the result thereof, preferably verifying that the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1735.

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face financial transaction service using the messenger linked account information and the messenger included in the messenger banking information; By comparison, 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 non-face-to-face financial transaction service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and the non-face-to-face financial transaction service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide a, to determine whether the customer corresponding to the customer information is a valid customer that can provide non-face-to-face financial transaction services using the messenger It is preferable.

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 customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face financial transaction service using the messenger, Preferably, the transaction authentication information includes checking whether the transactional authentication information is valid non-face-to-face financial transaction authentication information using the messenger.

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 may be used to provide confidentiality, authentication, integrity, and nonrepudiation for providing non-face-to-face financial transaction services using the messenger. 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.

When the validity of the messenger banking information is confirmed, the information storage unit 1720 associates banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information to process the storage medium ( 1730, and when the storage medium 1730 is provided in the information registration server 1700 or on the network associated with the information registration server 1700, the information storage unit ( In operation 1720, 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 1730. ) Is provided in the DBMS provided on the financial system, the information storage unit 1720 is provided with the banking messenger information included in the received messenger banking information; It is desirable to provide messenger account information, messenger linked account information, and customer information to the information system through an external system on the financial system and store the information in a DBMS provided on the financial system.

18 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 non-face-to-face for non-face-to-face financial transactions using a messenger according to an embodiment of the present invention.

More specifically, in FIG. 18, when the storage medium 1730 illustrated in FIG. 17 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. FIG. 18 illustrates an information configuration of an exemplary method of storing messenger banking information including messenger account information, messenger linked account information, and customer information, and the present invention will be appreciated by those skilled in the art. By referring to and / or modifying the present invention, it is possible to infer various information construction methods for storing the messenger banking information in the ledger D / B. However, the present invention includes all the inferred implementation methods, as shown in FIG. It is not limited only to the implementation method.

Referring to Figure 18 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, 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 / In addition to the customer ledger and the account ledger shown in FIG. 18, B further includes at least one ledger (e.g., a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

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

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

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. 18, the messenger banking information provided through the messenger banking information registration system shown in FIG. 17 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 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1735 associated with a predetermined financial system is the MSN messenger server 1735, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 18 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 1735 information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for cooperatively processing the messenger banking information with the account ledger. The messenger linked account information included in banking 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. Because.

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.

19 is a messenger banking information structure stored in a database associated with the ledger D / B (1900) provided in the DBMS on the financial system in a non-face-to-face for non-face-to-face financial transactions using a messenger according to another embodiment Figure is shown.

More specifically, in FIG. 19, the storage medium 1730 illustrated in FIG. 17 is stored in a predetermined database linked to a ledger D / B 1900 included in a DBMS on a financial system. As shown in the drawings, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify this drawing 19 to associate the messenger banking information with the ledger D / B 1900 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.

Particularly, in FIG. 19, when it is not easy to store the messenger banking information in the ledger information of the ledger D / B 1900 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger of the DBMS / B (1900) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), the messenger banking information is stored in a predetermined database instead of the ledger D / B (1900), The implementation method of linking and storing a database and the ledger D / B 1900 is illustrated.

Further, the database shown in FIG. 19 does not have to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 19, and a 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. 19, 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. In order to be associated with the D / B 1900, the messenger banking information may further include a CIF number corresponding to the ledger information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1735 associated with a predetermined financial system is the MSN messenger server 1735, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face finance using the messenger. Characterized in that it comprises an account number that provides a transaction service, according to an embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

Referring to FIG. 19 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database cooperatively processed with the ledger D / B 1900 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 1735 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 (1900), the customer information is This is because it is already included in the customer ledger provided in the ledger D / B 1900.

20 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 non-face-to-face financial transactions using a messenger according to another embodiment of the present invention.

In more detail, FIG. 20 shows that the storage medium 1730 illustrated in FIG. 17 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. One embodiment is provided in the DBMS provided in a predetermined banking server provided on the above, if one of ordinary skill in the art to which the present invention pertains, at least one by referring to and / or modified in this figure 20 The method of constructing information on the 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. 20, a predetermined DBMS provided in the banking server is configured to store 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 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1735 associated with a predetermined financial system is the MSN messenger server 1735, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

21 is a diagram illustrating a process of registering messenger banking information in a non-face to face manner for non-face-to-face financial transactions using a messenger according to one embodiment of the present invention.

In more detail, FIG. 21 shows a case where the information registration server 1700 on the messenger banking information registration system shown in FIG. 20 has a function of a web server 100 to which a client terminal can be connected through a predetermined network means. After the client terminal accesses the information registration server 1700 and connects a communication channel for registering messenger banking information according to the present invention, the messenger information for banking and the banking messenger information are transmitted to the information registration server 1700 through the communication channel. When the messenger banking information including messenger account information, messenger link account information, and customer information is transmitted, the messenger information for banking and messenger account information included in the received messenger banking information are linked by the information registration server 1700. The present invention relates to an implementation method of linking account information and customer information to a predetermined storage medium 1730. For those of ordinary skill in the art to which the present invention pertains, various implementation methods of registering the messenger banking information from the client terminal to the information registration server 1700 by referring to and / or modifying the drawing 21 are provided. It may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 21, the client terminal shown in FIG. 20 is referred to as a "terminal" for convenience, and the information registration server 1700 shown in FIG. 20 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 1700 are referred to as "messenger banking information" for convenience.

Referring to FIG. 21, when the client terminal illustrated in FIG. 20 is a predetermined network means (eg, the client terminal is a wired terminal 1750), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1745. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, and the like, connects a predetermined communication channel for registering the messenger banking information, and uses a non-face-to-face financial transaction using the messenger. When requesting to register the messenger banking information for the server (2100), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the messenger banking information (2105), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (2110).

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) 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 (2115).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, the MSN messenger of Microsoft Corporation, and provides a non-face-to-face financial transaction service using the messenger. In order to verify that the messenger server 1735 associated with a predetermined financial system is the MSN messenger server 1735, the information includes at least one or more information.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-faceted finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

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 (2120), 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 2125.

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 (2130).

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 1900 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 the non-face-to-face financial transaction services using a messenger 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 the function provided to provide a non-face-to-face financial transaction service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 1735 is a messenger according to the present invention with reference to the messenger server 1735 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 1735 associated with the messenger banking system to provide a non-face-to-face financial transaction service using the messenger according to the present invention based on a banking system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 1735 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 1735.

For example, the validity checking unit 1725 provides the messenger account information included in the messenger banking information to the messenger server 1735 corresponding to the messenger information for banking included in the messenger banking information, And by receiving a request for validation and the result thereof, preferably verifying that the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1735.

In addition, the validation of the messenger banking information is provided in the ledger D / B (1900) on the financial system that provides the non-face-to-face financial transaction services using the messenger linked account information and the messenger included in the messenger banking information. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face financial transaction service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and the non-face-to-face financial transaction service using the messenger By comparing the customer ledger provided in the ledger D / B (1900) on the financial system to provide a, to confirm that the customer corresponding to the customer information is a valid customer that can provide non-face-to-face financial transaction services using the messenger It is preferable to comprise.

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 (1900) on the financial system that provides a non-face-to-face financial transaction service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

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 may be used to provide confidentiality, authentication, integrity, and nonrepudiation for providing non-face-to-face financial transaction services using the messenger. 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 (2135), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2140), and the 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 (2135), 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. The linkage process is stored in the predetermined storage medium 1905 (2145).

According to an embodiment of the present invention, the storage medium 1905 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 1905 may be a ledger D / B 1900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1900, thereby the invention This is not limited.

According to another method of the present invention, the storage medium 1905 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 (2150), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

22A and 22B illustrate a process of registering messenger banking information in a non-face to face manner for non-face-to-face financial transactions using a messenger according to another exemplary embodiment of the present invention.

