KR20080037743A - System and method for provding information - Google Patents

Abstract

A system and a method for providing information, and a program recording medium for the same are provided to inform a customer of banking transaction in real-time through a widget program connected to a messenger and installed in a customer terminal when the banking transaction related to the customer is generated. An information storing part(540) stores customer messenger account information to a storage medium(550) by linking with customer account or card information. An information checker(545) checks whether an event related to a customer account or card is generated. An information transmitter checks a customer messenger account linked with the customer account or card by linking with the storage medium, and transmits details of the generated event and the customer messenger account information to a messenger server.

Description

System and Method for Provding Information

1 is a diagram illustrating a financial transaction providing service registration system for providing financial transaction information according to an exemplary embodiment of the present invention.

2 is a diagram showing the configuration of information in a storage medium according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a structure of customer ledger information in which financial transaction information providing service registration information provided from a customer according to an embodiment of the present invention is stored.

4 is a diagram illustrating a process of storing and registering financial transaction information providing service registration information in a predetermined storage medium according to an exemplary embodiment of the present invention.

5 is a diagram illustrating an information providing system that provides the financial transaction details through a widget function provided in a customer terminal during a customer financial transaction according to an embodiment of the present invention.

6 is a diagram illustrating the configuration of information in a storage medium according to an embodiment of the present invention.

7A and 7B are diagrams illustrating a structure of customer ledger information in which financial transaction history information is stored according to the use of customer financial transaction means according to an embodiment of the present invention.

8 is a diagram illustrating a process of providing a financial transaction history according to a customer financial transaction through a widget function provided in a customer terminal according to an exemplary embodiment of the present invention.

9 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face banking using a messenger according to an embodiment of the present invention.

FIG. 10 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 non-face-to-face banking using a messenger according to an exemplary embodiment of the present invention.

FIG. 11 is a diagram illustrating a configuration of messenger banking information stored in a database associated with the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for non-face-to-face banking using a messenger according to another embodiment of the present invention.

FIG. 12 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 non-face-to-face banking using a messenger according to another exemplary embodiment of the present invention.

13 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.

14 is a diagram illustrating a non-face-to-face messenger banking information registration system for non-face-to-face banking using a messenger according to another embodiment of the present invention.

FIG. 15 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in a DBMS on a financial system in a non-face-to-face manner for non-face-to-face banking using a messenger according to an embodiment of the present invention.

FIG. 16 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 banking using a messenger according to another embodiment of the present invention. ..

FIG. 17 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 banking using a messenger according to another embodiment of the present invention.

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

19A and 19B illustrate a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face banking using a messenger according to another exemplary embodiment of the present invention.

20 is a diagram illustrating a messenger banking system for non-faceted messenger banking according to an embodiment of the present invention.

21 is a diagram illustrating a messenger member authentication process for non-face-to-face banking using a messenger according to one embodiment of the present invention.

22 is a diagram illustrating a process of providing messenger member financial transaction history information using a messenger according to one embodiment of the present invention.

<Description of main parts of drawing>

500: information providing server 505: interface unit

510: interface providing unit 515: information receiving unit

520: Wetjet provider 525: Execution check unit

530: customer authentication unit 535: widget operation unit

540: information storage unit 545: information confirmation unit

550: storage medium 555: customer terminal

560: Wetjet Engine

The present invention provides an information providing system including information checking means for confirming whether an event (such as deposit or withdrawal or approval) for a customer account or card occurs, and information transmitting means for transmitting the generated event details to a widget program installed in the customer terminal. It is about.

Recently, a widget service that can use a portal service with a single click on the desktop without running a web browser is in the spotlight. The widget is a growing number of users with the advantage that once installed, the clock, date, search, calendar, personal schedule, stock information, etc. can be used directly on the desktop with just one click of the icon.

On the other hand, existing financial institutions, such as when a financial transaction (for example, withdrawal, card use, etc.) using the customer's payment means, and sends it to the customer's mobile phone, but provides a service that notifies the generated financial transaction details, During work, mobile phone text messages can be rather disruptive to work, and not many customers check them in real time.

Therefore, if employees are notified of financial transaction details at work (for example, using a PC) or widget services, customers can check real-time financial transaction details even while at work, and differentiated widget services such as financial institutions and portals. Providing will increase customer satisfaction.

An object of the present invention for solving the above problems, information storage means for linking the customer messenger account information and the customer account or card information to store in a predetermined storage medium, and events (deposit or withdrawal or approval) for the customer account or card Etc.) After confirming the information checking means for confirming the occurrence and the customer messenger account linked to the customer account or the card in connection with the storage medium (or storage medium operating means), the generated event details and the customer messenger account The present invention provides an information providing system including information transmitting means for transmitting information to a messenger server corresponding to the customer messenger.

The information providing method according to the present invention comprises the steps of linking and processing customer messenger account information and customer account or card information in a predetermined information storage means in a predetermined storage medium, and in the predetermined information checking means, the customer account or card. Checking whether an event (eg, deposit or withdrawal, authorization, etc.) has occurred, and the customer messenger account information and the generated event history stored in association with the customer account or card on the storage medium in a predetermined information transmission means. Transmitting to a messenger server corresponding to a customer messenger; checking a logon state of the customer messenger account in the messenger server; and if the customer messenger account is in a logon state, the event history is connected through a notification window connected to the messenger. Event history information and notification window to the messenger program to be outputted And transmitting a command for outputting an event history through the client, and if the customer messenger account is not logged on, storing the event history in association with the customer messenger account information and storing the event history in a predetermined storage medium. It is done.

According to the present invention, the event details, characterized in that comprises at least one or more, such as the details of the deposit or withdrawal, the card usage history, payment-related details.

On the other hand, the information providing system according to the present invention, the information storage means for linking and processing the customer messenger account information and the customer account or card information in a predetermined storage medium, and events (such as deposit or withdrawal or approval) for the customer account or card Information confirmation means for confirming whether or not the occurrence and the customer messenger account associated with the customer account or the card in connection with the storage medium (or storage medium operation means), and then the generated event details and the customer messenger account information It characterized in that it comprises an information transmitting means for transmitting to a messenger server corresponding to the customer messenger.

In addition, the information providing system according to the present invention, information checking means for confirming whether an event (such as deposit or withdrawal or approval) for the customer account or card and information for transmitting the generated event details to the widget program installed in the customer terminal Characterized in that it comprises a transmission means.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing a function of the above-described information providing system constituting means.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

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

1 is a diagram illustrating a financial transaction providing service registration system for providing financial transaction information according to an exemplary embodiment of the present invention.

In more detail, in FIG. 1, when a financial transaction occurs, a financial transaction information providing service is registered from the customer using the widget function in order to provide the financial transaction occurrence history through a widget function provided in the customer terminal. The information registration system is configured to receive information, process the information in association with the customer information, and store the information in a predetermined storage medium 130. Those skilled in the art may refer to FIG. 1. And / or modify the financial transaction information providing service registration information for the financial transaction information providing service using the widget function in association with the customer information to store and register the information in the storage medium 130. Various implementations may be inferred, but the present invention includes all implementations inferred. , It shall not be limited to the exemplary method shown in the figure 1.

According to FIG. 1, the financial transaction information providing service registration information for the financial transaction information providing service according to the present invention is received from the customer through a predetermined information registration interface on the illustrated information registration system, and is processed in connection with the customer information. Components corresponding to at least one or more means and / or functional configurations for storage in the storage medium 130 are referred to as " information registration server 100 " for convenience.

According to the implementation method of the present invention, the financial transaction history provided by the customer through the widget function provided in the customer terminal, transfer (including direct debit), deposit, withdrawal, card (including credit, debit, check card) use It characterized in that it comprises at least one or more breakdown.

According to an embodiment of the present invention, the financial transaction information providing service registration information for the financial transaction information providing service includes financial transaction means information to be provided through a widget function included in the customer terminal and customer specific information. Characterized in that made.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

Referring to FIG. 1 according to an embodiment of the present invention, the financial transaction information providing service registration information for the financial transaction information providing service provided by the customer is received and processed in association with the customer information to the storage medium 130. The information registration system for storing and registering comprises an information registration terminal including at least one of a wired terminal, a wireless terminal or a window terminal used by the customer. The information registration terminal comprises a predetermined network means. The communication channel is connected to the information registration server 100 provided on the information registration system.

According to an exemplary embodiment of the present invention, the customer receives the financial transaction occurrence history through the widget function provided in the customer terminal when the financial transaction occurs, according to the present invention, the information registration server 100 And a terminal (for example, the information registration server 100 for providing the information registration service) provided at a specific institution connected with a communication channel by a predetermined network means, the financial institution server or a predetermined server interworking with the financial institution server. Or a window terminal provided in a financial institution) or a wired terminal or a wireless terminal used by the customer as an information registration terminal to input (or select) the financial transaction information providing service registration information, and the information registration terminal The information registration system through the network means for the input (or selected) financial transaction information providing service registration information; The information registration server 100 provided on the transmission.

For example, when the information registration terminal is a terminal provided in a financial institution that performs the financial transaction information providing service registration service (including a window terminal), the network means for connecting the information registration terminal and the information registration server 100. The information registration terminal and the information registration server 100 preferably comprises a financial network (eg, our network) or a dedicated communication network connecting the communication channel.

Here, when the information registration system is provided at a predetermined financial institution or interworks with a financial institution, the financial network connecting the information registration terminal and the information registration server 100 registers the financial transaction information providing service registration information. To perform the function of the information registration interface.

According to another embodiment of the present invention, the customer accesses the information registration server 100 through at least one or more information registration terminal of a wired terminal connected to a predetermined wired network or a wireless terminal connected to a predetermined wireless communication network, When the financial transaction information providing service registration information is input (or selected) through at least one information registration interface provided by the information registration server 100, the information registration terminal is provided on the information registration system through a predetermined network means. It can be transmitted to the information registration server 100 provided in.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. General term for all terminal devices connected to a wireless wireless data communication network, a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal connected to the CDMA-based mobile communication network. (Personal Digital Cellular; PDC) and / or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) and / or smartphone (Smart Phone) or Telematics, or the IEEE 802.16x based portable To a portable Internet terminal connected to the Internet, or to the DataTAC / Mobitex based wireless data communication network. It may include at least one or more connected wireless data communication terminal.

The information registration server 100 connected to the information registration terminal may be either an internet banking server, a wireless banking server, a telebanking server, a TV banking server, or the Internet, depending on the characteristics of the information registration terminal and network means. The banking server or the wireless banking server or a telebanking server or a TV banking server may be associated with or may include at least one or more separate web servers for registering the information.

The network means for connecting the information registration terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based on a wireless network type to which the information registration terminal is connected. Any one of the wireless data communication network of, or may include a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the information registration terminal outputs at least one or more information registration interface provided by the information registration server 100, and at least one or more information (for example, financial transaction information providing service registration information, etc.) through the information registration interface. A function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information registration server 100, etc.) for input and / or selection and transmission to the information registration server 100 is provided. It is preferable that it is done.

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

In the information registration system as described above, at least one wired network or wireless network connecting the information registration terminal 100 and the information registration terminal including at least one wired terminal or wireless terminal used by the customer is the financial transaction. It performs a function of an information registration interface for registering information providing service registration information and the like.

In addition, the information registration terminal includes the teller terminal or wired and wireless terminal, an automatic teller machine (ATM) and a cash dispenser (Cash Dispenser; CD) connected to a predetermined financial network (for example, a financial common network). It further comprises a financial automation device (not shown) including, or a predetermined call terminal (city shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. O) or further comprising a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or provided in at least one or more institutions affiliated with the financial institution. Terminal (and / or server) (not shown) may be further included, whereby the present invention is not limited.

For example, when the information registration terminal is the financial automated device (not shown), the financial network connecting the financial automated device (not shown) and the financial automated device (not shown) with the information registration server 100 may include: Performs a function of an information registration interface for registering the financial transaction information providing service registration information or the like, or if the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal ( At least one or more of a wired telephone network or a wireless telephone network connecting the information registration server 100 performs a function of an information registration interface for registering the financial transaction information providing service registration information or the like, or the information. If the registration terminal is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) And a network connecting the terminal (and / or server) (not shown) to the information registration server 100 performs a function of an information registration interface for registering the financial transaction information providing service registration information and the like.

Referring to FIG. 1, the storage medium 130 provided on the illustrated information registration system stores and stores the financial transaction information providing service registration information and the customer information associated with the customer provided from the information registration terminal. Characterized in that, the customer information and the financial transaction information providing service registration information stored in the storage medium 130 through the financial information of the customer through the following information providing system according to the implementation method of the present invention It is characterized in that the basis to be provided through the widget function provided in the customer terminal.

According to one embodiment of the invention, the storage medium 130 is on the information registration server 100 on the information registration system, or on a financial system provided on (or associated with) the information registration system. DBMS, or a predetermined system (or a predetermined server (e.g., an information provision server described below, etc.) in the system (e.g., an information provision system described below, etc.)) associated with the information registration system (or financial system). It is preferable to be provided in at least one of them.

When the storage medium 130 is provided in the DBMS on the financial system, the storage information (eg, financial transaction information providing service registration information, etc.) stored in the storage medium 130 is as shown in FIGS. 3A and 3B below. It may be a predetermined database included in or associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 may include at least one of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information registration system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

According to the present invention, the information registration server 100 provided on the information registration system shown in FIG. 1 is a generic term for components of the information registration system side connected to the information registration terminal through a predetermined network means. It may be implemented by including at least one server (or device), or may be 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 is a window terminal or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 100 is connected to the window terminal through a predetermined financial network. Or a ledger server provided on a financial system connected to a financial automation device (not shown), or a server (or device) provided (or linked) to an external system on the financial system, or to an external system on the financial system. The program may be provided, but the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal includes a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 is on the internet banking system. Either a predetermined internet banking server or a program provided in the internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the internet banking system, or the server (or device) Or a server (or device) provided in the external system on the financial system accessible through the Internet banking server (or the server (or device)), or in the external system on the financial system. It may be a program, but the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal includes a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or to the server (or device). A program provided, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program provided in the external system on the financial system. The present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the information registration server 100 is configured on the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided in the program, or a program included in the telebanking server, or a predetermined access to the external system of the financial system through the telebanking system. A server (or device) that is a server (or device), a program included in the server (or device), or an external device on the financial system accessible through the telebanking server (or the server (or device)). Or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another embodiment of the present invention, when the information registration terminal 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 100 is the TV banking system A predetermined TV banking server provided on the program, a program provided in the TV banking server, a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the information registration terminal is a teller terminal or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 105 is based on a protocol stack defined in the financial network. At least one or more communication channels connected to the teller terminal or the automated teller machine (not shown) and using a communication protocol defined in a financial transaction related program included in the teller terminal or the automated teller machine (not shown). It is desirable to provide a communication interface for transmitting and receiving information (or data) (eg, financial transaction information providing service registration information, etc.).