22A and 22B illustrate more specifically, in the case where the messenger banking information registration system illustrated in FIG. 20 is realized through an internet banking system among non-face-to-face channel-based banking systems, the client terminal is a TCP / IP-based network. After accessing the Internet banking server through the Internet (eg, the Internet) and performing a predetermined customer authentication procedure, the client terminal sends predetermined messenger banking information for non-face-to-face financial transactions using the messenger to the Internet banking server. When the messenger banking information including banking messenger information, messenger account information, messenger linked account information, and customer information is transmitted, the messenger information for banking included in the received messenger banking information is received from the information registration server 1700; Messenger account information, messenger linked account information and customer information A method of storing the information in the storage medium 1905 of the present invention. Those skilled in the art may refer to and / or modify the drawings 22a and 22b to register the information in the client terminal. Various implementation methods for registering the messenger banking information with the server 1700 may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 22A and 22B. .

That is, the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 22A and 22B. 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. 22a and 22b. Banking Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes an internet banking-based financial transaction provided based on the internet banking program, thereby limiting the present invention. Not.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIGS. 22A and 22B, and in addition to the Internet banking system, 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 non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in 22b.

22a and 22b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1700 is referred to as " server " for convenience.

22A and 22B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2200a), the server communicates between the terminal and the server through the browser. (2205a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the client terminal and transmitted to the client terminal, 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 (2210a).

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 installed and / or updated in the terminal (2215a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And install and / or update (2220a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (2225a), or if the terminal does not need to install and / or update the security module for internet banking (2215a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the Internet banking security channel (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (2230a), where the security for the 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 provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the 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 using 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)). Or a communication channel for decoding the information (or data) with a decoding algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2235a).

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 (2240a), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face channel based financial transaction based on the customer authentication data received from the terminal. (2245a).

If the Internet banking customer authentication fails (2250a), the server blocks the Internet banking secure channel for the terminal (2255a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2250a), 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 (2260a), where the Internet banking based The financial transaction channel refers to a communication channel through which the terminal can transmit and register predetermined messenger banking information for non-face-to-face financial transactions using a messenger from the terminal.

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 (2200b), the server provides a predetermined number for registering the messenger banking information. A web page corresponding to the information registration interface is generated (or extracted) (2205b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (2210b).

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 authenticator) Preferably further comprising 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 (2215b).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1735 information corresponding to an instant messenger (or P2P program) for providing a non-face-to-face financial transaction service using a messenger 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 non-face-to-face financial transaction service using the messenger, which is the MSN messenger of Microsoft Corporation, and uses a non-face-to-face financial transaction service using the messenger. It includes at least one information that can be confirmed that the messenger server 1735 associated with a predetermined financial system to provide a MSN messenger server 1735 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1735 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 a messenger ID information registered in 1735), 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 non-face-to-face financial transaction service using a messenger according to the present invention, and the messenger linked account information includes non-face-to-face finance using the messenger. It characterized in that it comprises an account number that provides a transaction service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account, etc. It may be further included, whereby the present invention is not limited.

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 a non-face-to-face financial transaction service using a messenger 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 a non-face-to-face financial transaction service using the messenger. 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 may be messenger banking for non-face-to-face financial transactions using the messenger. It is preferable to include at least one or more ID / PW information and / or public certificate information and / or security card information and / or OTP (One Time Password) generator information.

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 (2220b), the terminal is the financial entity. The input (or selected) messenger banking information is transmitted to the server through a transaction channel (2225b).

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 (2230b).

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 1900 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 the non-face-to-face financial transaction services using a messenger 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 the function provided to provide a non-face-to-face financial transaction service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger server 1735 is a messenger according to the present invention with reference to the messenger server 1735 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 1735 associated with the messenger banking system to provide a non-face-to-face financial transaction service using the messenger according to the present invention based on a banking system.

In addition, the validity of the messenger banking information is determined by the messenger account through the messenger server 1735 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 1735.

For example, the validity checking unit 1725 provides the messenger account information included in the messenger banking information to the messenger server 1735 corresponding to the messenger information for banking included in the messenger banking information, And by receiving a request for validation and the result thereof, preferably verifying that the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1735.

In addition, the validation of the messenger banking information is provided in the ledger D / B (1900) on the financial system that provides the non-face-to-face financial transaction services using the messenger linked account information and the messenger included in the messenger banking information. Comparing with the account ledger, it is preferable to include checking whether the messenger linked account information is valid messenger linked account information capable of providing a non-face-to-face financial transaction service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer information included in the messenger banking information and the non-face-to-face financial transaction service using the messenger By comparing the customer ledger provided in the ledger D / B (1900) on the financial system to provide a, to confirm that the customer corresponding to the customer information is a valid customer that can provide non-face-to-face financial transaction services using the messenger It is preferable to comprise.

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 (1900) on the financial system that provides a non-face-to-face financial transaction service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

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 may be used to provide confidentiality, authentication, integrity, and nonrepudiation for providing non-face-to-face financial transaction services using the messenger. 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 (2235b), the server generates a web page including predetermined messenger banking information registration error information and transmits it to the terminal (2240b) 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 (2235b), 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 with the messenger account information. The account information and the customer information are cooperatively processed and stored in the predetermined storage medium 1905 (2245b).

According to an embodiment of the present invention, the storage medium 1905 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 1905 may be a ledger D / B 1900 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1900, thereby the invention This is not limited.

According to another method of the present invention, the storage medium 1905 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 the generated webpage to the terminal (2250b), thereby completing the registration of the messenger banking information transmitted from the terminal.

FIG. 23 is a diagram illustrating a messenger banking system configuration for financial transactions associated with an online account (or a provisional account) corresponding to the other side of the present invention.

More specifically, FIG. 23 shows the online account (or a new account) to a customer who registers the messenger banking information on a predetermined storage medium 2395 through the messenger banking information registration system shown in FIGS. 12 and / or 17. A messenger banking system for providing a messenger banking service for a financial transaction associated with the same, and specifically, a storage medium 2395 for storing the messenger banking information includes the messenger banking system as shown in FIGS. 4 and / or 9. To an implementation method provided in the DBMS on the image.

Those skilled in the art to which the present invention pertains, various implementation methods for the configuration of a messenger banking system for financial transactions linked to the online account (or a new account) by referring to and / or modified in this figure 23 Although it can be inferred, the present invention includes all the implementation methods inferred, 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, a storage medium 2395 for storing the messenger banking information by referring to and / or modifying the drawing 23 is a non-face-to-face messenger banking service. A messenger for a financial transaction associated with the online account (or a provisional account), if stored in the ledger D / B on the financial system that provides and / or stored in a predetermined database associated with the ledger D / B. Various messenger banking system configurations for providing a banking service may be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to FIG. 23 according to an embodiment of the present invention, a messenger banking system for financial transactions associated with an online account (or a provisional account) includes a messenger having a messenger program 2305 used by at least one messenger customer. A messenger server 2315 for providing at least one messenger service to the messenger customer in connection with the terminal 2300 and the messenger program 2305 included in the messenger terminal 2300; A messenger banking server 2360 that provides a non-face-to-face messenger banking service to at least one messenger customer by using the messenger banking information registered in a predetermined storage medium 2395 through the messenger banking information registration system shown in 17. And at least one messenger banking-based non-face-to-face financial transaction processed by the messenger banking server 2360. Is characterized in that it comprises a financial system, and operates at least one or more online accounts (or new accounts) opened through the online account processing system shown in Figure 1, the online account (or new accounts) When a financial transaction error (or unprocessed) corresponding to a non-real name account attribute and / or a rechargeable prepaid card attribute of the transaction is generated, the messenger server generates predetermined financial transaction processing information for processing the financial transaction error (or unprocessed) through messenger banking. It is characterized in that it comprises at least one or more online account management server (2355) provided to (2315).

According to an embodiment of the present invention, the financial transaction processing information may include messenger account information (and / or messenger link account information) included in messenger link information linked to the online account (or a provisional account) and the online account ( Or it is preferably made to include at least one or more financial transaction type, financial transaction amount, transaction target financial account information, etc. through a new account.

The messenger terminal 2300 connects to the messenger server 2315 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network to provide at least one messenger service (eg, text chat, voice chat). And at least one desktop computer and / or notebook computer having a messenger program 2305 that provides image chat, message exchange, file exchange, mailing, friend searching, etc.).

Alternatively, the messenger terminal 2300 connects to the messenger server 2315 through a network means including a code division multiple access (CDMA) based wireless communication network, thereby providing 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 2305 providing 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 2300 is connected to the messenger server 2315 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 2305 for file exchange, mailing, friend searching, etc.).

In addition, the messenger terminal 2300 connects to the messenger server 2315 through a network means including an IEEE 802.11x-based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, and message exchange). , At least one wireless LAN terminal having a messenger program 2305 for exchanging files, sending mail, searching for friends, and the like.

In addition, the messenger terminal 2300 is connected to the messenger server 2315 via a network means including a DataTAC method of Motorola, or a Mobitex method of Erricson, or at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 2305 for chatting, video chatting, message exchange, file exchange, mailing, friend searching, etc.).

According to the present invention, the messenger terminal 2300 is a predetermined messenger banking module interworking with the messenger program 2305 for non-face-to-face messenger banking for financial transactions associated with the online account (or a provisional account). And a messenger banking module 2310 associated with the online account (or a new account) in association with the messenger program 2305 provided in the messenger terminal 2300. It is characterized by providing a non-face-to-face messenger banking service for financial transactions.

According to the exemplary embodiment of the present invention, the messenger banking module 2310 transmits the messenger terminal 2300 to the messenger banking server 2360 for a financial transaction associated with the online account (or a new account). And encrypting the transaction request information and / or decrypting the financial transaction response information received from the messenger banking server 2360.

In addition, the messenger banking module 2310 electronic signature to the financial transaction request information transmitted from the messenger terminal 2300 to the messenger banking server 2360 for a financial transaction associated with the online account (or a new account). And / or an electronic signature function for confirming the electronic signature attached to the financial transaction response information received from the messenger banking server 2360.

In addition, the messenger banking module 2310 is included in the financial transaction request information transmitted from the messenger terminal 2300 to the messenger banking server 2360 for a financial transaction associated with the online account (or a provisional account). It is preferred to include the function of generating at least one OTP code.

In addition, the messenger banking module 2310 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 ( 2300 or a memory provided in an integrated circuit (IC) chip that is read through a predetermined card reader provided in the messenger terminal 2300).

The messenger server 2315 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 2300. Based on the predetermined member information D / B for authentication and the messenger account information received from the messenger terminal 2300 which executes (or drives) the messenger program 2305 in association with the member information D / B. And a messenger member authentication unit 2325 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 2315, 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 confirms whether the messenger customer has subscribed to the messenger banking service provided by the financial system through the messenger banking information registration system shown in FIGS. 12 and / or 17. It is preferably made further comprises a messenger banking subscription information.

According to the exemplary embodiment of the present invention, when the messenger account information including the messenger ID information and the messenger password is received from the messenger terminal 2300 that executes (or drives) the messenger program 2305, the messenger member authentication unit 2325 ) 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 process of the messenger member authentication unit 2325 compares the messenger account information received from the messenger terminal 2300 with messenger account information provided in the member information D / B. Is preferably performed when the messenger terminal 2300 executes (or drives) the messenger program 2305 for the first time and logs in to the messenger server 2315. Also, the messenger terminal 2300 performs the messenger program 2300. At least one non-face-to-face messenger banking request through 2305 is preferably performed in response to the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 2325 is successful, the messenger server 2315 may include a messenger program 2305 provided in at least one messenger terminal 2300 in which the member authentication is successful. Character chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc. characterized in that it comprises a messenger operation unit (2335) for operating 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 2305 provided in the at least one messenger terminal 2300. 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. 23, the messenger server 2315 provides a messenger banking service for a financial transaction associated with the online account (or a new account) in connection with the messenger banking server 2360 through a predetermined communication means. Characterized in that comprises a messenger banking operation unit 2320.

When the messenger member authentication through the messenger member authentication unit 2325 succeeds, the messenger banking operation unit 2320 is connected to the messenger account information of the messenger member and stored in the member information D / B. Read the information and check whether the messenger member subscribes to the messenger banking service provided by the financial system through the messenger banking information registration system shown in FIGS. 12 and / or 17; When it is confirmed that the subscriber has subscribed to the messenger banking service, the messenger banking manager 2320 activates the messenger banking function of the messenger program 2305 provided in the messenger terminal 2300 in association with the messenger manager 2335. It is characterized by.

For example, when a messenger banking icon and / or a messenger banking menu are provided in the user interface of the messenger program 2305 provided in the messenger terminal 2300, the messenger banking operation unit 2320 is configured as the messenger operation unit. It is preferable to activate the messenger banking icon and / or messenger banking menu in the messenger program 2305 included in the messenger terminal 2300 in association with 2335.

In addition, when the messenger member authentication through the messenger member authentication unit 2325 succeeds (eg, the messenger terminal 2300 is first executed by the messenger banking operation unit 2320) (or The messenger member authentication performed when logging in to the messenger server 2315, and / or at least one non-face-to-face messenger banking through the messenger program 2305 in the messenger terminal 2300. When the messenger member authentication performed at the request is successful), the messenger member authentication result is transmitted to the messenger banking server 2360 through a predetermined communication means.

According to an exemplary embodiment of the present invention, the messenger banking server 2360 may be configured for the messenger association account based on the messenger member authentication result received from the messenger banking operation unit 2320 provided in the messenger server 2315. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

According to the present invention, the messenger server 2315 is connected with the online account management server 2355 through a predetermined communication means in order to interwork the messenger banking with the online account (or a new account). Receive predetermined financial transaction processing information from the account management server 2355, and query the member information stored in the member information D / B based on the messenger account information included in the financial transaction processing information to validate the messenger member. And confirming the validity of the messenger member, interworking to process the financial transaction processing corresponding to the financial transaction processing information through the messenger program 2305 provided in the messenger terminal 2300 used by the messenger member. The banking interworking unit 2340 and the messenger member whose validity is confirmed execute (or drive) a predetermined messenger program 2305. Check whether the user is logged in, and when the messenger member logs in, the financial transaction processing information is transmitted to the messenger program 2305 of the messenger member so as to process the financial transaction. When the messenger member does not log in by executing (or driving) a predetermined messenger program 2305, when the messenger member logs in, the financial transaction processing information is transmitted to the messenger program 2305 of the messenger member. And an information storage unit 2350 for processing the financial transaction processing information in association with the member information of the messenger member and storing the financial transaction processing information in the member information D / B.

The banking interworking unit 2340 is connected to at least one online account management server 2355 through a predetermined network means, and receives the financial transaction processing information transmitted from the online account management server 2355. And verifying the validity of the messenger member by querying the member information stored in the member information D / B based on the messenger account information of the messenger member included in the financial transaction processing information.

Herein, the financial transaction processing information may include messenger account information (and / or messenger link account information) included in the messenger link information associated with the online account (or a new account) and the online account (or a new account). It is preferable to include at least one or more types of financial transactions, financial transaction amount, transaction target financial account information.

The banking interworking unit 2340 confirming the validity of the messenger member includes member information matching the messenger account information of the messenger member included in the financial transaction processing information among the member information stored in the member information D / B. And checking whether a messenger member corresponding to the messenger account information included in the financial transaction processing information is a messenger member corresponding to the messenger server 2315.