According to another embodiment of the present invention, when the information registration terminal includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 105 is defined in the wired network or a wireless network. Connect a predetermined communication channel with the information registration terminal based on a protocol stack, and provide at least one or more information (or data) (eg, financial transaction information) using a communication protocol defined in a communication program provided in the information registration terminal. Service registration information, etc.) 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 information registration terminal, the interface unit 105 establishes a communication channel with the information registration terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the information registration terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 is based on the TCP / IP protocol and the information registration terminal. And a communication channel and provide 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 includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 registers the information based on a 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 information registration terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the information registration terminal, the interface unit 105 may be connected to the information registration terminal based on the CDMA protocol. Connect a communication channel and provide a communication interface for transmitting and receiving a web page (for example, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. .

Alternatively, when the information registration terminal is provided with a communication program (eg, IC chip based banking program) provided by the information registration server 100, the interface unit 105 registers the information based on the CDMA protocol. It connects a communication channel with a terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is defined in the wired telephone network and / or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. can do.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 1, the information registration server 100 receiving, storing, and registering financial transaction information providing service registration information from a customer may be connected to a financial system through a predetermined interface means, or may be provided in the financial system. The financial institution may include a predetermined financial system for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) service to at least one financial transaction customer.

The financial system provided in the financial institution 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). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

Further, at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the financial institution, and / or at least one affiliated with the financial institution Through 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 in a public place and a predetermined financial network (eg, a CD common network) Characterized in that the connection, and provides the non-face-to-face financial transaction services to at least one financial transaction customer through the financial terminal.

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 connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless call terminal (e.g., PCS and / or GSM) connected to the above-mentioned wired call 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). Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a terminal and / or a smartphone).

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. 1, the financial system is a computerized 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. In addition, the accounting system for processing counter services such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), the information system for processing the headquarters business, the branch information support and customer information management, and Interconnection between the financial 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 chips) provided in at least one or more external communication networks. Based wireless banking, telebanking, TV banking, etc.) to the financial system, and 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 it will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and thus the present invention is not limited.

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.

Referring to FIG. 1, when the information registration terminal is connected to the information registration server 100 through the interface unit 105, the information registration server 100 cooperates with the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined information registration interface for inputting (or selecting) and transmitting at least one financial transaction information providing service registration information to the information registration terminal; An information receiving unit 115 which receives financial transaction information providing service registration information input (or selected) and transmitted from the information registration terminal through the information registration interface in connection with the unit 105; and providing the received financial transaction information. An information reading unit 120 for reading service registration information, and opening the read financial transaction information providing service registration information and the customer information. Processing is characterized in that formed by a storage, a registration-information storage unit 125 in the storage medium 130.

The interface providing unit 110, when the information registration terminal is connected to the information registration server 100 through the interface unit 105, the financial transaction information providing service corresponding to the functional configuration provided in the information registration terminal Input (or select) registration information to generate a predetermined information registration interface that can be transmitted to the information registration server 100 through the network means, or extract from a predetermined database (not shown), and extract the interface unit ( And the information registration interface generated (or extracted) in cooperation with 105) to the information registration terminal through the network means.

In the case of inputting (or selecting) the financial transaction information providing service registration information through the information registration interface for inputting (or selecting) the financial transaction information providing service registration information according to an embodiment of the present invention, the information registration interface may be configured as the information registration interface. And an interface for inputting (or selecting) customer financial transaction information and customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

Thereafter, the information registration terminal inputs (or selects) the financial transaction information providing service registration information based on the information registration interface, and inputs the input (or selected) financial transaction information providing service registration information through the network means. It transmits to the information registration server 100.

According to an embodiment of the present invention, when the information registration terminal includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface providing unit 110 is a browser program provided in the information registration terminal. Alternatively, a predetermined information registration interface that can be provided by a communication program may be generated (or extracted), and the generated (or extracted) information registration interface may be provided to the information registration terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 110 is provided by a browser program or a communication program provided in the information registration terminal. A predetermined information registration interface may be generated (or extracted) as possible, and the generated (or extracted) information registration interface may be provided to the information registration terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). A predetermined information registration interface is generated (or extracted), and the generated (or extracted) information registration interface (eg, ARS based user interface) is transferred to the information registration terminal (call terminal) through the interface unit 105. Can provide.

When the information receiving unit 115 inputs (or selects) financial transaction information providing service registration information through the information registration interface and transmits the information through the network means, the information receiving unit 115 interworks with the interface unit 105. And receiving the financial transaction information providing service registration information, and the received financial transaction information providing service registration information is provided to the information reading unit 120.

When the customer information and the financial transaction information providing service registration information are received through the information receiving unit 115, the information reading unit 120 reads the received financial transaction information providing service registration information and the financial transaction information. The customer financial transaction means included in the provided service registration information is identified. The read financial transaction information providing service registration information is provided to the information storage unit 125.

When the received financial transaction information providing service registration information is read through the information reading unit 120, the information storage unit 125 processes the read financial transaction information providing service registration information in association with the customer information. Characterized in that the storage medium 130,

When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 registers the financial transaction information providing service. Preferably, information is stored in the storage medium 130. When the storage medium 130 is provided in a DBMS provided on a financial system, the information storage unit 125 registers the financial transaction information providing service. It is desirable to provide and store the information system through the external system on the financial system.

2 is a diagram illustrating the configuration of information in a storage medium 130 according to an embodiment of the present invention.

In more detail, according to the embodiment of the present invention, when receiving the financial transaction information providing service registration information for receiving the financial transaction details of the customer during a predetermined financial transaction of the customer, the received financial The information configuration of the storage medium 130 for storing transaction information providing service registration information in association with the customer information and stored, if the person of ordinary skill in the art to which the present invention pertains, see FIG. Alternatively, it may be possible to infer various embodiments of the configuration of the storage medium 130 in which the financial transaction information providing service registration information is stored through the information registration system illustrated in FIG. It includes an embodiment configuration, and is not limited to the embodiment configuration shown in FIG.

Referring to FIG. 2, the illustrated storage medium 130 is provided in the information registration server 100 on the information registration system shown in FIG. 1 and / or provided on the information registration system (or the information registration). Any server in a given system (or system (eg, an information providing system, etc. described below)) provided in a DBMS on a financial system associated with the system, and / or associated with the information registration system (or financial system) ( For example, the information providing server and the like described below)) is characterized in that it is provided.

When the storage medium 130 is provided in the DBMS on the financial system, an embodiment of the configuration of storage information (eg, financial transaction information providing service registration information, etc.) stored in the storage medium 130 is shown in FIG. 3A. 3B and 3B, the storage information may be a predetermined database included in the ledger D / B or linked to the ledger D / B.

In addition, the storage medium 130 may include at least one of an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system provided on (or associated with) the information registration system. It is possible to have a DBMS on the banking system.

2, the storage medium 130 is characterized in that the financial transaction information providing service registration information provided from the customer and the customer information is stored in association. However, the information stored in the illustrated storage medium 130 is just one embodiment provided to help understanding of the present invention, and those skilled in the art may implement the present invention without departing from the spirit and scope of the present invention. It should be noted that additions, modifications, and deletions may be possible without limitation.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

3A and 3B illustrate a structure of customer ledger information in which financial transaction information provision service registration information provided from a customer according to an embodiment of the present invention is stored.

In more detail, FIGS. 3A and 3B illustrate that after the financial transaction information providing service registration information is received from the customer through the information registration system shown in FIG. 1, the received financial transaction information providing service registration information is shown in FIG. As illustrated in FIG. 3A, a method of implementing information is included in (or linked to) the customer ledger on the financial system shown in FIG. 1 or stored in a predetermined database associated with the customer ledger. The financial transaction information providing service registration information provided is processed in association with the customer ledger and stored, and Figure 3b is a predetermined database in which the financial transaction information providing service registration information provided from the customer is associated with the customer ledger. It is about the implementation method which is stored in.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 3a and 3b, and the financial transaction information providing service registration information provided from the customer through the process of FIG. Various implementation methods stored in a predetermined database associated with the ledger or customer ledger may be inferred, but the present invention includes all of the inferred implementation methods and is not limited to the implementation methods shown in FIGS. 3A and 3B. No.

Referring to Figure 3a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, region classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, 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. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to Figure 3a, the customer ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It is relationally processed with a predetermined ledger (or ledger) that includes at least one or more individual interest rate reference and the date of final interest calculation, etc., and the ledger (or ledger) includes account number, withdrawal (months), period Number of days), periodic reception information including at least one term extension, expiration date and target amount, and / or trust including at least one account number, deposit amount, par value, pension date and number of shares corresponding to the account ledger. New information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number, batch transaction, date of commencement, bank account line, Briefly, transactional information including at least one or more including CIF is processed in relational relations, etc. If one of ordinary skill in the art to which the present invention belongs, the ledger to be processed in relation to the customer ledger is the reception ledger ( Or other general ledgers, but may also include other types of ledgers (eg, loan (or investment) ledgers, secured ledgers, securities ledgers, remittance ledgers, funds ledgers, customer asset ledgers, etc.). In addition, since at least one or more additional information that is associated with each ledger will be clearly understood, a detailed description thereof will be omitted for convenience.

In addition, referring to FIG. 3a, the customer ledger includes financial information including at least one CIF number, year, B / S amount, P / L amount, manufacturing cost amount, and financial ratio, and / or CIF number, period, loan. (Or investment) Profitability analysis information, including at least one or more of financial balance, fund contribution rate, credit subject code, credit subject credit, credit subject borrowing interest, and / or CIF number, year, cash inflows, cash sales cost, cash Additional information such as general management costs, cash flow information including at least one or more cash flows is processed in connection, if the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is In addition to financial information, profitability analysis information, cash flow information, and other forms of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, region code) Information, group code information, postal code information, limit information by CIF (Customer Information File), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.). Therefore, detailed description thereof will be omitted for convenience.

In FIG. 3A according to a preferred embodiment of the present invention, the financial transaction information providing service registration information provided from the customer may be stored in the form of additional information processed in association with the customer ledger. The transaction information providing service registration information may be stored in association with a CIF number for cooperatively processing the financial transaction information providing service registration information with the customer ledger, and the financial transaction information providing service registration information stored in association with the CIF number is The financial transaction means information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

Referring to FIG. 3B, the financial transaction information providing service registration information provided from the customer is processed in association with the CIF number corresponding to the customer ledger and stored in a predetermined database, thereby providing financial transaction information provided from the customer stored in the database. The service registration information is characterized in that the relationship is processed in relation to the customer ledger stored in the ledger D / B, the financial transaction information providing service registration information, the customer at a predetermined financial transaction, the financial transaction details Characterized in that it comprises the customer financial transaction means information and customer specific information for receiving (for example, to receive the financial transaction details through a widget function provided in the customer terminal), the financial transaction means information May include customer card (eg, credit, debit, check card, etc.) information (eg, Card number, etc.), customer financial account information (for example, financial account number, etc.).

4 is a diagram illustrating a process of storing and registering financial transaction information providing service registration information in a predetermined storage medium 130 according to an exemplary embodiment of the present invention.

In more detail, FIG. 4 shows that the information registration server 100 on the information registration system shown in FIG. 1 provides financial transaction information with a predetermined information registration terminal operated by a branch employee of a financial institution, or operated by the customer. After connecting a communication channel for registering service registration information, and transmitting the financial transaction information providing service registration information from the information registration terminal to the information registration server 100 through the communication channel, the information registration server 100 The present invention relates to an implementation method of registering and storing the received financial transaction information providing service registration information in association with the customer information in a predetermined storage medium 130, and having a general knowledge in the technical field to which the present invention belongs. The financial transaction information from the information registration terminal in the information registration server 100, Although various implementation methods for receiving public service registration information and storing and registering it in the storage medium 130 may be inferred, the present invention includes all the implementation methods inferred, and the implementation method illustrated in FIG. It is not limited to this.

4 includes an interface for inputting (or selecting) financial transaction information providing service registration information into a predetermined information registration interface provided from the information registration server 100 to the information registration terminal. After the financial transaction information providing service registration information is provided from the information registration terminal to the information registration server 100, the financial transaction information providing service registration information is linked to the customer information by the information registration server 100. The present invention relates to an implementation method of processing and storing and registering in a predetermined storage medium 130.

Referring to FIG. 4, when the information registration terminal shown in FIG. 1 is a predetermined network means (for example, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, A predetermined communication channel for accessing the information registration server 100 through a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc. to register financial transaction information providing service registration information according to an embodiment of the present invention. Connection, and requesting registration of the financial transaction information providing service registration information (400), the information registration server 100 generates (or extracts) a predetermined information registration interface for registering the financial transaction information providing service registration information. (405), the generated (or extracted) interface (or web page including the interface) through the communication channel to the information registration terminal And transmitting to the output (410).

According to an embodiment of the present invention, the information registration interface preferably comprises an interface for inputting (or selecting) the financial transaction information providing service registration information in the information registration terminal.

In addition, the process of transmitting and / or outputting the information registration interface (or a predetermined web page including the information registration interface) may be performed at least once according to the financial transaction information providing service registration information registration procedure according to the embodiment of the present invention. The present invention is not limited thereby.

When the financial transaction information providing service registration information is input (or selected) through the information registration interface for inputting (or selecting) the financial transaction information providing service registration information according to an embodiment of the present invention, the information registration interface may include It may be configured to include an interface for inputting (or selecting) the financial transaction information providing service registration information and the like.

In more detail, the interface for inputting (or selecting) the financial transaction information providing service registration information comprises the customer financial transaction means information and customer specific information, and the customer card (eg, It may be configured to include an interface for inputting (or selecting) credit (debit, debit card, etc.) information (eg, card number, etc.), customer financial account information (eg, financial account number, etc.).

Thereafter, the information registration terminal, through the information registration interface, the customer card (eg, credit, debit, check card, etc.) information (eg, card number, etc.), customer financial account information (eg, financial account number, etc.), The financial transaction information providing service registration information including the customer specific information is input (or selected) (415).

If the financial transaction information providing service registration information is input (or selected) from the information registration terminal through the information registration interface (420), the information registration terminal registers the financial transaction information providing service registration information through the communication channel. It is transmitted to the information registration server 100 (425).

Then, the information registration server 100 receives the financial transaction information providing service registration information through the communication channel, reads the received financial transaction information providing service registration information (430), the financial transaction information providing service The registration information and the customer information are checked, and the identified customer information and the financial transaction information providing service registration information are cooperatively processed and stored and registered in the storage medium 130 (435).

5 is a diagram illustrating an information providing system that provides the financial transaction details through a widget function included in the customer terminal 555 during a customer financial transaction according to an embodiment of the present invention.

In more detail, Figure 5, through the information registration system shown in Figure 1, when the customer financial transaction occurs, in order to receive the generated financial transaction details through the widget provided in the customer terminal 555, customer finance After storing the transaction means information and the customer specific information in the storage medium 550, each time the financial transaction of the customer occurs, by checking the generated financial transaction history, the widget (Widget) provided in the customer terminal (555) As an information providing system configuration provided to the customer through the), those of ordinary skill in the art to which the present invention pertains, the occurrence of the financial transaction of the customer by referring to and / or modifying the figure 5 By verifying the financial transaction history, various implementation methods for configuring the information providing system for providing to the customer through the widget (Widget) provided in the customer terminal 555 It may be ugly, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

According to FIG. 5, a configuration corresponding to at least one or more means and / or functional configurations for providing a financial transaction occurrence history of the customer through a widget provided in the customer terminal 555 in the illustrated information providing system. The element is referred to as "information server 500" for convenience.

According to the method of the present invention, the customer registers the financial transaction details according to the occurrence of the financial transaction through the information registration system shown in FIG. 1 to the service provided through the widget provided in the customer terminal 555, In this process, the customer registers the financial transaction information and the customer specific information to be provided through the widget.

Here, the widget is a kind of personalized program that replaces the web browser in the customer terminal 555 (for example, a PC, etc.), and launches a web browser for searching for existing information, and omits the process of accessing a desired website. In addition, the desired information can be viewed in a small window, in particular, according to the present invention, the widget, when the customer's financial transaction occurs (eg, transfer (including direct debit), deposit, withdrawal, card use, etc.), the financial transaction The occurrence history may be provided on the screen of the customer terminal 555 through a widget (eg, a financial information provider widget, etc.) provided in the customer terminal 555.

Referring to FIG. 5 according to an embodiment of the present invention, through the information registration system shown in FIG. 1, a widget provided in the customer terminal 555 for the financial transaction details according to the financial transaction occurrence according to the present invention. When a predetermined financial transaction occurs from at least one financial transaction means registered by the customer with reference to the customer information registered in the service provided through the customer and the financial transaction means information of the customer, the generated financial transaction details (eg, transfer (automatic) Information transfer system for providing the customer to the customer through a widget provided in the customer terminal 555, including a transfer), a deposit, withdrawal, card use, etc., at least a wired terminal or a wireless terminal or a window terminal used by the customer. Characterized in that it comprises one or more comprising a customer terminal 555, the customer terminal 555 used by the customer The information providing server 500 and the communication channel is provided on the information providing system is connected via a defined network unit.

According to one embodiment of the invention, the customer is provided with a widget provided in the customer terminal 555 a predetermined financial transaction details generated from at least one financial transaction means registered by the customer from the information providing server 500 In order to be provided through the information providing server 500 and a terminal provided in a specific institution connected to a communication channel by a predetermined network means (for example, the information providing server 500 for providing the information providing service is a financial institution server or financial In the case of a predetermined server interworking with the institution server, the terminal may include a counter terminal provided in the financial institution) or a wired terminal or a wireless terminal used by the customer as the customer terminal 555 to the customer terminal 555. Receiving the generated customer financial transaction details from the information providing server 500 provided on the information registration system through the provided widget The features.

To this end, the customer terminal 555 is preferably provided with a widget (eg, Financial Info. Widget) for performing a financial transaction history providing function linked with the information providing server 500, the customer terminal 555 Widget provided in the) is characterized in that it is provided (for example, downloaded) from the information providing server 500 or a predetermined server linked to the information providing server 500.

According to the implementation method of the present invention, the financial transaction details, characterized in that it further comprises the financial transaction schedule details of the customer (for example, card payment history (card bills) or card payment date and time, etc.) .

In addition, according to the embodiment of the present invention, the financial transaction details, characterized in that the balance further comprises the balance of the customer financial account.

More specifically, in order to execute a widget (eg, Financial Info. Widget) that performs the financial transaction details providing function, the customer terminal 555 includes a widget engine 560 (Widger Engine) for executing the widget. Preferably, the widget engine 560 is a JavaScript runtime engine that operates in the Microsoft Window and Macintosh environments, and downloads the widget to the customer terminal 555 for the first time. Characterized in that the process is installed through the widget installation wizard.

According to an embodiment of the present invention, the widget may be automatically executed when the window is driven according to an initial setting. However, in order to provide information requiring security such as the customer transaction history information, a predetermined login (eg, The customer transaction history information from the information providing server 500 through a predetermined communication network (eg, a communication control network based on TCP / IP, etc.) according to a predetermined ID, a login using a password, etc.). It is desirable to obtain.

In addition, according to an embodiment of the present invention, when the widget and / or widget engine 560 for outputting the customer financial transaction history information are not provided to the client terminal 555, the customer is connected to a predetermined wired network. Connect to the information providing server 500 through at least one customer terminal 555 of a wired terminal connected or a wireless terminal connected to a predetermined wireless communication network, and provide a predetermined widget providing interface provided by the information providing server 500. When requesting (selection) the download of a widget that performs the function of providing the customer financial transaction details information during a customer financial transaction according to the present invention, the customer terminal 555 provides the information through a predetermined network means. It can be transmitted to the information providing server 500 provided on the system.

Here, the wired terminal connected to the wired network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless network is any terminal device connected to a CDMA-based mobile communication network, or all terminal devices connected to the IEEE 802.16x-based portable Internet, or Motorola's DataTAC method or Erricson's Mobitex. General term for all terminal devices connected to a wireless wireless data communication network, a personal communication system (PCS) and / or a global system for mobile communications (GSM) terminal and / or a personal digital cellular terminal connected to the CDMA-based mobile communication network. (Personal Digital Cellular; PDC) and / or PHS (Personal Handyphone System) terminal or Personal Digital Assistant (PDA) and / or smartphone (Smart Phone) or Telematics, or the IEEE 802.16x based portable To a portable Internet terminal connected to the Internet, or to the DataTAC / Mobitex based wireless data communication network. It may include at least one or more connected wireless data communication terminal.

In addition, the information providing server 500 connected to the customer terminal 555 is any one of an internet banking server, a wireless banking server, a telebanking server or a TV banking server according to the characteristics of the customer terminal 555 and the network means. Or may be connected to the internet banking server, the wireless banking server, the telebanking server or the TV banking server, or include at least one or more separate web servers for providing the information.

In addition, the network means for connecting the customer terminal 555 and the information registration server is a CDMA-based mobile communication network or IEEE 802.16x-based portable Internet or DataTAC / according to the type of wireless network connected to the customer terminal 555 Any of Mobitex-based wireless data communication networks, or may include any type of wireless communication networks proposed in the future including a predetermined wireless interval.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the customer terminal 555 corresponding to at least one or more wired terminals or wireless terminals, and thus the detailed description thereof is omitted for convenience. do.

Referring to FIG. 5, the storage medium 550 provided on the illustrated information providing system is provided with the financial transaction information providing service of the customer provided from the information registration terminal through the information registration system shown in FIG. 1. Characterized in that the registration information and the customer information is stored in association, the customer information and the financial transaction information providing service registration information stored in the storage medium 550 is shown in Figure 5 according to the method of the present invention Through the provided information providing system, the financial transaction details according to the financial transaction of the customer is provided through the widget function provided in the customer terminal 555, the financial transaction history information is further linked to the customer information processing And is stored in the storage medium 550.

In addition, the storage medium 550 may further store widget information of a function of providing customer financial transaction information to be provided to the customer terminal 555.

According to one embodiment of the invention, the storage medium 550 is provided on an information providing server 500 on the information providing system, or on a financial system provided on (or associated with) the information providing system. At least one of a DBMS or a predetermined system (or a predetermined server (eg, the above described information registration server, etc.) in the system (eg, the above described information registration system, etc.)) associated with the information providing system (or financial system). It is preferable to be provided in one or more.

When the storage medium 550 is provided in the DBMS on the financial system, the storage information (eg, financial transaction information providing service registration information and financial transaction history information) stored in the storage medium 550 is shown in FIG. 7A. And a database included in the ledger D / B or linked to the ledger D / B as shown in FIG. 7B, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 550 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the information providing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

According to the present invention, the information providing server 500 provided on the information providing system shown in FIG. 5 is a generic term for the information providing system side components connected to the customer terminal 555 through a predetermined network means. It may be implemented by including at least one server (or device), or may be 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 customer terminal 555 includes a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information providing server 500 may be configured on the internet banking system. Is a predetermined Internet banking server provided in the, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. The program may be provided, but the present invention is not limited thereto.

According to another embodiment of the present invention, when the customer terminal 555 includes a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information providing server 500 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) A program included in, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the customer terminal 555 is a wired terminal (or two-way digital TV) capable of connecting with a TV banking server on a predetermined TV banking system, the information providing server 500 may include the TV. A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (or the server (or device)), or the finance It may be a program provided in the external system on the system, whereby the present invention is not limited.

According to an embodiment of the present invention, the information providing server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the customer terminal 555 through the network means. .

According to an embodiment of the present invention, when the customer terminal 555 includes a wired terminal or a wireless terminal connected to a predetermined wired network or a wireless network, the interface unit 505 is defined in the wired network or a wireless network. Connect a predetermined communication channel with the customer terminal 555 based on the established protocol stack, and use at least one information (or data) (for example, using a communication protocol defined in a communication program included in the customer terminal 555). It is desirable to provide a communication interface for transmission and reception.

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 555, the interface unit 505 communicates with the information registration terminal and the information registration terminal based on the TCP / IP protocol. And a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the customer terminal 555 is provided with a communication program (eg, an internet banking program) provided by the information providing server 500, the interface unit 505 is based on the TCP / IP protocol. It connects the communication channel with the terminal 555, 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 customer terminal 555 includes a wireless terminal connected to a predetermined wireless network, the interface unit 505 may be configured based on the protocol stack defined in the wireless network. It is preferable to provide a communication interface for connecting at least one communication channel with an information registration terminal and at least one information (or data) transmission and reception using a communication protocol defined in a communication program included in the customer terminal 555. .

For example, when the client terminal 555 is provided with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 505 may be configured based on the CDMA protocol. 555 connects a communication channel and communicates for transmission and reception of a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information using a WAP / ME protocol defined in the browser program. Provide an interface.

Alternatively, when the customer terminal 555 is provided with a communication program (eg, an IC chip-based banking program) provided by the information providing server 500, the interface unit 505 is based on the CDMA protocol. It connects a communication channel with a customer terminal 555 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 customer terminal 555 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 505 is a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 5, when the financial transaction of the customer occurs, the information providing server 500 checks the generated financial transaction history and provides it to the customer through a widget provided in the customer terminal 555. May be connected to the financial system through a predetermined interface means, or may be provided in the financial system, and the financial institution may provide at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment) to at least one financial transaction customer. Etc.) A predetermined financial system for providing a service is provided.

The financial system provided in the financial institution 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). It provides face-to-face financial transaction services to at least one financial transaction customer through the counter terminal.

Further, at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (and / or branch) of the financial institution, and / or at least one affiliated with the financial institution Through 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 in a public place and a predetermined financial network (eg, a CD common network) Characterized in that the connection, and provides the non-face-to-face financial transaction services to at least one financial transaction customer through the financial terminal.

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 or more customer terminals 555 (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN. Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

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. 5, the financial system is a computerized 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. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial 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 chips) provided in at least one or more external communication networks. Based wireless banking, telebanking, TV banking, etc.) to the financial system, and 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 a detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the information providing server 500 has a customer terminal 555 connected to the information providing server 500 through the interface unit 505 installed in the customer terminal 555 according to the present invention. When requesting a download of a widget that performs a financial transaction history information providing function to be generated, a download interface of a widget to be installed in the customer terminal 555 in cooperation with the interface unit 505 is generated to the customer terminal 555. The interface providing unit 510 to provide, the information receiving unit 515 for receiving the widget information requested by the customer through the download interface in conjunction with the interface unit 505 and the received widget information to check A widget providing unit 520 for downloading and providing a widget for performing the financial transaction history information providing function to the customer terminal 555, and the financial transaction provided in the customer terminal 555; When executing a widget that performs a history information providing function, receives a customer specific information input through the widget, the customer authentication unit 530 for authenticating the widget execution customer, and after the authentication is completed, the authenticated customer information Confirm (or extract) customer financial transaction information from the storage medium 550 and interwork with the financial system through a predetermined interface means to identify the financial transaction history corresponding to the customer financial transaction information; When the information checking unit 545 and at least one financial transaction history corresponding to the customer financial transaction information is confirmed as the result, the identified financial transaction history information is converted into a widget provided in the customer terminal 555. It comprises a widget operation unit 535 for transmitting.

According to an exemplary embodiment of the present invention, the information providing server 500 processes the financial transaction information confirmed through the information checking unit 545 in association with the customer information and stores the information in the storage medium 550. It may be configured to further include a storage unit 540.

When the widget providing unit 520 receives a download request of the widget for performing the financial transaction history information providing function according to the embodiment of the present invention from the client terminal 555, the widget providing unit 520 receives the downloaded widget from the network means. It is characterized by downloading to the customer terminal 555 through.

Here, the widget for performing the financial transaction history information providing function downloaded to the customer terminal 555, at least one * .kon file and at least one * .js file for performing the financial transaction history information providing function Characterized in that comprises a.

The * .kon file is a main code file of a widget, and is a file that is read for the first time when a customer executes a widget for performing the financial transaction information providing function through the widget engine 560 on the customer terminal 555. As it contains widget functions, usually JavaScript.

The * .js file stores most of JavaScript required in the process of executing a widget for the customer to perform the financial transaction information providing function through the widget engine 560 on the customer terminal 555.

The customer authentication unit 530, when executing the widget to perform the financial transaction history information providing function provided in the customer terminal 555, characterized in that for authenticating the customer running the widget.

For example, in the process of executing the widget that performs the financial transaction information providing function, the widget may request input of predetermined authentication information (eg, ID, password, etc.) for the widget execution customer authentication. When the customer inputs the authentication information through a predetermined key input means (for example, a keyboard, etc.) provided in the customer terminal 555, the widget transmits the input authentication information through the network means to the customer authentication unit ( 530, and the customer authentication unit 530 may authenticate the widget execution customer by comparing the authentication information transmitted from the widget of the customer terminal 555 with the authentication information stored in the storage medium 550. have.

When the authentication of the widget execution customer is completed in the customer terminal 555 through the customer authentication unit 530, the information checking unit 545 is processed in association with the customer information from the storage medium 550 and stored. Identify at least one customer financial transaction means information, periodically request, through a predetermined interface means, the financial transaction details for the identified financial transaction means, and finance the financial transaction means from the financial system; Characterized in that the transaction history information is provided, the financial transaction history information for the provided customer financial transaction means is transmitted to the widget management unit (535).

According to another exemplary embodiment, the information checking unit 545 may receive and confirm the generated financial transaction history information from the financial system when the financial transaction history for the customer financial transaction means occurs. The confirmed financial transaction history information is transmitted to the widget manager 535.

In addition, according to another exemplary embodiment of the present invention, the information checking unit 545 may further receive payment schedule information of the customer (eg, card payment history, card payment date and time) from the financial system. It is done.

For example, when the payment schedule information of the customer is generated through the financial system (for example, when the card payment history is generated or when the card payment history is on / offline, etc.), the information checking unit 545 is generated (or Confirmed or scheduled to be sent to the customer payment information, and can be delivered to the widget management unit (535).

In addition, according to another embodiment of the present invention, the information verification unit 545, characterized in that further receiving the financial account balance shortage information of the customer from the financial system.

For example, in the process of payment (or transfer) of a predetermined amount (eg, credit card payment or direct debit) from the customer's financial account, the payment (or transfer) is made due to insufficient balance of the customer's financial account. If not performed successfully, the information checking unit 545 may receive the lack of balance of the customer financial account from the financial system, and transmit it to the widget operation unit 535.

When the widget management unit 535 confirms at least one or more financial transaction details information (or payment schedule information, etc.) for the customer financial transaction means through the information verification unit 545, the widget terminal 555 of the customer terminal 555 Check whether the widget is executed, and transmits the identified financial transaction history information to the widget executed in the customer terminal 555 to output through the widget.