When the messenger member corresponding to the messenger account information included in the financial transaction processing information is identified as the messenger member corresponding to the messenger server 2315, the banking linkage unit 2340 may display the messenger account in the member information D / B. By checking the messenger banking subscription information stored in association with the information, the messenger member is connected to the online account (or a new account) through the messenger banking information registration system shown in FIGS. 12 and / or 17. Messenger banking for the customer characterized in that the check.

According to another embodiment of the present invention, when the messenger banking subscription information is not stored in the member information D / B, the banking interworking unit 2340 is connected to the messenger banking server 2360 through the messenger banking operation unit 2320. In connection with the storage medium 2395 provided in the above), the messenger member for a financial transaction associated with the online account (or a new account) through the messenger banking information registration system shown in FIGS. 12 and / or 17 is shown. It is possible to confirm whether or not a messenger banking customer, by which the present invention is not limited.

When the validity of the messenger member is confirmed, the banking interworking unit 2340 provides the financial transaction processing information to the interworking processing unit 2345 to provide the financial transaction processing corresponding to the financial transaction processing information with the messenger member. It is characterized in that the interlocking to process through the messenger program 2305 provided in the messenger terminal 2300 used, and transmits the result to the online account management server (2355).

The interworking processing unit 2345 searches for the member information D / B based on the messenger account information of the messenger member included in the financial transaction processing information, and the messenger member whose validity is confirmed is selected by the messenger program 2305. Run (or drive) to check whether the login.

If the messenger member executes (or drives) a predetermined messenger program 2305 based on the time point at which the financial transaction processing information is received from the online account management server 2355, the interworking processor 2345. The messenger banking service transmits the financial transaction processing information to the messenger program 2305 of the messenger member, thereby providing a messenger banking service corresponding to the financial transaction processing information received from the online account management server 2355 through the messenger banking.

On the other hand, if the messenger member has not logged in on the basis of the time point at which the financial transaction processing information is received from the online account management server 2355, the interworking processor 2345 transmits the financial transaction processing information to the information storage unit 2350. The information storage unit 2350 may process the financial transaction processing information in association with the member information matching the messenger account information of the messenger member and store the information in the member information D / B, and then associate with the member information. The financial transaction processing information stored and processed is automatically transmitted to the messenger program 2305 when the messenger member executes (or drives) a predetermined messenger program 2305 within a predetermined period of time and logs in to the messenger program 2305 to receive the online message through the messenger banking. It provides a messenger banking service corresponding to the financial transaction processing information received from the account management server (2355).

A messenger banking server 2360 that provides a messenger banking service for a financial transaction associated with the online account (or a new account) to the messenger customer is a messenger provided in the messenger server 2315 through a predetermined communication means. An intercommunication connection with a banking operation unit 2320 and / or communication connection with a messenger program 2305 (and / or messenger banking module 2310) included in the messenger terminal 2300 through a predetermined network means. It is characterized by comprising a face portion 2365.

The interface unit 2365 may include messenger banking provided in the messenger server 2315 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). And a management channel 2320 for connecting and managing 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 2365 communicates with the messenger banking operation unit 2320 provided in the messenger server 2315 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 2320 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 2365 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 2320 transmits an electronic signature to the messenger member authentication result, the interface unit 2365 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make it.

Alternatively, when the messenger banking operation unit 2320 includes a predetermined OTP code in the messenger member authentication result, the interface unit 2365 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 2365 receives financial transaction request information for a financial transaction associated with the online account (or a new account) from the messenger terminal 2300 through a network means including at least one wired or wireless communication network. Or, and / or connect and manage a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 2300.

If the person skilled in the art to which the present invention pertains, the interface unit 2365 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 2300, 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 2300, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger terminal 2300 encrypts and transmits the financial transaction request information using at least one encryption method, the interface unit 2365 uses a decryption method corresponding to the encryption method. Preferably, the method further includes a function of decrypting the encrypted financial transaction request information.

Alternatively, when the messenger terminal 2300 transmits an electronic signature to the financial transaction request information, the interface unit 2365 further includes a function of confirming the electronic signature attached to the financial transaction request information. desirable.

Alternatively, when the messenger terminal 2300 transmits the financial transaction request information including a predetermined OTP code, the interface unit 2365 further includes a function of checking the OTP code included in the financial transaction request information. It is preferable to make it.

According to another exemplary embodiment of the present invention, when the financial transaction response information corresponding to the financial transaction request information is transmitted from the messenger banking server 2360 to the messenger terminal 2300 by using at least one encryption method, the interface The unit 2365 preferably further includes a function of encrypting the financial transaction response information by a predetermined encryption method.

Alternatively, when the electronic device attaches an electronic signature to the financial transaction response information corresponding to the financial transaction request information from the messenger banking server 2360 to the messenger terminal 2300, the interface unit 2365 may attach to the financial transaction response information. It is preferable to further include a function of attaching an electronic signature.

According to the present invention, the messenger banking server 2360 includes an information receiver configured to receive a predetermined message member authentication result from the messenger server 2315 through the communication means in association with the interface unit 2365. It is characterized by.

In addition, the information receiving unit predetermined for messenger banking customer authentication for financial transactions associated with the online account (or a new account) from the messenger terminal 2300 through the network means in association with the interface unit 2365. Characterized by receiving non-face-to-face 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 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 non-face-to-face financial transaction authentication information is preferably included in (or applied to) financial transaction request information received from the messenger terminal 2300 and received.

In addition, the information receiving unit receives the financial transaction request information for the financial transaction associated with the online account (or a new account) from the messenger terminal 2300 through the network means in association with the interface unit 2365. It is characterized by.

According to an embodiment of the present invention, the financial transaction request information may include messenger account information corresponding to the messenger member (or predetermined unique information (or unique code) assigned to identify the messenger banking customer), And at least one messenger linked account information, an account password, and financial transaction processing information received from the messenger server 2315 for face-to-face messenger banking. It is preferable that a predetermined electronic signature is attached and / or encrypted by the messenger banking module 2310 included in the 2300.

Herein, the financial transaction processing information may include messenger account information (and / or messenger link account information) included in the messenger link information associated with the online account (or a new account) and the online account (or a new account). It is preferable to include at least one or more types of financial transactions, financial transaction amount, transaction target financial account information.

The messenger banking server 2360 includes a customer authentication unit 2380 for authenticating the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 2300 through the information receiving unit. It features.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined financial transaction request information, the customer authentication unit 2380 is included (or applied) in the financial transaction request information. The non-face-to-face financial transaction authentication information may be used to secure confidentiality, authentication, integrity, and nonrepudiation of the messenger banking service corresponding to the financial transaction request information.

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiver, the customer authentication unit 2380 receives the received messenger banking ID / PW information and the storage medium 2395. 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 the likeness of the messenger banking service corresponding to the financial transaction request information. It is characterized by ensuring non-repudiation.

In addition, the non-contained information includes information encrypted through at least one or more encryption keys (eg, symmetric key, public key, or private key) included in the public certificate provided in the messenger terminal 2300 through the information receiving unit. When the face-to-face financial transaction authentication information is received, the customer authentication unit 2380 decrypts the messenger banking by decrypting a predetermined decryption key (for example, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. It is characterized in that the confidentiality, authentication, integrity and non-repudiation of the validity of the customer, and / or the messenger banking service corresponding to the financial transaction 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, the customer authentication unit 2380 receives the received security card. By comparing the security card information included in the customer information stored in the storage medium 2395 with the information, thereby validating the messenger banking customer and / or confidentiality of the messenger banking service corresponding to the financial transaction request information. It is characterized by ensuring authentication, integrity and non-repudiation.

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, the customer authentication unit 2380 transmits to the storage medium 2395. Generating a predetermined OTP code based on the OTP code generation information included in the stored customer information, and comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer and / or Characterizing the confidentiality, authentication, integrity and non-repudiation of the messenger banking service corresponding to the financial transaction request information.

Referring to FIG. 23, the messenger banking server 2360 may include a banking processor 2385 for processing a non-face-to-face financial transaction for providing a messenger banking service in response to the financial transaction request information received through the information receiver. At least from the ledger D / B provided in the financial system through a predetermined interface means for the banking processor 2385 to process a non-face-to-face financial transaction for providing a messenger banking service in response to the financial transaction request information. When a non-face-to-face financial transaction for inquiring one or more ledger information and / or providing the messenger banking service by the banking processor 2385 is processed, the non-face-to-face financial transaction is performed through a predetermined interface means. Ledger processing unit 2390 for generating the ledger information corresponding to the and stored in the ledger D / B provided in the financial system, Information for generating financial transaction response information including a non-face-to-face financial transaction result for providing a messenger banking service in response to the financial transaction request information and transmitting the generated financial transaction response information to the messenger terminal 2300 through the interface unit 2365. It is characterized by comprising a transmission unit 2370.

A predetermined messenger member authentication result is received from the messenger server 2315 through the information receiving unit, and an account inquiry for the messenger linked account from the messenger terminal 2300 corresponding to the messenger member authentication result is received through the information receiving unit. When the messenger linked account inquiry request information corresponding to the request is received, the banking processor 2385 requests an account inquiry about the messenger linked account to the ledger processor 2390, and in response thereto, the ledger processor 2390 The account ledger corresponding to the messenger linked account is inquired from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitting unit 2370 displays an account ledger inquiry result corresponding to the messenger linked account. Generates messenger linked account inquiry response information including the messenger through the interface unit 2365; Characterized in that the transmission to the terminal (2300).

A predetermined messenger member authentication result is received from the messenger server 2315 through the information receiver, and the online account (or a hidden account) from the messenger terminal 2300 corresponding to the messenger member authentication result through the information receiver. Banking processing unit 2385 is received when the financial transaction request information for a financial transaction associated with the) and the non-face-to-face financial transaction authentication information corresponding to the financial transaction request information is normally authenticated by the customer authentication unit 2380. ) Performs a messenger banking procedure corresponding to the financial transaction request information.

The banking processor 2385 may check an account ledger corresponding to the messenger linked account information through the ledger processor 2390 to confirm whether an amount corresponding to the financial transaction amount is deposited in the messenger linked account. It is preferable to check the validity of the account password by inquiring the account ledger corresponding to the messenger linked account information through the and / or the ledger processing unit 2390.

In addition, the banking processor 2385 reads the transaction target financial account information to check whether the transaction target financial account is opened in the party equipped with the financial system or in the other row, the deposit When an account is opened in the bank, it is preferable to check whether a financial account corresponding to the deposit account information is opened through the ledger processing unit 2390 in connection with the financial system, or the deposit account is opened in the other row. In this case, it is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the transaction target financial account information through a financial common network in connection with the financial system through the ledger processing unit 2390. Do.

Thereafter, the banking processor 2385 is included in the financial transaction processing information through the messenger-linked account information and the financial transaction amount and / or financial account information included in the financial transaction processing information. Request a ledger to process a financial transaction corresponding to the type of financial transaction.

Those skilled in the art to which the present invention pertains include financial transaction amount information and / or target financial account information included in the messenger linked account information and the financial transaction processing information and included in the financial transaction processing information. Since you will be familiar with the technical features of the ledger processing process for processing financial transactions corresponding to the financial transaction type, a detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 2390 finances the financial transaction processing information included in the financial transaction processing information and / or the financial transaction amount information included in the messenger linked account information and the financial transaction processing information. The ledger information corresponding to the transaction is generated by the financial transaction corresponding to the transaction type, and stored in the ledger D / B provided in the financial system through the predetermined interface means. The information transmission unit 2370 The method may generate financial transaction response information including a non-face-to-face financial transaction result corresponding to the financial transaction request information and transmit the generated financial transaction response information to the messenger terminal 2300 through the interface unit 2365.

Referring to FIG. 23, 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 the cooperative process is stored as.

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 2360 in association with the messenger banking server 2360 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 another financial institution branch), 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. 23, the financial system may be connected to the messenger banking server 2360, and the at least one messenger terminal 2300 connected to a predetermined wired / wireless communication network through the messenger banking server 2360. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

24 is a diagram illustrating a messenger member authentication process for financial transactions associated with an online account (or a provisional account) according to an embodiment of the present invention.

In more detail, FIG. 24 illustrates that when a messenger program 2305 is executed (or driven) on a predetermined messenger terminal 2300 and the user logs in to the predetermined messenger server 2315 shown in FIG. 12 and / or the messenger banking customer who has registered 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 financial transaction service associated with the online account (or a provisional account) through the program 2305, specifically, a messenger banking subscription for confirming whether the messenger member is the messenger banking customer. This is the case where the information is stored in the member information D / B shown in FIG.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 24 to implement various methods for instant messaging member authentication process for financial transactions associated with an online account (or a new account). It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Hereinafter, in FIG. 24, the messenger terminal 2300 shown in FIG. 23 is referred to as a "terminal" for convenience, and the messenger server 2315 shown in FIG. 23 is referred to as a "server" for convenience.

Referring to FIG. 24, when a predetermined messenger member executes (or drives) (or automatically executes) a messenger program 2305 provided in a predetermined terminal, the terminal receives the messenger program 2305 through the messenger program 2305. Input the messenger account information of the messenger member and transmit it to the server (2400).

According to an embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 2305 in the terminal and transmitting the messenger account information to the server includes: 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 2305 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 (2405).

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) (2410), the The server generates a predetermined messenger member error result and transmits the result to the terminal (2415). In response, the terminal transmits at least one messenger service through the messenger program 2305 (eg, text chat, voice chat, image). End without providing chat, message 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) (2410), 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. 12 and / or 17 (2420).

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 FIGS. 12 and / or 17. 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 (2425), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 2305). Generates and transmits the information to the terminal (2430), and correspondingly, the terminal corresponds to at least one messenger function (e.g., text chat, voice chat, image) included in the messenger program 2305. Chat, message exchange, file exchange, mailing, friend search, etc.) (2435).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2425), 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 2305). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 2360 (2440), and the messenger banking server 2360 transmits the messenger member authentication result to a predetermined storage medium 2395. (2445).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 2360 may be financed in association with at least one online account (or a new account) from the terminal to the messenger banking server 2360. When requesting a transaction, it is preferably used as information for authenticating the validity of the messenger member.

In addition, the messenger member authentication result stored in the messenger banking server 2360 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 2360 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 searches for the member information D / B and performs a financial transaction corresponding to the messenger member in the member information D / B through an interlocking process with the online account (or a new account) shown in FIG. It is checked whether the processing information is stored (2450).

If the financial transaction processing information corresponding to the messenger member is not stored in the member information D / B (2455), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal; 2460), correspondingly, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail transmission, friend search, etc.) included in the messenger program 2305. In addition, the messenger banking function provided in the messenger program 2305 is activated based on the messenger banking subscription information (2465).

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 2360 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 2305 may include: when the messenger program 2305 includes a predetermined messenger banking icon and / or a 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 2305 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 2305, and / or A messenger program 2305 provided in at least one other terminal associated with the messenger program 2305, and / or at least one server associated with the messenger program 2305 (eg, a payment request server shown in FIG. 23). Or a financial transaction request associated with the online account (or a provisional account) from the messenger server 2315, or the messenger banking server 2360, etc., in response to the requested online account (or a provisional account). It may be desirable to include activating a financial transaction procedure associated with the system.

On the other hand, if the financial transaction processing information corresponding to the messenger member is stored in the member information D / B (2455), the server sends an online account (or a new account) shown in FIG. 11 from the member information D / B. And extracts the financial transaction processing information stored in the member information D / B through a messenger banking interworking process (2470).

The financial transaction processing information may be financed through messenger account information (and / or messenger linked account information) included in messenger link information linked to the online account (or false account) and the online account (or hidden account). It is preferable to include at least one or more types of transactions, financial transaction amount, transaction target financial account information.