According to the exemplary embodiment of the present invention, at least one financial transaction history information is confirmed from the customer financial transaction means, but as a result of checking whether the widget of the client terminal 555 is executed, the widget executed in the client terminal 555 is terminated. If so, the widget management unit 535 stores the widget in the storage medium 550 through the information storage unit 540 until the widget is re-executed in the customer terminal 555.

6 is a diagram illustrating the configuration of information in a storage medium 550 according to an embodiment of the present invention.

In more detail, according to the method of the present invention, when the predetermined financial transaction of the customer receives the financial transaction information providing service registration information for receiving the financial transaction details of the customer, the received financial The transaction information providing service registration information is stored in association with the customer information, and when a predetermined financial transaction history for the customer financial transaction means occurs, the information structure of the storage medium 550 for storing the generated financial transaction history As those skilled in the art to which the present invention pertains, the financial transaction information providing service registration information and the financial transaction history are provided through the information providing system shown in FIG. Although various implementations may be inferred for the configuration of the storage medium 550 in which the information is stored, the present invention is inferred from the analogy. It includes all embodiments, and is not limited to the embodiment shown in FIG.

Referring to FIG. 6, the illustrated storage medium 550 is provided in the information providing server 500 on the information providing system shown in FIG. 5 and / or provided on the information providing system (or the information providing). Any server within a given system (or system (eg, the above described information registration system, etc.)) provided in a DBMS on a financial system associated with the system and / or linked with the information providing system (or financial system) (For example, the above-described information registration server, etc.)).

When the storage medium 550 is provided in the DBMS on the financial system, an embodiment of the configuration of storage information (eg, financial transaction information providing service registration information, etc.) stored in the storage medium 550 is shown in FIG. 7A. 7B and 7B, the storage information may be a predetermined database included in the ledger D / B or linked to the ledger D / B.

In addition, the storage medium 550 may include at least one of an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system provided on (or associated with) the information provision system. It is possible to have a DBMS on the banking system.

Referring to FIG. 6, the storage medium 550 is characterized in that the financial transaction information service registration information provided from the customer and the customer information are stored in association with each other. However, the information stored in the illustrated storage medium 550 is just one embodiment provided to help the understanding of the present invention, and those skilled in the art may implement the present invention without departing from the spirit and scope of the present invention. Unless otherwise specified, additions, modifications, and deletions may be possible.

The financial transaction information providing service registration information is characterized in that it comprises the financial transaction means information to be provided through the widget function provided in the customer terminal 555, the customer financial transaction history, and customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

The financial transaction details information, financial transaction date information, financial transaction amount information, financial transaction place information, financial transaction according to the use of the customer financial transaction means (for example, transfer (including direct debit), deposit, withdrawal, card use, etc.) And at least one of information and the like.

7A and 7B illustrate a structure of customer ledger information in which financial transaction history information is stored according to the use of customer financial transaction means according to an embodiment of the present invention.

In more detail, Figures 7a and 7b are based on the financial transaction information providing service registration information received after the financial transaction information providing service registration information is received from the customer through the information registration system shown in FIG. When the financial transaction history corresponding to the customer financial transaction means occurs through the information providing system shown in FIG. 5, the generated financial transaction history information is included (or linked) in the customer ledger on the financial system shown in FIG. Or a method of configuring information stored in a predetermined database associated with the customer ledger, specifically, FIG. 7A shows financial transaction details information associated with the use of the customer financial transaction means associated with the customer ledger. It is about an implementation method that is processed and stored, Figure 7b is gold according to the use of the customer financial transaction means It relates to an implementation method in which the transaction history information is stored in a predetermined database associated with the customer ledger.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b and through the process of FIG. Alternatively, various implementation methods stored in a predetermined database associated with the customer ledger may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 7A and 7B. .

Referring to Figure 7a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area classification code, telephone number, business number, trade name, classification code , Expiry Date, Status Main 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. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to Figure 7a, the customer ledger account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance, bankbook Number, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate accounting, flat consolidation, final payment interest, final payment transaction number, It is relationally processed with a predetermined ledger (or ledger) that includes at least one or more individual interest rate reference and the date of final interest calculation, etc., and the ledger (or ledger) includes account number, withdrawal (months), period ( Number of days), periodic reception information including at least one term extension, expiration date and target amount, and / or trust including at least one account number, deposit amount, par value, pension date and number of shares corresponding to the account ledger. New information, and / or account number, transaction number, date, point number, commodity type, transaction type, cash amount, RBI, batch number, batch transaction, date of commencement, bank account line, Briefly, transactional information including at least one or more including CIF is processed in relational relations, etc. If one of ordinary skill in the art to which the present invention belongs, the ledger to be processed in relation to the customer ledger is the reception ledger Obviously, other forms of ledgers (eg, loan (or investment) ledgers, mortgage ledgers, securities ledgers, remittance ledgers, funds ledgers, customer asset ledgers, etc.) may be included in addition to the (or ledger). As it will be understood, and at least one additional information that is associated with each ledger will be clearly understood, detailed description thereof will be omitted for convenience.

In addition, referring to FIG. 7a, the customer ledger includes financial information including at least one of a CIF number, a year, a B / S amount, a P / L amount, a manufacturing cost amount, and a financial ratio, and / or a CIF number, period, and loan. (Or investment) Profitability analysis information, including at least one or more of financial balance, fund contribution rate, credit subject code, credit subject credit, credit subject borrowing interest, and / or CIF number, year, cash inflows, cash sales cost, cash Additional information such as general management costs, cash flow information including at least one or more cash flows is processed in connection, if the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is In addition to financial information, profitability analysis information, cash flow information, and other forms of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, region code) Information, group code information, postal code information, limit information by CIF (Customer Information File), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.). Therefore, detailed description thereof will be omitted for convenience.

In FIG. 7A according to a preferred embodiment of the present invention, the financial transaction history information using the customer financial transaction means may be stored in the form of additional information processed in connection with the customer ledger. Preferably, the financial transaction history information is stored in association with a CIF number for cooperative processing with the customer ledger, and the financial transaction history information stored in association with the CIF number includes the customer financial transaction history with the customer terminal 555. Financial transaction means information to be provided through the widget function provided in, and customer specific information and financial transaction date and time information, financial transaction amount information, financial transaction place information, financial transaction information, and the like.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

Referring to FIG. 7B, the financial transaction history information according to the use of the customer financial transaction means is processed in association with the CIF number corresponding to the customer ledger and stored in a predetermined database, and according to the use of the customer financial transaction means stored in the database. Financial transaction history information is characterized in that the relational processing and the relational processing with the customer ledger stored in the ledger D / B, the financial transaction history information, for the customer to receive a predetermined financial transaction, the financial transaction history (E.g., to receive the financial transaction details through a widget function included in the customer terminal 555), the customer financial transaction information is stored in association with the customer specific information, and the financial transaction date information and the financial transaction amount. Information, financial transaction place information, financial transaction information, and the like.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

8 is a diagram illustrating a process of providing a financial transaction history according to a customer financial transaction through a widget function included in the customer terminal 555 according to an embodiment of the present invention.

In more detail, FIG. 8 shows, through the information providing system shown in FIG. 5, when a customer financial transaction occurs, in order to receive the generated financial transaction details through a widget provided in the customer terminal 555, customer finance. After storing the transaction means information and the customer specific information in the storage medium 550, each time the financial transaction of the customer occurs, the generated financial transaction history is checked, the widget (Widget) provided in the customer terminal (555) As a process for providing to the customer through, if the person having ordinary knowledge in the technical field to which the present invention belongs, the financial transaction history of the customer, when the financial transaction of the customer occurs by referring to and / or modified in this figure 8 By confirming, it will be possible to infer various implementation methods for the process provided to the customer through the widget (Widget) provided in the customer terminal 555, the present invention is It includes all the implementation methods which are added, and is not limited only to the implementation method shown in this figure.

Referring to FIG. 8, the process of providing the financial transaction details according to the illustrated customer financial transaction through the widget function provided in the customer terminal 555 may include executing the financial transaction history information providing function widget in the customer terminal 555. It may be initiated from the process (800).

Although not shown in FIG. 8, if the widget of the financial transaction history information providing function is not provided in the customer terminal 555, the request for downloading the financial transaction history information providing function widget from the information providing server 500 is downloaded. The process may further include.

When the widget that performs the financial transaction information providing function is executed in the customer terminal 555, the widget requests input of customer authentication information (eg, ID, password, etc.) (805), and the customer requests the customer terminal ( When the customer authentication information is input through a predetermined key input means (for example, a keyboard, etc.) provided at 555 (810), a widget executed in the customer terminal 555 communicates with the information providing server 500. Connect 815 and transmit the input customer authentication information to the information providing server 500 through a communication channel (820).

Then, the information providing server 500 compares the customer authentication information transmitted from the widget through the communication channel with the customer authentication information previously stored in the storage medium 550 (825), if the authentication information is matched ( 830, in operation 835, the financial transaction history according to the use of the customer financial transaction means is confirmed (835) by interworking with the financial system connected through the predetermined interface means.

If the financial transaction history occurs according to the use of the financial transaction means (840), the information providing server 500 receives financial transaction history information based on the use of the customer financial transaction means from the financial system (845). In order to provide the received financial transaction information, the communication channel is connected to the widget of the client terminal 555 (850).

When the communication channel between the information providing server 500 and the widget of the customer terminal 555 is connected (855), the information providing server 500 sends the customer financial transaction details information to the widget of the customer terminal 555. Send 860.

Here, the process of transmitting the customer financial transaction details information from the information providing server 500 to the widget of the customer terminal 555 may be repeatedly performed until the widget executed in the customer terminal 555 is terminated. May be (865).

Hereinafter, an embodiment provides a financial transaction history information according to the use of the financial transaction means of the customer by using a widget function provided through a messenger, and provides a face-to-face for non-face-to-face banking using a messenger. By registering the non-face-to-face messenger banking information,

9 is a diagram illustrating a face-to-face messenger banking information registration system for non-face-to-face banking using a messenger according to an embodiment of the present invention.

In more detail, FIG. 9 provides banking messenger information, messenger account information, messenger linked account information, and financial transaction information for non-face-to-face banking using a messenger with a messenger banking information registration system through a predetermined information registration interface. When the messenger banking information including at least one service registration information and customer information is provided, the messenger banking information, the messenger account information, the messenger linked account information, and the finance information included in the messenger banking information provided by the messenger banking information registration system are provided. A system configuration for storing transaction information providing service registration information and customer information in a predetermined storage medium 930 and linking the same to those of ordinary skill in the art to which the present invention pertains. And / or modified to facilitate face-to-face banking using messenger. Would be able to infer a variety of exemplary methods for the messenger banking information registration system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 9.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer on the storage medium 930 through a predetermined information registration interface on the messenger banking information registration system shown in FIG. The corresponding component is referred to as " information registration server 900 " for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face banking using the messenger includes an information registration terminal including a window terminal 945 provided at at least one financial institution branch. It characterized in that it comprises a 940, the information registration terminal 940 is connected to the communication channel and the information registration server 900 provided on the messenger banking information registration system through a predetermined financial network.

According to an embodiment of the present invention, the customer visits the financial institution branch for non-face-to-face banking using a messenger, and the non-face-to-face using a messenger through a window provided at the financial institution branch (or through a teller). When a prescribed application for banking (for example, a document having a form for filling in at least one information item for non-face-to-face banking using a messenger) is completed and the completed application is submitted to the counter staff, the counter staff The information entered in the application is input (or selected) through a predetermined teller terminal 945, and the teller terminal 945 uses the inputted (or selected) information through the financial network to register the messenger banking information. It is preferable to transmit to the information registration server 900 provided on the.

Here, the teller terminal 945 preferably comprises an administrator terminal used by a teller employee provided at the branch of the financial institution, and the information registration server 900 connected to the teller terminal 945 is the predetermined finance. It is preferable to include a ledger server provided on the system, the financial network connecting the window terminal 945 and the information registration server 900 is the communication between the window terminal 945 and the information registration server 900 It is preferable to include a network for connecting the channels.

In the messenger banking information registration system as described above, an application created by the customer, a bank terminal 945 used by the teller staff, and a financial network connecting the teller terminal 945 and the information registration server 900 are The customer performs a function of an information registration interface for registering messenger banking information for non-face-to-face banking using a messenger according to an embodiment of the present invention.

The storage medium 930 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 940. And the banking messenger information and the messenger account information stored in the storage medium 930 by storing the information, the financial transaction information providing service registration information, and the customer information in a predetermined storage medium 930. Messenger banking information including at least one messenger linked account information, financial transaction information providing service registration information, and customer information is used for non-face-to-face banking 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 935 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 935 associated with a predetermined financial system is the MSN messenger server 935.

The messenger account information corresponds to a messenger server corresponding to the messenger server 935 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 935, 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information may include financial transaction means information to be provided through a widget function provided in the messenger.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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 one embodiment of the invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the messenger banking information registration system (or associated with the messenger banking information registration system). At this time, the storage medium 930 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium 930 is at least one non-face-to-face banking system (eg, Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 900 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 940 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 940 is a window terminal 945 connected to a predetermined financial network, the information registration server 900 is the window terminal 945 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 900 is provided with an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal 940 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 940 is a window terminal 945 connected to a predetermined financial network, the interface unit 905 is based on the protocol stack defined in the financial network. It connects a window terminal 945 to a predetermined communication channel and provides a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal 945. It is desirable to.

Referring to FIG. 9, the information registration server 900 interworks with the interface unit 905 when a predetermined information registration terminal 940 accesses the information registration server 900 through the interface unit 905. Interface providing unit 910 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 940 to the information registration terminal 940. ), An information receiver 915 for receiving predetermined messenger banking information transmitted from the information registration terminal 940 through the user interface and transmitted through the user interface and the reception unit 915. Validation unit 925 for checking the validity of the instant messenger banking information, and the banking messenger information and messenger account information and messenger for the banking information included in the verified messenger banking information And an information storage unit 920 for storing the linked account information and the customer information in a predetermined storage medium 930.

The interface providing unit 910 corresponds to a functional configuration provided in the information registration terminal 940 when a predetermined information registration terminal 940 is connected to the information registration server 900 through the interface unit 905. Generate (or select) the messenger banking information and transmit it to the information registration server 900 via the financial network, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 905 to the information registration terminal 940 through the financial network.

Thereafter, the information registration terminal 940 includes at least one messenger banking information including at least one messenger information for banking, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information based on the user interface. And input (or select) and transmit the input (or select) messenger banking information to the information registration server 900 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 940 is a window terminal 945 connected to a predetermined financial network, the interface providing unit 910 is a financial transaction provided in the window terminal 945. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and to provide the window terminal 945 with the generated (or extracted) user interface through the interface unit 905.

The information receiving unit 915 includes at least one of messenger information for banking, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information through the user interface in the information registration terminal 940. When the messenger banking information is input (or selected) and transmitted through the financial network, the messenger banking information is received in association with the interface unit 905, and the validity checking unit receives the messenger banking information. Provided at 925.

The validity confirming unit 925 is configured to check whether the messenger banking information received from the information registration terminal 940 satisfies the validity for non-face-to-face banking 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 a check whether the non-face-to-face banking service using a messenger according to the partnership.

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 banking service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 935 according to the present invention by the messenger server 935 according to the present invention with reference to the messenger server 935 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 935 associated with the messenger banking system to provide a non-face-to-face banking service using the messenger according to the present invention based on the system.

In addition, the validity of the messenger banking information, the messenger account through the messenger account information included in the messenger server 935 information corresponding to the banking messenger information included in the messenger banking information and 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 935.

For example, the validity checker 925 provides the messenger account information included in the messenger banking information to the messenger server 935 corresponding to the banking messenger information 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 935.

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

In addition, the validity check of the messenger banking information, customer personal information (for example, 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 banking service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide, it is preferable to include whether the customer corresponding to the customer information is a valid customer that can provide a face-to-face banking service using the messenger Do.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the 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 face-to-face banking service using the messenger, the non-face-to-face financial transaction Preferably, the authentication information includes checking whether the authentication information is valid non-face-to-face financial transaction authentication information capable of providing a non-face-to-face banking service 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 includes confidentiality, authentication, integrity, and nonrepudiation for providing a face-to-face banking service using the messenger. It is preferable to include making sure that the function is satisfied.

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

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

When the validity of the messenger banking information is confirmed, the information storage unit 920 may include banking messenger information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. The storage medium 930 is stored in the storage medium 930, and the storage medium 930 is provided in the information registration server 900 or is provided on the network associated with the information registration server 900. If so, the information storage unit 920 processes the banking messenger information, the messenger account information, the messenger linked account information, the financial transaction information providing service registration information, and the customer information included in the received messenger banking information in association with the storage. It is preferable to store the information in the medium 930. When the storage medium 930 is provided in a DBMS provided on a financial system, the information is provided. The book 920 provides banking messenger information, messenger account information, messenger account information, financial transaction information providing service registration information and customer information included in the received messenger banking information to the information system through the external system on the financial system. It is preferable to store in a DBMS provided on the financial system.

FIG. 10 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 non-face-to-face banking using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 930 illustrated in FIG. 9 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. An information structure for an implementation method of storing messenger banking information including messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information is shown, and is commonly known in the art. If the person having the present invention can refer to and / or modify this figure 10, the various information construction methods for storing the messenger banking information in the ledger D / B can be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method illustrated in FIG. 10.

Referring to FIG. 10 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 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 / In addition to the customer ledger and account ledger shown in FIG. 10, B further includes at least one ledger (e.g., loan ledger, 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. 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. 10, the messenger banking information provided through the messenger banking information registration system shown in FIG. 9 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, financial transaction information providing service registration information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 935 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger. In order to verify that the messenger server 935 associated with a predetermined financial system is an MSN messenger server 935, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 935 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 935, 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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. 10 according to an 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. (935) 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 information included in other ledgers (eg, customer ledgers) other than the account ledger, and the present invention is not limited thereto.

FIG. 11 illustrates the configuration of messenger banking information stored in a database associated with the ledger D / B 1100 provided in a DBMS on a financial system in a face-to-face manner for non-face-to-face banking using a messenger according to another embodiment of the present invention. Drawing.

In more detail, FIG. 11 shows an information structure of an embodiment in which the storage medium 930 shown in FIG. 9 is stored in a predetermined database processed in association with the ledger D / B 1100 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 11 to associate the messenger banking information with the ledger D / B 1100 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, and is not limited to the implementation method shown in FIG.

Particularly, in FIG. 11, when it is not easy to store the messenger banking information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B (1100) is not easy to change, or because of the nature of the financial system is not easy to expand the system), instead of the ledger D / B (1100) to store the messenger banking information in a predetermined database, The implementation method of linking and storing the database and the ledger D / B 1100 is illustrated.

In addition, the database shown in FIG. 11 need not be provided on a DBMS provided on a financial system as in the embodiment method shown in FIG. 11, and the database on the messenger banking system according to the intention of a person skilled in the art, and / or 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. 11, the database stores and stores banking messenger information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. The messenger banking information may further include a CIF number corresponding to the ledger information in the messenger banking information to be processed in association with the ledger D / B 1100.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 935 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 935 associated with a predetermined financial system is the MSN messenger server 935.

The messenger account information corresponds to a messenger server corresponding to the messenger server 935 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 935, 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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 banking 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 embodiment of the present invention, 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 customer information is a non-face-to-face banking 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. 11 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 1100 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 935 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 1100, the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B 1100.

12 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 non-face-to-face banking using a messenger according to another embodiment of the present invention.

More specifically, Figure 12 shows that the storage medium 930 shown in Figure 9 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 provided on the present invention. Those skilled in the art to which the present invention pertains may refer to and / or modify at least one of the present drawings. The method of constructing information on messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred. However, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 12, a predetermined DBMS provided in the banking server links banking messenger information, messenger account information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. It is characterized by processing and storing.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 935 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 935 associated with a predetermined financial system is the MSN messenger server 935.

The messenger account information corresponds to a messenger server corresponding to the messenger server 935 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 935, 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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.

FIG. 13 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. 13, the information registration server 900 on the messenger banking information registration system shown in FIG. 9 functions as a ledger server (not shown) on a financial system linked to a counter terminal 945 through a predetermined financial network. In this case, the window terminal 945 is connected to the information registration server 900 to connect a communication channel for registering the messenger banking information according to the present invention, and then through the communication channel to the information registration server When the messenger banking information including the messenger information for the banking, the messenger account information, the messenger linked account information, and the customer information is transmitted to the 900, the banking included in the received messenger banking information is received by the information registration server 900. The present invention relates to an implementation method of linking and processing messenger information, messenger account information, messenger linked account information, and customer information in a predetermined storage medium 930. For those skilled in the art, various examples of registering the messenger banking information from the window terminal 945 to the information registration server 900 by referring to and / or modifying the drawing 13 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. 13, the window terminal 945 shown in FIG. 9 is referred to as a "terminal" for convenience, and the information registration server 900 shown in FIG. 9 is called a "server" for convenience, and the window terminal ( The banking messenger information, the messenger account information, the messenger linked account information, the financial transaction information providing service registration information, and the customer information transmitted to the information registration server 900 are referred to as "messenger banking information" for convenience.

Referring to FIG. 13, a window terminal 945 shown in FIG. 9 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 banking (1300), the server generates (or extracts) a predetermined information registration interface for registering the messenger banking information (1305), and generates the data through the communication channel. The information registration interface (or extracted) is transmitted to the terminal and output (1310).

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

Thereafter, the terminal inputs (or selects) messenger banking information including at least one banking messenger information, messenger account information, messenger linkage account information, financial transaction information providing service registration information, and customer information through the information registration interface. (1315).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 935 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for the banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger. In order to verify that the messenger server 935 associated with a predetermined financial system is an MSN messenger server 935, the at least one information is included.

The messenger account information corresponds to a messenger server corresponding to the messenger server 935 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 935, 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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, the financial transaction information providing service registration information, and the customer information through the information registration interface (1320) In operation 1325, the terminal transmits the messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the financial network to the server.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, the financial transaction information providing service registration information, and the customer information through the financial network to check the validity of the messenger banking information. (1330).

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 1100 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 a check whether the non-face-to-face banking service using a messenger according to the partnership.

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 banking service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 935 according to the present invention by the messenger server 935 according to the present invention with reference to the messenger server 935 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 935 associated with the messenger banking system to provide a non-face-to-face banking service using the messenger according to the present invention based on the system.

In addition, the validity of the messenger banking information, the messenger account through the messenger account information included in the messenger server 935 information corresponding to the banking messenger information included in the messenger banking information and 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 935.

For example, the validity checker 925 provides the messenger account information included in the messenger banking information to the messenger server 935 corresponding to the banking messenger information 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 935.

In addition, the validation of the messenger banking information, the account provided in the ledger D / B (1100) on the financial system that provides the non-face-to-face banking services using the messenger linked account information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable to include whether the messenger linked account information is valid messenger linked account information that can provide a non-face-to-face banking service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (for example, 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 banking service using the messenger Comparing the customer ledger provided in the ledger D / B (1100) on the financial system to provide, to determine whether the customer corresponding to the customer information is a valid customer that can provide a face-to-face banking service using the messenger It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information contained in the non-face-to-face financial transaction authentication information provided in the ledger D / B 1100 on the financial system that provides a non-face-to-face banking service using the messenger, Preferably, the face-to-face financial transaction authentication information includes verifying whether the face-to-face banking service using the messenger is valid non-face-to-face financial transaction authentication information.

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

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 includes confidentiality, authentication, integrity, and nonrepudiation for providing a face-to-face banking service using the messenger. It is preferable to include making sure that the function is satisfied.

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

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

If the validity of the messenger banking information is not authenticated (1335), the server generates predetermined information registration error information and transmits it to the terminal (1340), 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 (1335), the server performs an information registration procedure corresponding to the messenger banking information, thereby the messenger information for banking, messenger account information, messenger linked account information, and financial transaction information. The provided service registration information and the customer information are cooperatively processed and stored in the predetermined storage medium 1105 (1345).

According to one embodiment of the invention, the storage medium 1105 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 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 1100, thereby the invention This is not limited.

According to another embodiment of the present invention, the storage medium 1105 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 predetermined information registration history information and transmits it to the terminal (1350), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

14 illustrates a non-face-to-face messenger banking information registration system for non-face-to-face banking using a messenger according to another embodiment of the present invention.

More specifically, Figure 14 is a messenger banking information registration system for a given customer through a predetermined information registration interface for banking messenger information, messenger account information and messenger linked account information for non-face-to-face banking using the messenger according to the present invention; When the messenger banking information including at least one financial transaction information providing service registration information and customer information is provided, the messenger banking information and the messenger account information included in the messenger banking information provided by the messenger banking information registration system may be associated with a messenger account. This is a system configuration for linking account information and customer information and storing them in a predetermined storage medium 1430. Those skilled in the art to which the present invention pertains may refer to and / or modify the present invention. Messenger banking information for non-face-to-face banking using messenger It will be able to infer a variety of exemplary methods for the system which the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, at least one means and / or functional configuration for storing messenger banking information provided from the customer on the storage medium 1430 through a predetermined information registration interface on the messenger banking information registration system shown in FIG. The corresponding component is referred to as "information registration server 1400" for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, a messenger banking information registration system for non-face-to-face banking using a messenger according to the present invention includes a client including at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 1440 including at least one terminal, etc., wherein the information registration terminal 1440 is provided on the messenger banking information registration system through a predetermined network means. 1400 and a communication channel are connected.

According to an embodiment of the present invention, the customer accesses the information registration server 1400 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 banking using the messenger according to the present invention is input (or selected) through at least one user interface provided by the information registration server 1400, the client terminal selects a predetermined network means. It is preferable to transmit to the information registration server 1400 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 a kiosk (KIOSK) connected to the TCP / IP based communication network, etc. It is preferable.

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

In addition, the information registration server 1400 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 1400 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the client terminal The Mobitex-based wireless data communication network may be any one, and / or may include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the information registration server 1400, and inputs and / or selects at least one information through the user interface to the information registration server 1400. 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 1400) for transmission 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 1400. 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 banking using the messenger according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 1440 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) including a cash dispenser (CD) and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the messenger banking information registration system as described above, when the information registration terminal 1440 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the information are provided. The financial network connecting the registration server 1400 performs a function of an information registration interface for registering the messenger banking information for non-face-to-face banking using the messenger according to the present invention, and / or the information registration terminal ( If 1440 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1400 may be used by the customer. Performs a function of an information registration interface for registering messenger banking information for non-face-to-face banking using a messenger according to the present invention, and / or the information registration terminal 1 440 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown). The network connecting the information registration server 1400 and the information registration server 1400 performs a function of an information registration interface for registering the messenger banking information for non-face-to-face banking using the messenger according to the present invention.

The storage medium 1430 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 1440. And the banking messenger information and the messenger account information and the messenger stored in the storage medium 1430 by storing the information and the financial transaction information providing service registration information and the customer information in association with each other. Messenger banking information including at least one linked account information, financial transaction information providing service registration information, and customer information is used for non-face-to-face banking 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 1435 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is an MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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 1430 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 1430 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, the present invention is not limited thereto.

According to another embodiment of the present invention, the storage medium 1430 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 1400 provided on the messenger banking information registration system according to the present invention is a generic term for components of the messenger banking information registration system side connected to the information registration terminal 1440 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), whereby the present invention is not limited thereto. No.

According to an embodiment of the present invention, when the information registration terminal 1440 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 1400. 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 embodiment of the present invention, when the information registration terminal 1440 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 1400 is the wireless banking. Any server (or device) provided with a wireless banking server provided on the system, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system through the wireless banking system. A server (or device) external to 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, and / or a program provided to the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1440 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1400 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided on the telebanking server, and / or the banking system of the financial system through the telebanking system. The financial system accessible to an alien server through a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external world of the above, and / or a program provided in the external world of the financial system, whereby the present invention is not limited. The.

According to another embodiment of the present invention, when the information registration terminal 1440 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 1400 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 1400 is characterized by comprising an interface unit 1405 for connecting and managing a predetermined communication channel with the information registration terminal 1440 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1440 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or wireless network, the interface unit 1405 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired network and / or wireless network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 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 1400, the interface unit 1405 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 1440 is a financial automatic device connected to a predetermined financial network, the interface unit 1405 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1405 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 1405 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, IC chip-based banking program) provided by the information registration server 1400, the interface unit 1405 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 1440 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1405 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 1405 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 embodiment of the present invention, when the information registration terminal 1440 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 1405 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. 14, the information registration server 1400 interworks with the interface unit 1405 when a predetermined information registration terminal 1440 accesses the information registration server 1400 through the interface unit 1405. Interface providing unit 1410 which generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 1440 to the information registration terminal 1440. And the information receiving unit 1415 receiving predetermined messenger banking information transmitted from the information registration terminal 1440 through the user interface in connection with the interface unit 1405, and receiving the received messenger banking information. Linking the banking messenger information, the messenger account information, the messenger linked account information, the financial transaction information providing service registration information and the customer information included in the messenger banking information And it characterized in that formed in an information storage unit 1420 which stores a predetermined storage medium (1430).

The interface providing unit 1410 corresponds to a functional configuration provided in the information registration terminal 1440 when a predetermined information registration terminal 1440 is connected to the information registration server 1400 through the interface unit 1405. Generate (or select) the messenger banking information and transmit it to the information registration server 1400 via the network means, and / or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 1405 is provided to the information registration terminal 1440 through the network means.

Thereafter, the information registration terminal 1440 includes at least one messenger banking information including at least one messenger information for banking, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information based on the user interface. And input (or select) and transmit the input (or select) messenger banking information to the information registration server 1400 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1440 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 1410. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1405. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1440 is a financial automation device connected to a predetermined financial network, the interface providing unit 1410 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 automated teller machine through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the information registration terminal 1440 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1410 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 1405.

According to another exemplary embodiment of the present invention, when the information registration terminal 1440 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1410 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 1405 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1440 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405. .

The information receiving unit 1415 includes at least one of messenger information for banking, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information through the user interface at the information registration terminal 1440. When the messenger banking information is input (or selected) and transmitted through the network means, the messenger banking information is received in association with the interface unit 1405, and the validity checking unit receives the messenger banking information. Provided at (1425).