Thereafter, the server includes the messenger banking subscription information and the extracted financial transaction processing information in the messenger member authentication result (2475), and correspondingly, the terminal is provided in the messenger program (2305). Activated at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also based on the messenger banking subscription information, the messenger program 2305. After activating the messenger banking function included in the messenger banking function, the financial transaction processing information is output to the messenger program 2305 (2480), and the messenger program 2305 processes the financial transaction through the activated messenger banking function. Perform financial transaction processing corresponding to the information.

25 is a diagram illustrating a messenger member authentication process for financial transactions associated with an online account (or a provisional account) according to another embodiment of the present invention.

In more detail, FIG. 25 illustrates that when a messenger program 2305 is executed (or driven) on a predetermined messenger terminal 2300 and the user logs in to the predetermined messenger server 2315 shown in FIG. 12 and / or the messenger banking customer who has registered 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 financial transaction service associated with the online account (or a provisional account) through the program 2305, and specifically, a process of confirming whether the messenger member is a messenger banking customer. 12 and / or associated with storage medium 2395 on the messenger banking information registration system shown in FIG. As for the case where W process, the storage medium (2395) is considered to be provided in a banking server the Messenger (2360) as shown in the figure 23.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 25 to provide various implementation methods for the messenger member authentication process for financial transactions associated with an online account (or a new account). It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 25 so that the storage medium 2395 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 (2395) various implementation methods for confirming that 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. 25, the messenger terminal 2300 shown in FIG. 23 is referred to as "terminal" for convenience, and the messenger server 2315 shown in FIG. 23 is referred to as "server" for convenience.

Referring to FIG. 25, when a predetermined messenger member executes (or drives) a messenger program 2305 provided in a predetermined terminal (or automatically executes), the terminal is connected to the messenger member 2305 through the messenger program 2305. Input the messenger account information of the server and transmit it to the server (2500).

According to an embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 2305 in the terminal and transmitting the messenger account information to the server includes: 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 2305 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 (2505).

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) (2510), The server generates a predetermined messenger member error result and transmits the result to the terminal (2515). In response, the terminal transmits at least one messenger service (eg, text chat, voice chat, video chat) through the messenger program 2305. , 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) (2510), 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 that can receive at least one messenger service through the messenger program 2305). The message banking server checks whether the messenger account information matched with the messenger account information is stored in the storage medium 2395. And / or as a messenger banking customer through the messenger banking information registration system shown in FIG. 17. Check if you are subscribed (2525).

According to the exemplary embodiment of the present invention, when the messenger banking server 2360 determines that the messenger account information matching the messenger account information is stored in the storage medium 2395, the messenger member is shown in FIG. 12 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. 17.

If the messenger member is not subscribed as a messenger banking customer (2530), the messenger banking server 2360 generates messenger banking non-subscription information for the messenger account information and transmits it to the server (2535).

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 2305) and transmits it to the terminal. In response, 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 2305. Activate (2545).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2530), the messenger banking server 2360 may perform at least one messenger service through the messenger member authentication result (for example, the messenger member 2305 through the messenger program 2305). Information certifying that a valid member can be provided) is stored in a predetermined storage medium 2395 (2550), and messenger banking subscription information for the messenger account information is generated and transmitted to the server (2555).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 2360 may be financed in association with at least one online account (or a new account) from the terminal to the messenger banking server 2360. When requesting a transaction, it is preferably used as information for authenticating the validity of the messenger member.

In addition, the messenger member authentication result stored in the messenger banking server 2360 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 2360 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 searches for the member information D / B and finances the messenger member corresponding to the member information D / B through a messenger banking interworking process with the online account (or a new account) shown in FIG. Check whether the transaction processing information is stored (2560).

If the financial transaction processing information corresponding to the messenger member is not stored in the member information D / B (2565), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal; 2570), correspondingly, the terminal activates at least one messenger function (e.g., text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 2305. In addition, the messenger banking function provided in the messenger program 2305 is activated based on the messenger banking subscription information (2575).

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 2360 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 2305 may include: when the messenger program 2305 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 2305 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 2305, and / or A messenger program 2305 provided in at least one other terminal associated with the messenger program 2305, and / or at least one server associated with the messenger program 2305 (eg, a payment request server shown in FIG. 23). Or a financial transaction request associated with the online account (or a provisional account) from the messenger server 2315, or the messenger banking server 2360, etc., in response to the requested online account (or a provisional account). It may be desirable to include activating a financial transaction procedure associated with the system.

On the other hand, if the financial transaction processing information corresponding to the messenger member is stored in the member information D / B (2565), the server sends an online account (or a new account) shown in FIG. 11 from the member information D / B. And extracts the financial transaction processing information stored in the member information D / B through a messenger banking interworking process (2580).

The financial transaction processing information may be financed through messenger account information (and / or messenger linked account information) included in messenger link information linked to the online account (or false account) and the online account (or hidden account). It is preferable to include at least one or more types of transactions, financial transaction amount, transaction target financial account information.

Thereafter, the server includes the messenger banking subscription information and the extracted financial transaction processing information in the messenger member authentication result (2585), and correspondingly, the terminal is provided in the messenger program 2305. Activated at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mailing, friend search, etc.), and also based on the messenger banking subscription information, the messenger program 2305. After activating the messenger banking function included in the messenger banking function, the financial transaction processing information is output to the messenger program 2305 (2590), and the messenger program 2305 processes the financial transaction through the activated messenger banking function. Perform financial transaction processing corresponding to the information.

FIG. 26 illustrates a non-face-to-face financial transaction authentication process for financial transactions associated with an online account (or a provisional account) according to an embodiment of the present invention.

More specifically, FIG. 26 illustrates the messenger banking provided in the messenger program 2305 included in the messenger terminal 2300 after performing the messenger member authentication process as shown in FIGS. 24 and / or 25. When the function is activated, the non-face-to-face financial transaction authentication process for processing a face-to-face financial transaction for financial transactions associated with the online account (or a new account) based on the activated messenger banking function is performed. According to the technical features of the present invention, FIG. 26 is a non-facing non-face to face through the messenger member authentication results shown in FIGS. 24 and / or 25 as shown in FIG. 27 before the non-face-to-face financial transaction authentication process is performed. The process of performing a financial transaction (eg, account inquiry, etc.) is further illustrated and described.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 26 to implement various processes for non-face-to-face financial transaction authentication processes for financial transactions associated with online accounts (or temporary accounts). The method may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 26, the messenger terminal 2300 illustrated in FIG. 23 is referred to as a “terminal” for convenience, and the messenger banking server 2360 illustrated in FIG. 23 is referred to as a “server” for convenience.

Referring to FIG. 26, a messenger banking icon corresponding to a messenger banking function activated by a predetermined messenger member through a messenger program 2305 provided in a predetermined terminal through the process illustrated in FIGS. 24 and / or 25 is provided. When the messenger banking menu is selected (2600), 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 (2605).

According to the exemplary embodiment of the present invention, the messenger banking item selection user interface output through the messenger program 2305 before the non-face-to-face financial transaction authentication process is performed is associated with the online account (or a new account). Among at least one messenger banking item corresponding to the financial transaction, the messenger banking item that can be processed after performing the non-face-to-face financial transaction authentication process shown in FIG. 26 is preferably deactivated.

For example, the messenger banking item selection user interface outputted through the messenger program 2305 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 24 and / or It is preferable that only messenger banking items corresponding to non-facing non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 25 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (2610), 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. It is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected (2615).

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 (2620), 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-faceted non-financial transaction that can be processed only by the result of the new member authentication through the user interface is also selected (2620), the terminal is an account inquiry-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 (2610), the terminal outputs at least one non-face-to-face financial transaction authentication information input user interface through the messenger program 2305, In operation 2825, 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 (2630), the terminal is input through the process shown in FIGS. 24 and / or 25 through the messenger program 2305. 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 (2635).

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. 24 and / or 25 is used. 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 illustrated in FIGS. 24 and / or 25 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Check the validity for (2640).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2645), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (2650). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2655).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (2645), the server uses the messenger banking customer (or the online account (or a new account) through the non-face-to-face financial transaction authentication information). Check the validity of the financial transaction in connection with (2660).

According to an embodiment of the present invention, when 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 2395. By comparing the ID / PW information for messenger banking included in the customer information stored in the data, the confidentiality and authentication of the financial transaction associated with the online banking account (or new account) and / or the validation of the messenger banking customer. It is desirable to ensure integrity, and nonrepudiation.

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.) provided in the authentication certificate provided in the messenger terminal 2300 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 non-repudiation of the financial transactions associated with the online account (or the provisional account).

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 2395. By comparing the security card information included in the customer information stored in the &lt; RTI ID = 0.0 &gt; and / or &lt; / RTI &gt; the banking customer's validity, and / or the confidentiality, authentication, integrity and It is desirable to secure non repudiation.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through an OTP generator provided to the messenger banking customer is received from the terminal, the server may include the customer information stored in the customer information stored in the storage medium 2395. By generating a predetermined OTP code based on the OTP code generation information, and comparing the generated OTP code and the received OTP code, to validate the messenger banking customer, and / or the online account (or a new account) ), It is desirable to ensure confidentiality, authentication, integrity and non-repudiation of the financial transactions associated with

If the validity of the messenger banking customer (or the financial transaction associated with the online account (or the provisional account)) is not authenticated through the non-face-to-face financial transaction authentication information (2665), the server provides a predetermined non-face-to-face finance. The transaction authentication error result information is generated and transmitted to the terminal (2650). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2655).

On the other hand, if the validity of the messenger banking customer (or the financial transaction associated with the online account (or the provisional account)) is authenticated through the non-face-to-face financial transaction authentication information (2665), the server provides a predetermined non-face-to-face financial transaction. Generate and send authentication approval result information to the terminal (2670), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (2675), and approves the non-face-to-face financial transaction authentication. The messenger banking item corresponding to the result information may include a financial transaction item associated with an online account (or a provisional account) according to the present invention.

27 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. 27 is a non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIGS. 24 and / or 25 during the non-face-to-face financial transaction authentication process shown in FIG. 26. When the account inquiry-based messenger banking item corresponding to the selection is for the process of 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 27, it is possible to infer implementation methods for various non-face-to-face financial transaction processes based on the messenger member authentication results, but the present invention includes all the implementation methods inferred. However, the technical features are not limited only to the implementation method illustrated in FIG. 27.

Hereinafter, in FIG. 27, the messenger terminal 2300 illustrated in FIG. 23 is referred to as a “terminal” for convenience, and the messenger banking server 2360 illustrated in FIG. 23 is referred to as a “server” for convenience.

Referring to FIG. 27, during the non-face-to-face financial transaction authentication process shown in FIG. 26, the non-face-to-face financial transaction that can be processed only by the messenger member authentication result shown in FIG. 24 and / or FIG. When the account inquiry-based messenger banking item is selected, the terminal generates predetermined messenger association account inquiry request information including the messenger account information through the messenger program 2305 (2700), and the messenger program 2305. In operation 2705, the server transmits the messenger linked account inquiry request information 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. 24 and / or 25 is used. 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 illustrated in FIGS. 24 and / or 25 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. Validate for (2710).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2715), the server generates predetermined messenger linked account inquiry error information and transmits it to the terminal (2720). The terminal outputs the messenger linked account error information through the messenger program 2305 (2725).

If the validity of the messenger member who transmits the non-face-to-face financial transaction authentication information is confirmed (2715), the server is stored in the storage medium 2395 through messenger account information included in the messenger linked account inquiry request information. The predetermined messenger linked account information is identified (2730), 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 (2740), the server generates a predetermined messenger linked account inquiry result corresponding to the messenger linked account inquiry request in association with the financial system (2745). After generating predetermined messenger linked account inquiry result information including the messenger linked account inquiry result (2750), the generated messenger linked account inquiry result information is transmitted to the terminal (2755), and correspondingly, the terminal. In operation 2760, the messenger program 2305 outputs the received messenger linked account inquiry result information through the messenger program 2305.

28 illustrates a financial transaction process associated with an online account (or a provisional account) according to an embodiment of the present invention.

More specifically, FIG. 28 illustrates the messenger server (i.e., the messenger banking interworking process associated with the online account (or the provisional account) shown in FIG. 11 and / or the messenger member authentication process shown in FIGS. 24 and / or 25). When the predetermined financial transaction processing information is received from the messenger terminal 2300 from 2315, the messenger terminal 2300 processes a financial transaction corresponding to the financial transaction processing information using messenger banking. Specifically, the messenger terminal 2300 illustrated in FIG. 23 includes at least one financial transaction amount and transaction target financial account information included in the messenger linked account information, the account password, and the financial transaction processing information through the messenger program 2305. Based on the user interface for inputting the online transaction (or new account) linked financial transaction information, including the above Passenger will be conducted on how to handle a bank-based financial transactions.

Those skilled in the art will be able to infer various implementation methods for the financial transaction process associated with the online account (or the provisional account) by referring to and / or modifying this drawing 28. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method illustrated in FIG. 28.

Hereinafter, in FIG. 28, the messenger terminal 2300 shown in FIG. 23 is referred to as a "terminal" for convenience, and the messenger banking server 2360 shown in FIG. 23 is referred to as a "server" for convenience.

Referring to FIG. 28, the messenger server 2315 is connected to an online account (or a new account) shown in FIG. 11 and a messenger banking interworking process, and / or a messenger member authentication process shown in FIGS. 24 and / or 25. When predetermined financial transaction processing information is received from the messenger terminal 2300 (2800), the terminal performs a non-face-to-face financial transaction authentication process through the messenger program 2305 through the process shown in FIG. The non-face-to-face financial transaction authentication information is confirmed whether to be approved (2805).

If the non-face-to-face financial transaction authentication information is not approved (2810), 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 (2810), the terminal outputs the non-face-to-face financial transaction authentication-based messenger banking item selection user interface through the messenger program 2305, and displays the user interface. In operation 2815, it is determined whether a non-face-to-face financial transaction authentication-based financial transaction item corresponding to the financial transaction type of the financial transaction processing information 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 non-face-to-face financial transaction authentication-based messenger banking item is selected through the user interface (2820), the terminal generates messenger linked account information request information including the messenger account information through the messenger program 2305. (2825).

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. 24 and / or 25 is used. 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 2305 (2830).

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 2310 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 2395 through messenger account information included in the messenger association account information request information from the storage medium 2395, and the messenger association. The account information is transmitted to the terminal (2835).

According to another embodiment of the present invention, the messenger linked account registered through the messenger banking information registration system shown in FIGS. 12 and / or 17 is one, or the messenger shown in FIGS. 12 and / or 17 When the messenger linked account information registered through the banking information registration system is included in the messenger program 2305 (or messenger banking module 2310), 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 inputs (or selects) at least one or more financial transaction amounts and transaction target financial account information included in the received messenger linked account information, an account password, and the financial transaction processing information through the messenger program 2305. Outputting an online account (or a new account) linked financial transaction user interface (2840), and the messenger linked account based on the online account (or a new account) linked financial transaction user interface through the messenger program 2305; In operation 2845, information about an online account (or a new account) linked financial transaction information including at least one information, an account password, and a financial transaction amount included in the financial transaction processing information and the target financial account information is input.

If an online account (or a new account) linked financial transaction information including at least one or more of the messenger linked account information, the account password, the financial transaction amount included in the financial transaction processing information, and the target financial account information is input (2850) ), The terminal through the messenger program 2305, the messenger account information and the online account (or a new account) linked financial transaction information (for example, the messenger linked account information and account password and the financial transaction included in the financial transaction processing information) Generate financial transaction request information including transaction amount and transaction target financial account information (2855), and include at least one non-face-to-face financial transaction authentication information in the generated financial transaction request information through the messenger program 2305; And transmits to the server (2860).