The validity confirming unit 1425 checks whether the messenger banking information received from the information registration terminal 1440 satisfies the validity for non-face-to-face banking 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 a check whether the non-face-to-face banking service using a messenger according to the partnership.

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 banking service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 1435 according to the present invention is referred to by the messenger server 1435 with reference to the messenger server 1435 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 1435 associated with the messenger banking system to provide a non-face-to-face banking 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 1435 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 1435.

For example, the validity checker 1425 provides the messenger account information included in the messenger banking information to the messenger server 1435 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 1435.

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

In addition, the validity check of the messenger banking information, customer personal information (for example, 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 banking service using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system to provide, to determine whether the customer corresponding to the customer information is a valid customer that can provide a face-to-face banking service using the messenger desirable.

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 face-to-face banking service using the messenger, the non-face-to-face financial transaction Preferably, the authentication information includes checking whether the authentication information is valid non-face-to-face financial transaction authentication information capable of providing a non-face-to-face banking service 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. The non-face-to-face financial transaction authentication information for messenger banking corresponding to the customer information included in the information is used to provide confidentiality, authentication, integrity, and nonrepudiation for providing the face-to-face banking service 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 1420 may include banking messenger information, messenger account information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. The storage medium 1430 may be stored in the storage medium 1430, and the storage medium 1430 may be provided in the information registration server 1400 or on a network associated with the information registration server 1400. If so, the information storage unit 1420 processes the banking messenger information, the messenger account information, the messenger linked account information, the financial transaction information providing service registration information, and the customer information included in the received messenger banking information in association with the storage. It is preferable to store in the medium 1430, and when the storage medium 1430 is provided in a DBMS provided on a financial system, The information storage unit 1420 may use the banking messenger information, the messenger account information, the messenger account information, the financial transaction information providing service registration information, and the customer information included in the received messenger banking information through an external system on the financial system. It is desirable to provide the system and store it in a DBMS provided on the financial system.

15 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 banking using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 15, when the storage medium 1430 illustrated in FIG. 14 is a ledger D / B provided in a DBMS on a financial system, the messenger information for banking is included in the ledger information provided in the ledger D / B. An information structure for an implementation method of storing messenger banking information including messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information is shown, and is commonly known in the art. If the person having the present invention can refer to and / or modify this figure 15, the various information construction methods for storing the messenger banking information in the ledger D / B can be inferred, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Referring to FIG. 15 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 / In addition to the customer ledger and the account ledger shown in FIG. 15, 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. Including at least one 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 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, point number, product type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of payment, bank account line, summary, 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. 15, the messenger banking information provided through the messenger banking information registration system shown in FIG. 14 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, financial transaction information providing service registration information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1435 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking 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 banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is the MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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 provides a non-face-to-face banking service using the messenger. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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. 15 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. (1435) 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.

FIG. 16 illustrates a configuration of messenger banking information stored in a database associated with the ledger D / B 1600 provided in a DBMS on a financial system in a face-to-face manner for non-face-to-face banking using a messenger according to another embodiment of the present invention. One drawing.

More specifically, FIG. 16 shows an information structure of an exemplary embodiment in which the storage medium 1430 illustrated in FIG. 14 is stored in a predetermined database linked to the ledger D / B 1600 provided in a DBMS on a financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 16 to associate the messenger banking information with the ledger D / B 1600 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, and is not limited to the implementation method shown in FIG.

In particular, FIG. 16 illustrates that when it is not easy to store the messenger banking information in the ledger information of the ledger D / B 1600 on the DBMS provided on the financial system (for example, the ledger D of the DBMS due to the policy of the financial institution). If it is not easy to change / B 1600, 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 1600, The implementation method of storing a database and the ledger D / B 1600 in association is shown.

In addition, the database shown in FIG. 16 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 16, and the database on the messenger banking system according to the intention of the person skilled in the art, and / or 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. 16, the database may store and store banking messenger information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. The messenger banking information may further include a CIF number corresponding to the ledger information in the messenger banking information in order to be processed in association with the ledger D / B 1600.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1435 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is the MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face banking service using the 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 provides a non-face-to-face banking service using the messenger. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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. 16 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database cooperatively processed with the ledger D / B 1600 provided in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 1435 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 1600, the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B 1600.

17 is a diagram illustrating the 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 banking using a messenger according to another embodiment of the present invention.

In more detail, FIG. 17 shows that the storage medium 1430 shown in FIG. 14 is a messenger banking system, and / or an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server, and a person having ordinary skill in the art to which the present invention pertains refers to at least one of the drawings 17 and / or modified. The method of constructing information on the messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred, but the present invention includes all the inferred implementation methods, and only the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 17, a predetermined DBMS provided in the banking server links banking messenger information, messenger account information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information included in the messenger banking information. It is characterized by processing and storing.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1435 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is the MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

The customer information includes customer personal information corresponding to the customer registering the messenger banking information for a non-face-to-face banking service using a messenger according to the present invention (for example, customer name, social security number, address, contact information, etc.). 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 provides a non-face-to-face banking service using the messenger. It is preferable to include non-face-to-face financial transaction authentication information for.

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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.

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

More specifically, FIG. 18 shows the client terminal when the information registration server 1400 on the messenger banking information registration system shown in FIG. 14 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 1400 and connecting a communication channel for registering messenger banking information according to the present invention, the messenger information for banking and the messenger account information to the information registration server 1400 through the communication channel. And the messenger banking information including the messenger linked account information, the financial transaction information providing service registration information, and the customer information, the banking messenger information included in the received messenger banking information from the information registration server 1400; Messenger account information, messenger linked account information, financial transaction information provision service registration information and customer information The present invention relates to an embodiment of the present invention, in which a user of ordinary skill in the art to which the present invention pertains is referred to, and / or modified with reference to FIG. Although various implementation methods for registering the messenger banking information with the information registration server 1400 may be inferred, the present invention includes all the implementation methods inferred and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the client terminal shown in FIG. 14 is referred to as "terminal" for convenience, and the information registration server 1400 shown in FIG. 14 is called "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, the financial transaction information providing service registration information, and the customer information transmitted to the server 1400 are referred to as "messenger banking information" for convenience.

Referring to FIG. 18, when the client terminal illustrated in FIG. 14 is a predetermined network means (eg, the client terminal is a wired terminal 1450), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1445. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based mobile Internet, etc., to connect a predetermined communication channel for registering the messenger banking information, and to perform non-face-to-face banking using the messenger. When requesting to register the messenger banking information for (1800), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the messenger banking information (1805), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (1810).

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

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 linkage account information, financial transaction information providing service registration information, and customer information through the information registration interface. (1815).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1435 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is the MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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 (1820), the terminal may communicate with the communication channel. In operation 1825, the inputted (or selected) banking messenger information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information are transmitted to the server.

According to an embodiment of the present invention, the banking messenger information, the messenger account information, the messenger account information, the financial transaction information providing service registration information, and the customer information input (or selected) are transmitted to the server through the communication channel. The method may further include electronically signing and / or encrypting the messenger banking information input (or selected) through the information registration interface to the server 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 confirm the validity of the messenger banking information (1830).

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 a ledger D / B 1600 on a 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 a check whether the non-face-to-face banking service using a messenger according to the partnership.

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 banking service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 1435 according to the present invention is referred to by the messenger server 1435 with reference to the messenger server 1435 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 1435 associated with the messenger banking system to provide a non-face-to-face banking service using the messenger according to the present invention based on the system.

In addition, the validity check of the messenger banking information, the messenger account through the messenger server 1435 information corresponding to the banking messenger information contained 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 1435.

For example, the validity checker 1425 provides the messenger account information included in the messenger banking information to the messenger server 1435 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 1435.

In addition, the verification of the validity of the messenger banking information, the account provided in the ledger D / B 1600 on the financial system that provides the non-face-to-face banking service using the messenger linked account information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable to include whether the messenger linked account information is valid messenger linked account information that can provide a non-face-to-face banking 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 banking service using the messenger Comparing the customer ledger provided in the ledger D / B 1600 on the financial system provided by the customer, to determine whether the customer corresponding to the customer information is a valid customer that can provide a face-to-face banking service using the messenger It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B 1600 on the financial system that provides a non-face-to-face banking service using the messenger, Preferably, the face-to-face financial transaction authentication information includes verifying whether the face-to-face banking service 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 includes confidentiality, authentication, integrity, and nonrepudiation for providing a face-to-face banking service using the messenger. It is preferable to include making sure that the function is satisfied.

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

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

If the validity of the messenger banking information is not authenticated (1835), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1840), 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 (1835), 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 financial transaction information. The provided service registration information and the customer information are cooperatively processed and stored in the predetermined storage medium 1605 (1845).

According to one embodiment of the invention, the storage medium 1605 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 1605 may be a ledger D / B 1600 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1600, thereby providing the present invention. This is not limited.

According to another method of the present invention, the storage medium 1605 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 a web page including predetermined information registration history information and transmits the generated web page to the terminal (1850), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

19A and 19B illustrate a process of registering messenger banking information in a non-face-to-face manner for non-face-to-face banking using a messenger according to another exemplary embodiment of the present invention.

In more detail, FIGS. 19A and 19B illustrate a case in which a messenger banking information registration system shown in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server through the Internet (eg, the Internet) and performing a predetermined customer authentication procedure, the client terminal transmits predetermined messenger banking information for non-face-to-face banking using the messenger to the Internet banking server. When the messenger banking information including the messenger information, the messenger account information, the messenger linked account information, the financial transaction information provision service registration information, and the customer information is transmitted, the information registration server 1400 is included in the received messenger banking information. Banking messenger information, messenger account information and messenger linked account information And an embodiment of the present invention in which a financial transaction information providing service registration information and customer information are interworked and stored in a predetermined storage medium 1605. 19b may be inferred from various implementation methods for registering the messenger banking information from the client terminal to the information registration server 1400, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIGS. 19A and 19B.

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. 19A and 19B. 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. 19a and 19b. Banking Although an implementation method of linking an internet banking-based financial transaction channel for information registration may be inferred, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, thereby limiting the present invention. Not.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking-based financial transaction channel connection method shown in Figures 19a and 19b, 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, the technical construction of the present invention being described with reference to FIGS. It is by no means limited to the case of Internet banking shown in 19b.

In the following figures 19a and 19b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1400 is referred to as " server "

19A and 19B, when the terminal executes a browser program and accesses the server through the TCP / IP-based network (1900a), the server communicates between the terminal and the server through the browser. (1905a), wherein the communication channel refers to a web page generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client terminal. This means that a predetermined communication session is allocated so that the provided browser program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1910a).

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 certain security module is to be installed and / or updated in the terminal (1915a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1920a).

If the terminal does not need to install and / or update the latest version of the Internet banking security module (1925a), or if the terminal does not need to install and / or update the Internet banking security module (1915a), the server may By activating the security module for internet banking mounted on the terminal, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (1930a), where the security for internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide an encryption by using an encryption algorithm, the terminal may verify the electronic signature and / or the encryption scheme (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the messenger banking information in the terminal. Or a predetermined electronic signature to the data) and / or encrypted and transmitted using at least one encryption method (and / or encryption algorithm), the server verifies the electronic signature and / or the encryption method (and A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1935a).

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 (1940a), 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. (1945a).

If the Internet banking customer authentication fails (1950a), the server blocks the Internet banking security channel for the terminal (1955a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1950a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1960a), where the Internet banking-based The financial transaction channel refers to a communication channel for transmitting and registering predetermined messenger banking information for non-face-to-face banking using a messenger from the terminal to the server.

Subsequently, when the terminal requests the Internet banking-based messenger banking information registration to the server through the inter-banking-based financial transaction channel to register the messenger banking information (1900b), the server may request a predetermined number for registering the messenger banking information. A web page corresponding to the information registration interface is generated (or extracted) (1905b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1910b).

According to an embodiment of the present invention, the information registration interface may include messenger banking information including at least one of banking messenger information, messenger account information, messenger linked account information, financial transaction information providing service registration information, and customer information in the terminal. Preferably includes an interface to input (or select) and / or a predetermined password (e.g., to verify the validity of the Internet banking customer requesting registration of the messenger banking information and / or the messenger banking information). Account password, etc.) and / or security code (e.g., the security code printed on the security card issued to the customer during the internet banking application process) and / or one time password (OTP) (e.g., the internet banking application process (or internet banking application) After the OTP authenticator (or OTP certification program) provided to the customer by the financial institution. It is preferable to further include an interface for inputting a one-time password generated through).

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, the financial transaction information providing service registration information, and the customer information through the information registration interface. (1915b).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1435 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face banking service using a messenger according to the present invention. Characterized in that made.

For example, the instant messenger information for banking is an instant messenger (or P2P program) used by the customer for a non-face-to-face banking service using the messenger, and is an MSN messenger of Microsoft Corporation, and provides a non-face-to-face banking service using the messenger. It includes at least one information that can be confirmed that the messenger server 1435 associated with a predetermined financial system is the MSN messenger server 1435.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1435 information included in the banking messenger information by the customer in order to receive at least one messenger service through a messenger program corresponding to the messenger information for banking; And a messenger ID information registered at 1435). 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 banking service using a messenger according to the present invention. The messenger linked account information is a non-face-to-face banking service using the messenger. Characterized in that it comprises an account number to provide, the messenger linked account information according to an embodiment of the present invention further includes the account number and account password and the bank code and / or branch code opened the account, etc. The present invention is not limited thereto.

The financial transaction information providing service registration information is characterized in that the financial transaction information to be provided through the widget function provided in the customer terminal and the customer financial transaction history, characterized in that it comprises a customer specific information.

Here, the financial transaction means information, characterized in that comprises the customer card (eg credit, debit, check card, etc.) information (eg card number, etc.), customer financial account information (eg, financial account number, etc.) do.

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

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information 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 (1920b), the terminal performs the financial transaction. The input (or selected) messenger banking information is transmitted to the server through a channel (1925b).

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 confirm the validity of the messenger banking information (1930b).

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 a ledger D / B 1600 on a 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 a check whether the non-face-to-face banking service using a messenger according to the partnership.

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 banking service using a messenger according to.

In addition, to check the validity of the messenger banking information, the messenger bank 1435 according to the present invention is referred to by the messenger server 1435 with reference to the messenger server 1435 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include whether or not the messenger server 1435 associated with the messenger banking system to provide a non-face-to-face banking 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 1435 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 1435.

For example, the validity checker 1425 provides the messenger account information included in the messenger banking information to the messenger server 1435 corresponding to the messenger information for banking included in the messenger banking information, Preferably, the request comprises a request for validation and the result of the verification, wherein the messenger account is a valid messenger account provided with at least one messenger service from the messenger server 1435.

In addition, the verification of the validity of the messenger banking information, the account provided in the ledger D / B 1600 on the financial system that provides the non-face-to-face banking service using the messenger linked account information and the messenger linked account information included in the messenger banking information Comparing with the ledger, it is preferable to include whether the messenger linked account information is valid messenger linked account information that can provide a non-face-to-face banking service using the messenger.

In addition, the validity check of the messenger banking information, customer personal information (for example, 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 banking service using the messenger Comparing the customer ledger provided in the ledger D / B 1600 on the financial system provided by the customer, to determine whether the customer corresponding to the customer information is a valid customer that can provide a face-to-face banking service using the messenger It is preferable to make.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B 1600 on the financial system that provides a non-face-to-face banking service using the messenger, Preferably, the face-to-face financial transaction authentication information includes verifying whether the face-to-face banking service 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 includes confidentiality, authentication, integrity, and nonrepudiation for providing a face-to-face banking service using the messenger. It is preferable to include making sure that the function is satisfied.

Herein, 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. Do.

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 (1935b), the server generates a web page including predetermined messenger banking information registration error information and transmits it to the terminal (1940b) and corresponds to the messenger banking information. Do not perform the information registration procedure.

On the other hand, when the validity of the messenger banking information is authenticated (1935b), 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, the financial transaction information providing service registration information, and the customer information are processed in association with each other and stored in the predetermined storage medium 1605 (1945b).

According to one embodiment of the invention, the storage medium 1605 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 1605 may be a ledger D / B 1600 provided in a DBMS on the financial system, and / or a predetermined database linked to the ledger D / B 1600, thereby providing the present invention. This is not limited.

According to another method of the present invention, the storage medium 1605 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 a web page including predetermined messenger banking information registration history information and transmits it to the terminal (1950b), thereby completing the registration of messenger banking information transmitted from the terminal.

20 is a block diagram of a messenger banking system for non-faceted messenger banking according to an embodiment of the present invention.

More specifically, FIG. 20 illustrates a non-face-to-face messenger banking process for a customer who registers the messenger banking information in a predetermined storage medium 2097 through the messenger banking information registration system shown in FIGS. 9 and / or 14. As a messenger banking system for providing a messenger banking service, a storage medium 2097 for storing the messenger banking information is provided in a DBMS on the messenger banking system as shown in FIGS. 12 and / or 17. The customer using the messenger banking transaction includes a predetermined financial transaction history (for example, at least one of real time transaction history according to the use of the financial transaction means, payment history of the customer, and at least one shortage of the customer's financial account balance). The present invention relates to an implementation method provided through a messenger.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 20 to infer various implementation methods for the configuration of the messenger banking system for the non-face-to-face messenger banking. The present invention includes all the implementation methods inferred above, the technical features are not limited only to the implementation method shown in FIG.

For example, if a person of ordinary skill in the art of the present invention belongs, a storage medium 2097 for storing the messenger banking information by referring to and / or modifying the drawing 20 may be a non-face-to-face messenger banking service. When stored in the ledger D / B on the financial system that provides a, and / or stored in a predetermined database associated with the ledger D / B, a variety of messenger banking services for the non-face-to-face messenger banking It will be possible to infer the configuration of the messenger banking system, the present invention is characterized in that it comprises all the implementation method inferred.

Referring to FIG. 20 according to an embodiment of the present invention, the messenger banking system for non-face-to-face messenger banking includes a messenger terminal 2000 having a messenger program 2005 used by at least one messenger customer, and In connection with a messenger program 2005 provided in the messenger terminal 2000, at least one messenger service (eg, included in (or associated with) the messenger) widget (or a separate window (eg, pop-up), etc.) is provided to the messenger customer. And a predetermined storage medium through a messenger server 2015 that provides a financial transaction history information providing service according to a customer financial transaction means, and a messenger banking information registration system shown in FIGS. 9 and / or 14. A non-face-to-face messenger banking service is provided to at least one messenger customer using the messenger banking information registered at 2097. And a messenger banking server 2070 which transmits the financial transaction means use history and the financial transaction means-owned messenger customer information to the messenger server, and the messenger banking server 2070. And a financial system for processing at least one messenger banking-based non-face-to-face financial transaction being processed.

The messenger terminal 2000 accesses the messenger server 2015 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) -based wired communication network, thereby providing at least one messenger service (eg, text chat, voice). And at least one desktop computer and / or laptop computer having a messenger program (2005) that provides chat, video chat, message exchange, file exchange, mailing, friend search, financial transaction history, etc.). It features.

Alternatively, the messenger terminal 2000 may be connected to the messenger server 2015 through a network means including a code division multiple access (CDMA) based wireless communication network to at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or Global System for Mobile (GSM) with messenger program (2005) that provides chat, message exchange, file exchange, mailing, friend search, financial transaction history, etc.) 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 Characterized in that it comprises at least one or more.

In addition, the messenger terminal 2000 is connected to the messenger server 2015 through a network means including an IEEE 802.16x based wireless communication network to exchange at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one portable Internet terminal having a messenger program 2005 for providing file exchange, mailing, friend search, financial transaction history, etc.).

In addition, the messenger terminal 2000 is connected to the messenger server 2015 through a network means including an IEEE 802.11x-based wireless communication network and at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one wireless LAN terminal having a messenger program 2005 for providing file exchange, mailing, friend search, financial transaction history, etc.).

In addition, the messenger terminal 2000 is connected to the messenger server 2015 through a network means including a DataTAC scheme based on Motorola, or a Mobitex scheme based on Erricson, and at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 2005 for providing chatting, video chatting, message exchange, file exchange, mailing, friend search, financial transaction history, etc.).

According to the present invention, the messenger terminal 2000 includes a predetermined messenger banking module 2010 interworking with the messenger program 2005 for non-faceted messenger banking for the non-faceted messenger banking. The messenger banking module 2010 provides a non-face-to-face messenger banking service for the non-face-to-face messenger banking in connection with the messenger program 2005 provided in the messenger terminal 2000. It is characterized by.

According to the method of the present invention, the messenger banking module 2010 encrypts the financial transaction request information transmitted from the messenger terminal 2000 to the messenger banking server 2070 for the non-face-to-face messenger banking, And / or an encryption processing function for decrypting the financial transaction response information received from the messenger banking server 2070.

In addition, the messenger banking module 2010 attaches an electronic signature to the financial transaction request information transmitted from the messenger terminal 2000 to the messenger banking server 2070 for the non-face-to-face messenger banking, and / or It is preferable that the electronic signature function to confirm the electronic signature attached to the financial transaction response information received from the messenger banking server 2070.

In addition, the messenger banking module 2010 generates at least one OTP code included in the financial transaction request information transmitted from the messenger terminal 2000 to the messenger banking server 2070 for the non-face-to-face messenger banking. It is preferable to include the function to make.

In addition, the messenger banking module 2010 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 ( Memory included in 2000) or a memory provided in an integrated circuit (IC) chip that is read through a predetermined card reader provided in the messenger terminal 2000).

The messenger server 2015 may use at least one messenger service (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, financial transaction history, etc.) through the messenger terminal 2000. The messenger account received from a predetermined member information D / B for member authentication for providing a message, and a messenger terminal 2000 that executes (or drives) the messenger program 2005 in association with the member information D / B. And a messenger member authentication unit 2055 for authenticating the messenger customer based on the information.

According to an embodiment of the present invention, the messenger server 2015 is interworked with a predetermined banking server (in this figure, messenger banking server) provided in a financial system or interworking with a financial system, and registered with a messenger member. When a predetermined usage history occurs from the financial transaction means, the financial transaction means usage history and the financial transaction means holding messenger member information are received from the messenger banking server, and if the received messenger member logs in, the member messenger terminal is sent to the member messenger terminal. Characterized by providing a history of the generated financial transaction.

Here, the financial transaction history information provided to the member messenger terminal may be provided through a predetermined widget interworking with the messenger program or through a pop-up function of the messenger program.

The financial transaction history information may further include the customer payment details (for example, details of payments for credit card and details of direct payment), and a lack of balance of the customer financial account.

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 2015, 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. 9 and / or 12. It is preferably made further comprises a messenger banking subscription information.

According to the exemplary embodiment of the present invention, when messenger account information including messenger ID information and messenger password is received from the messenger terminal 2000 that executes (or drives) the messenger program 2005, the messenger member authentication unit 2055. ) Compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information can receive at least one messenger service (eg, text chat, voice chat, video chat, It is desirable to verify that you are a valid messenger customer who can be provided with message exchange, file exchange, mailing, friend search, etc.).

According to an embodiment of the present invention, a messenger member authentication process of the messenger member authentication unit 2055 comparing the messenger account information received from the messenger terminal 2000 with messenger account information provided in the member information D / B Is preferably performed when the messenger terminal 2000 executes (or drives) the messenger program 2005 for the first time and logs in to the messenger server 2015. Also, the messenger terminal 2000 performs the messenger program. In the case of at least one non-face-to-face messenger banking request (2005), it is preferable to repeatedly perform the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 2055 succeeds, the messenger server 2015 includes a messenger program 2005 provided in at least one messenger terminal 2000 in which the member authentication succeeds. With a messenger operation unit 2060 that operates to provide a messenger service including at least one of text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, financial transaction history, etc. Characterized in that made.

Those skilled in the art to which the present invention pertains, text chat, voice chat, video chat, the messenger operating unit 2060 through the messenger program (2005) provided in at least one messenger terminal (2000), You will be familiar with the technical features of operating a messenger service that includes at least one of message exchange, file exchange, mailing, friend search, financial transaction history, etc., and thus a detailed description thereof will be omitted for convenience.

Referring to FIG. 20, the messenger server 2015 provides a messenger banking operation unit 2050 that provides a messenger banking service for the non-face-to-face messenger banking in connection with the messenger banking server 2070 through a predetermined communication means. It is characterized by comprising a).

If the messenger banking operation unit 2050 succeeds in the messenger member authentication through the messenger member authentication unit 2055, the messenger banking subscription is stored in association with the messenger account information of the messenger member 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. 9 and / or 14; When it is confirmed that the subscriber has subscribed to the messenger banking service, the messenger banking operation unit 2050 activates the messenger banking function of the messenger program 2005 provided in the messenger terminal 2000 in association with the messenger operation unit 2060. It is characterized by.

For example, when a messenger banking icon and / or a messenger banking menu are provided in a user interface of the messenger program 2005 provided in the messenger terminal 2000, the messenger banking operation unit 2050 may be configured as the messenger operation unit. It is preferable to activate the messenger banking icon and / or messenger banking menu in the messenger program 2005 included in the messenger terminal 2000 in association with 2060.

In addition, when the messenger member authentication through the messenger member authentication unit 2055 succeeds (for example, the messenger terminal 2000 is first executed (or the messenger program 2005). Drive) to log in to the messenger server 2015, when the messenger authentication performed is successful, and / or at least one non-faceted messenger banking through the messenger program 2005 in the messenger terminal 2000. When the messenger member authentication performed upon request is successful), the messenger member authentication result is transmitted to the messenger banking server 2070 through a predetermined communication means.

According to an embodiment of the present invention, the messenger banking server 2070 may be configured for the messenger association account based on the messenger member authentication result received from the messenger banking operation unit 2050 provided in the messenger server 2015. It is possible to provide non-advanced non-face-to-face financial transaction services such as account inquiry services.

Referring to FIG. 20, according to an embodiment of the present invention, the messenger banking server may be linked to a financial system and used according to the use of a financial account (or financial transaction means) associated with a predetermined messenger account stored in the storage medium. When the details are generated (e.g., transfer, use of a card, etc.), the generated financial transaction means use history and the messenger account information are checked, and information management for transmitting the confirmed messenger account information and financial transaction means use history to the messenger server is performed. It characterized by including a portion 2098.

In addition, the messenger banking server 2070 that provides the messenger banking service for the non-face-to-face messenger banking to the messenger customer is a messenger banking operation unit 2050 provided in the messenger server 2015 through a predetermined communication means. Interface unit 2075 for communicating with the messenger program 2005 (and / or messenger banking module 2010) included in the messenger terminal 2000 through a predetermined network means. It is characterized by comprising.

The interface unit 2075 includes a messenger banking provided in the messenger server 2015 through a 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). The management unit 2050 and the communication channel for receiving a predetermined messenger member authentication result is characterized in that the connection and management.

If one of ordinary skill in the art to which the present invention pertains, the interface unit 2075 communicates with the messenger banking operation unit 2050 provided in the messenger server 2015 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 2050 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 2075 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 2050 transmits an electronic signature attached to the messenger member authentication result, the interface unit 2075 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 2050 transmits a predetermined OTP code in the messenger member authentication result, the interface unit 2075 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 2075 receives financial transaction request information for at least one non-face-to-face financial transaction from the messenger terminal 2000 through a network means including at least one wired or wireless communication network, and / or the messenger. The terminal 2000 may connect and manage a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information.

In addition, the interface unit 2075 is characterized in that the connection and management of the financial transaction channel for transmitting the usage information on the messenger member financial transaction means to the messenger server.

If the person skilled in the art to which the present invention pertains, the interface unit 2075 receives financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 2000, and / or the You will be familiar with the technical features of connecting and managing a financial transaction channel for transmitting financial transaction response information or member financial transaction details corresponding to the financial transaction request information to the messenger terminal 2000. Omit.

According to an embodiment of the present invention, when the messenger terminal 2000 encrypts and transmits the financial transaction request information using at least one encryption method, the interface unit 2075 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 2000 transmits an electronic signature to the financial transaction request information, the interface unit 2075 further includes a function of confirming the electronic signature attached to the financial transaction request information. desirable.

Alternatively, when the messenger terminal 2000 includes a predetermined OTP code in the financial transaction request information, the interface unit 2075 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 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 2070 to the messenger terminal 2000 by using at least one encryption method, the The interface unit 2075 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 2070 to the messenger terminal 2000, the interface unit 2075 may transmit 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 2070 includes an information receiving unit 2085 for receiving a predetermined messenger member authentication result from the messenger server 2015 through the communication unit in association with the interface unit 2075. Characterized in that made.

In addition, the information receiving unit 2085 is connected to the interface unit 2075 through the network means from the messenger terminal 2000 through the non-face-to-face messenger banking for the non-face-to-face messenger banking predetermined non-face-to-face finance And receiving transaction authentication information.

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

According to an exemplary 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 2000.

In addition, the information receiving unit 2085 receives the financial transaction request information for the non-face-to-face messenger banking from the messenger terminal 2000 through the network means in association with the interface unit 2075. .

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 or more financial transaction information input through a user interface corresponding to the non-face-to-face messenger banking and messenger-linked account information for face-to-face messenger banking. The information is preferably attached and / or encrypted by a predetermined electronic signature by the messenger banking module 2010 included in the messenger terminal 2000.

The messenger server 2015 downloads a widget for a customer terminal connected to the messenger server 2015 through the interface unit 2075 to perform a financial transaction history information providing function to be installed in the customer terminal according to the present invention. Upon request, an interface providing unit for generating a download interface of a widget to be installed in the customer terminal in cooperation with the interface unit 2075 and providing the download interface to the customer terminal, and the download interface in cooperation with the interface unit 2075. The widget receiving unit 2085, which receives the widget information requested by the customer through the download, and the widget information for checking the received widget information and downloading and providing a widget for providing the financial transaction information information function to the customer terminal. Study 2020, and a room of the widget that performs the financial transaction history information providing function provided in the customer terminal When receiving the customer-specific information input through the widget, the customer authentication unit 2030 for authenticating the widget execution customer, and after the authentication is completed, the customer financial transaction means information corresponding to the authenticated customer information; It checks (or extracts) from the storage medium 2097 and interlocks with the financial system through a predetermined interface means to retrieve the financial transaction details (or details of the settlement schedule or lack of balance) corresponding to the customer financial transaction information. When the information confirmation unit 2045 confirms and at least one financial transaction history corresponding to the customer financial transaction information is confirmed, the confirmed financial transaction history information is transmitted to the widget provided in the customer terminal. Characterized in that comprises a widget operation unit 2035.