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 financial transaction request information is preferably transmitted to the server by attaching and / or encrypting a predetermined electronic signature through a messenger banking module 2310 provided in the terminal. Preferably, the server decrypts the financial transaction 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 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 financial transaction request information to the server through the messenger program 2305 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 financial transaction request information (2865).

According to an embodiment of the present invention, the financial transaction 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 financial transaction request information.

When the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is included in the financial transaction request information according to an embodiment of the present invention, the server receives the received messenger banking ID / PW information and the information. By comparing the ID / PW information for messenger banking included in the customer information stored in the storage medium 2395, 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 financial transaction request information may include information encrypted through at least one encryption key (eg, a symmetric key, a public key, a private key, etc.) included in an authorized certificate included in the messenger terminal 2300. 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 financial transaction request information includes 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 may receive the received security card information. By comparing the security card information included in the customer information stored in the storage medium 2395, 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 financial transaction request information is received including non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer, the server stores the customer stored in the storage medium 2395. 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 verified (2870), the server generates a financial transaction error result corresponding to the financial transaction associated with the online account (or a provisional account) (2875), Generate predetermined financial transaction response information including the generated financial transaction error result and transmit the generated financial transaction response information to the terminal (2880). In response, the terminal is included in the financial transaction response information through the messenger program 2305. The financial transaction error result is output (2898).

On the other hand, if the validity of the non-face-to-face financial transaction authentication information is confirmed (2870), the server performs the process shown in FIGS. 24 and / or 25 through the messenger account information included in the financial transaction 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 (2885).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not verified (2890), the server generates a financial transaction error result corresponding to the financial transaction associated with the online account (or a new account). And (2875) generate predetermined financial transaction response information including the generated financial transaction error result and transmit the predetermined financial transaction response information to the terminal (2880), and correspondingly, the terminal transmits the financial transaction through the messenger program 2305; The financial transaction error result included in the response information is output (2898).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (2890), the server processes an online account (or a new account) linked financial transaction corresponding to the received financial transaction request information. (2891).

According to an embodiment of the present invention, it is preferable that the server checks an account ledger corresponding to the messenger linked account information and checks whether an amount corresponding to the financial transaction amount is deposited in the messenger linked account, and / or It is preferable to check the validity of the account password by inquiring the account ledger corresponding to the messenger linked account information.

The server may read the transaction target financial account information to check whether the transaction target financial account is opened in a party equipped with the financial system or in another party, and the deposit account is in the party. When opened, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system, or, when the deposit account is opened in another line, establish a financial common network in connection with the financial system. It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the transaction target financial account information.

Thereafter, the server processes the financial transaction corresponding to the financial transaction type included in the financial transaction processing information through the financial transaction amount and / or financial transaction information included in the messenger linked account information and the financial transaction processing information. Perform the ledger processing procedure.

Those skilled in the art to which the present invention pertains include financial transaction amount information and / or target financial account information included in the messenger linked account information and the financial transaction processing information and included in the financial transaction processing information. You will be familiar with the technical features of the ledger processing process that handles financial transactions that correspond to the financial transaction types, so a detailed description thereof will be omitted for convenience.

If a predetermined error occurs (2892) while processing an online account (or a provisional account) linked financial transaction corresponding to the financial transaction request information (2892), the server is associated with the online account (or a provisional account). Generate a financial transaction error result corresponding to the financial transaction (2875), and generate predetermined financial transaction response information including the generated financial transaction error result and transmit it to the terminal (2880). The financial transaction error result included in the financial transaction response information is output through the messenger program 2305 (2898).

On the other hand, if the online transaction (or the provisional account) linked financial transaction corresponding to the financial transaction request information is successfully processed (2892), the server is predetermined to correspond to the online account (or the provisional account) linked financial transaction Ledger information is generated (2893) and stored in the ledger D / B on the financial system in association with the financial system shown in FIG. (2894).

In the technical field to which the present invention belongs, general ledger information generated by the server in response to an online account (or a new account) linked financial transaction, and the ledger information on the ledger D / B on the financial system Since you will be familiar with the technical features stored in the detailed description thereof will be omitted for convenience.

If ledger information generated in response to the online account (or provisional account) linked financial transaction is stored in the ledger D / B on the financial system (2895), the server is associated with the online account (or provisional account). Generate a financial transaction approval result corresponding to the generated financial transaction (2896), generate predetermined financial transaction response information including the generated financial transaction approval result, and transmit the predetermined financial transaction response information to the terminal (2897); The mobile terminal outputs the financial transaction approval result included in the financial transaction response information through the messenger program 2305 (2898).

According to the present invention, a rechargeable prepaid card concept is introduced into an online account corresponding to an online financial product sold through the Internet full-time bank, thereby processing some financial transactions until the real name is confirmed.

According to the present invention, a financial transaction restriction based on a non-blind account attribute and / or a rechargeable prepaid card attribute for an online account corresponding to an online financial product sold through the internet professional bank is processed through messenger banking associated with the online account. This has the advantage.

According to the present invention, an online account corresponding to an online financial product sold through the Internet full-time bank is a child (or a minor, or a limited-payer, or an insolvency investor), and a messenger banking customer associated with the online account is the child (or If you are a parent (or guardian) of a minor, or limited indictor, or insolvent, the financial transaction of the child (or minor, or limited incubator, or insolvent) associated with the Internet portal may be transferred to the messenger banking of the parent (or guardian). By providing in conjunction with, the parent's (or guardian's) messenger of financial transactions of the child (or minor, or limited, or insolvent), as well as addressing non-blind account restrictions and / or rechargeable prepaid card restrictions on the online account. There is an advantage to control through banking.

Claims (6)

Opening a non-real name verification-based online account linked to a web service provided by the web server to at least one member in connection with a predetermined financial company server in a predetermined web server; Storing, by the financial institution server, the online account information and the predetermined messenger account information in a predetermined storage medium; Generating a financial transaction request information including a predetermined financial transaction amount and online account information from a predetermined terminal and transmitting the generated financial transaction request information to the financial institution server; Checking, by the financial institution server, whether a financial transaction has not been processed by a non-real name account attribute of the online account when processing a financial transaction corresponding to the financial transaction request information; And If the financial transaction has not been processed, the financial company server is connected to the storage medium (or storage medium operation means) to the messenger terminal corresponding to the messenger account information. Requesting processing; the online account and messenger banking interworking method comprising a. The method of claim 1, wherein the online account, A method of interworking with an online account and a messenger banking further comprising a chargeable prepaid card attribute for charging a predetermined amount. The method of claim 1, wherein the online account, A method of interworking with an online account and a messenger banking, comprising providing at least one financial transaction using a predetermined personal homepage, a financial transaction using an e-mail, or a financial transaction using a messenger. The method of claim 1, wherein the messenger account information, A messenger account that provides messenger banking-based financial transactions through the real name account of the member; or A messenger account that provides a messenger banking-based financial transaction through a real name account of another member who receives a predetermined web service through the web server, or In the case where the member is a child (or a minor, limited person, or in garrison), the member comprises at least one messenger account that provides messenger banking-based financial transactions through a real name account of the parent (or guardian, etc.) of the member. Messenger banking interworking method with an online account, characterized in that. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Means for cooperatively processing the online account information of the customer and the messenger banking account information of the customer (or the messenger banking account information of the second customer connected with the customer) and storing them in a predetermined storage medium; And Linking a financial transaction through the customer's online account to the customer's messenger banking, or connecting a financial transaction through the customer's online account to the second customer's messenger banking, or the client's messenger banking And a means for linking a telecommunications financial transaction to the customer's online account.

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