When the client terminal accessing the messenger server 2015 through the interface unit 2075 requests the download of a widget that performs the financial transaction information providing function to be installed in the client terminal according to the present invention, the interface unit An interface providing unit for generating a download interface of a widget to be installed in the customer terminal in cooperation with the 2075 and providing the customer terminal to the customer terminal, and requesting a download by the customer through the download interface in connection with the interface unit 2075. An information receiving unit 2085 for receiving widget information, a widget providing unit 2020 for downloading and providing a widget for performing the financial transaction information providing function to the customer terminal by checking the received widget information; When executing the widget to perform the financial transaction information providing function provided in the customer terminal, through the widget Receiving customer-specific information that is output, the customer authentication unit 2030 for authenticating the widget execution customer, and after the completion of the authentication, the customer financial transaction means information corresponding to the authenticated customer information from the storage medium 2097 An information confirming unit 2045 for confirming (or extracting) and confirming a financial transaction history corresponding to the customer financial transaction means information by interworking with the financial system through a predetermined interface means; If at least one financial transaction history corresponding to the means information is confirmed, characterized in that it comprises a widget operation unit 2035 for transmitting the identified financial transaction history information to the widget provided in the customer terminal.

According to an embodiment of the present invention, the messenger server 2015 stores the information stored in the storage medium 2097 by processing the financial transaction information confirmed through the information checking unit 2045 in association with the customer information. It may be configured to further include a portion 2040.

When the widget providing unit 2020 receives a download request of the widget for performing the financial transaction history information providing function according to the embodiment of the present invention from the customer terminal, the widget providing unit 2020 sends the downloaded request widget to the customer through the network means. It is characterized by downloading to the terminal.

Here, the widget for performing the financial transaction history information providing function downloaded to the customer terminal, including at least one or more *. Kon files and at least one * .js file for performing the financial transaction history information providing function Characterized in that made.

The * .kon file is a main code file of a widget, which is generally read as JavaScript when a client executes a widget for executing the financial transaction information providing function through a widget engine on a customer terminal. Contains widget functions that are made up.

The * .js file stores most of the JavaScript required in the process of executing the widget for the customer to perform the financial transaction information providing function through the widget engine on the customer terminal.

The customer authentication unit 2030, when executing the widget to perform the financial transaction history information providing function provided in the customer terminal, characterized in that for authenticating the customer running the widget.

For example, in the process of executing the widget that performs the financial transaction information providing function, the widget may request input of predetermined authentication information (eg, ID, password, etc.) for the widget execution customer authentication. When the customer inputs authentication information through a predetermined key input means (for example, a keyboard) provided in the customer terminal, the widget sends the input authentication information to the customer authentication unit 2030 through the network means. The client authentication unit 2030 may authenticate the widget execution customer by comparing the authentication information transmitted from the widget of the customer terminal with the authentication information stored in the storage medium 2097.

When the authentication of the widget execution customer is completed in the customer terminal through the customer authentication unit 2030, the information checking unit 2045 is associated with the customer information from the storage medium 2097 and stored at least one or more. Check customer financial transaction means information, periodically request financial transaction details for the identified financial transaction means from the financial system through a predetermined interface means, and financial transaction details for the financial transaction means from the financial system; Characterized in that the information is provided, the financial transaction history information for the provided customer financial transaction means is delivered to the widget management unit (2035).

According to another exemplary embodiment, the information checking unit 2045 may receive and confirm the generated financial transaction history information from the financial system when the financial transaction history for the customer financial transaction means occurs. The confirmed financial transaction history information is transmitted to the widget manager 2035.

When at least one financial transaction history information of the customer financial transaction means is confirmed through the information confirmation unit 2045, the widget manager 2035 checks whether the widget of the customer terminal is executed, and the checked The financial transaction history information may be transmitted to a widget executed in the customer terminal, and output through the widget.

According to the exemplary embodiment of the present invention, if at least one or more financial transaction details information is confirmed from the customer financial transaction means, but the widget execution unit is terminated when the widget execution result is checked in the customer terminal, the widget management unit 2035 may be stored in the storage medium 2097 through the information storage unit 2040 until the widget is re-executed in the customer terminal.

The messenger banking server 2070 includes a customer authentication unit 2090 for authenticating the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 2000 through the information receiving unit 2085. Characterized in that made.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined financial transaction request information, the customer authentication unit 2090 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 non-face-to-face financial transaction 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 receiving unit 2085, the customer authentication unit 2090 receives the received messenger banking ID / PW information and the storage medium. By comparing the ID / PW information for messenger banking included in the customer information stored in 2097, the confidentiality of the non-face-to-face financial transaction corresponding to the validity of the messenger banking customer and / or the financial transaction request information, It is characterized by ensuring authentication, integrity and nonrepudiation.

In addition, the information encrypted through the information receiving unit 2085 at least one encryption key (for example, symmetric key, public key, private key, etc.) provided in the authentication certificate provided in the messenger terminal 2000; When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 2090 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, or a public key) corresponding to the encryption key. Validate the messenger banking customer and / or secure confidentiality, authentication, integrity and nonrepudiation of non-face-to-face financial transactions corresponding to the financial transaction request information.

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 through the information receiving unit 2085, the customer authentication unit 2090 receives the reception. The non-face-to-face financial transaction corresponding to the validity of the messenger banking customer and / or corresponding to the financial transaction request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 2097. To ensure confidentiality, authentication, integrity and nonrepudiation.

In addition, when the non-face-to-face financial transaction authentication information including the OTP code generated through the OTP generator provided to the messenger banking customer is received through the information receiving unit 2085, the customer authentication unit 2090 stores the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 2097, comparing the generated OTP code with the received OTP code, and validating the messenger banking customer; and And / or secure confidentiality, authentication, integrity, and nonrepudiation of non-face-to-face financial transactions corresponding to the financial transaction request information.

Referring to FIG. 20, the messenger banking server 2070 may include a banking processor 2095 for processing a non-face-to-face financial transaction corresponding to the financial transaction request information received through the information receiver 2085, and the banking processor 2095. ) Retrieves at least one or more ledger information from the ledger D / B provided in the financial system through a predetermined interface means to process the non-face-to-face financial transaction corresponding to the financial transaction request information, and / or the banking processing unit ( When the non-face-to-face financial transaction is processed by 2095, a ledger processing unit 2096 for generating ledger information corresponding to the non-face-to-face financial transaction through a predetermined interface means and storing the ledger information in the ledger D / B provided in the financial system. Generating financial transaction response information including a non-face-to-face financial transaction result corresponding to the financial transaction request information and transmitting the financial transaction response information through the interface unit 2075. And an information transmitting unit 2080 to transmit a Passenger terminal (2000) is characterized in that formed.

The message receiving member authentication result is received from the messenger server 2015 through the information receiving unit 2085 and from the messenger terminal 2000 corresponding to the messenger member authentication result through the information receiving unit 2085. When the financial transaction request information corresponding to the account inquiry request for the messenger linked account is received, the banking processing unit 2095 requests an account inquiry for the messenger linked account from the ledger processing unit 2096, and correspondingly, the ledger is processed. The processing unit 2096 inquires the account ledger corresponding to the messenger linked account from the ledger D / B provided in the financial system through a predetermined interface means, and the information transmitter 2080 corresponds to the messenger linked account. Generate financial transaction response information including an account ledger inquiry result and transfer it to the messenger terminal 2000 through the interface unit 2075. And it characterized in that.

The predetermined messenger member authentication result is received from the messenger server 2015 through the information receiving unit 2085, and the non-messenger message is received from the messenger terminal 2000 corresponding to the messenger member authentication result through the information receiving unit 2085. When the financial transaction request information for the face-to-face messenger banking is received, 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 2090, the banking processing unit 2095 Characterized in that the non-face-to-face financial transaction procedure corresponding to the financial transaction request information.

According to the implementation method of the present invention, non-face-to-face financial transactions corresponding to the financial transaction request information may be provided through all kinds of financial systems, such as account transfer, payment settlement, currency exchange, utility bill payment, and financial product investment. It is desirable to include non-face-to-face financial transactions.

Those skilled in the art to which the present invention belongs, the technical features that the banking processing unit 2095 performs each non-face-to-face financial transaction procedure through the financial transaction request information corresponding to each non-face-to-face financial transaction Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the non-face-to-face financial transaction corresponding to the financial transaction request information is processed by the banking processor 2095, the ledger processor 2096 generates the ledger information corresponding to the non-face-to-face financial transaction through a predetermined interface means. And store the data in a ledger D / B provided in a financial system, and the information transmitter 2080 generates financial transaction response information including a non-face-to-face financial transaction result corresponding to the financial transaction request information. Characterized in that the transmission to the messenger terminal 2000 via the unit 2075.

On the other hand, according to another embodiment of the present invention, the messenger server 2015 receives the predetermined messenger member account information and the financial transaction means usage history of the member from the messenger banking server (or other banking server). It may be configured to include an information confirmation unit for confirming whether the messenger member account is logged in, and a messenger operation unit for providing the financial transaction means use history to the messenger member terminal when the login of the messenger member account is confirmed.

In this case, the financial transaction means usage history may be provided through a pop-up function on a messenger having a program code as follows.

CStatusBarMsgWnd * t_MsgWnd = CStatusBarMsgWnd :: CreateObject (

    _T ("Financial Transaction Details: October 16, 2006: 15: 2006: Premium Transfer (xxx-xxx-xxxxx) !!"), // the message to be displayed

    180, // width of the window

    150, // height of window

    4000, // time for the message to be displayed

    10, // delay for animation, how fast the window opens and closes

    CRect (30, 30, 130, 110), // rectangle in the window where the

                             // message will be displayed

    this // parent of the message window

    );

t_MsgWndMsg.PopMsg ();

Referring to FIG. 20, the financial system is a computerized 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. As an accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or teller), an information system for processing the headquarters business, branch office information support and customer information management; Interconnection between the financial 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 chips) provided in at least one or more external communication networks. 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 form, and / or predetermined ledger information and at least one ledger additional information are stored in a relational form. Since it will be understood that the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the external system of the financial system may include at least one non-face-to-face financial transaction processing function requested from the messenger banking server 2070 in association with the messenger banking server 2070 through the interface means. For example, it is preferable to include a messenger banking unit to perform a ledger inquiry, or ledger information storage, and to provide the messenger banking server to check the usage of the financial transaction means requested from the messenger banking server.

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. 20, the financial system may be connected to the messenger banking server 2070 and may include at least one messenger terminal 2000 connected to a predetermined wired / wireless communication network through the messenger banking server 2070. It provides a non-face-to-face financial transaction service to at least one messenger customer through.

21 is a diagram illustrating a messenger member authentication process for non-face-to-face banking using a messenger according to an embodiment of the present invention.

In more detail, FIG. 21 illustrates that when a messenger program 2005 is executed (or driven) on a predetermined messenger terminal 2000 to log in to a predetermined messenger server 2015 shown in FIG. 9 and / or the messenger banking customer who registers at least one messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a non-face-to-face banking service using the messenger through a program (2005). Specifically, messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. It is for the case where the stored member information is stored in D / B.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 21 to infer various implementation methods for a messenger member authentication process for non-face-to-face banking using a messenger. The present invention includes all the inferred implementation methods, and the technical features are not limited only to the implementation method shown in FIG.

Hereinafter, in FIG. 21, the messenger terminal 2000 shown in FIG. 20 is referred to as a "terminal" for convenience, and the messenger server 2015 shown in FIG. 21 is referred to as a "server" for convenience.

Referring to FIG. 21, when a predetermined messenger member executes (or drives) a messenger program 2005 provided in a predetermined terminal (or automatically executes), the terminal may be configured to execute the messenger program 2005 through the messenger program 2005. The messenger account information of the messenger member is input and transmitted to the server (2100).

According to the exemplary embodiment of the present invention, the process of inputting the messenger account information of the messenger member through the messenger program 2005 and transmitting the messenger account information to the server may include: key input means provided by the messenger member in the terminal; Preferably, the method further comprises the step of inputting the messenger account information, or the messenger program 2005 further comprises 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 (2105).

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) (2110), The server generates a predetermined messenger member error result and transmits the result to the terminal (2115), and correspondingly, the terminal transmits at least one messenger service (e.g., text chat, voice chat, image) through the messenger program (2005). 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 (for example, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2110), the server The messenger banking subscription information associated with the messenger account information may be read to determine whether the messenger member is a messenger banking customer through the messenger banking information registration system shown in FIGS. 9 and / or 12.

If the messenger member is not subscribed as a messenger banking customer (2125), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member through the messenger program 2005). Generates and transmits the information to the terminal (2130), and correspondingly, the terminal corresponds to at least one messenger function (e.g., text chat, voice chat, video chat) provided in the messenger program (2005). , Message exchange, file exchange, mailing, friend search, etc.) (2135).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2125), the server is the messenger member authentication result including the messenger account information (for example, the messenger member uses at least one messenger program through the messenger program 2005). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 2070, and the messenger banking server 2070 transmits the messenger member authentication result to a predetermined storage medium 2097. (2145).

According to an exemplary embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 2070 may be generated when the non-face-to-face banking request using at least one messenger from the terminal to the messenger banking server 2070 is performed. It is preferably used as information to authenticate the validity of the.

In addition, the messenger member authentication result stored in the messenger banking server 2070 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 2070 is requested. It is preferably used as information that authorizes the processing of the requested non-face-to-face financial transaction without additional authentication procedure through authentication information.

Subsequently, the server includes the messenger banking subscription information in the messenger member authentication result and transmits the messenger banking subscription information to the terminal (2150), and correspondingly, the terminal includes at least one messenger function (e.g., provided in the messenger program 2005). , Text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.), and the messenger banking function provided in the messenger program 2005 based on the messenger banking subscription information. Activate (2155).

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 2070 to identify the messenger banking customer.

According to an embodiment of the present invention, activating the messenger banking function included in the messenger program 2005 may include: when the messenger program 2005 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 2005 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 2005, and / or A messenger program 2005 provided in at least one other terminal associated with the messenger program 2005 and / or at least one server associated with the messenger program 2005 (eg, the messenger server 2015), or And a non-face-to-face banking request using the messenger from a messenger banking server 2070, etc., in response to this, activating to perform the requested non-face-to-face financial transaction procedure.

22 is a diagram illustrating a process of providing messenger member financial transaction information using a messenger according to an exemplary embodiment of the present invention.

In more detail, FIG. 22 illustrates that when a messenger program is executed (or driven) in a predetermined messenger terminal through the process of FIG. 21 and the user logs in to the predetermined messenger server shown in FIG. And / or when it is identified as a messenger banking customer who has registered messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. The present invention relates to a process of providing a usage history generated by using a messenger customer's financial transaction means to the messenger terminal, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods can be inferred for the process of providing use of financial transaction means using messenger. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the technical features are not limited only to the implementation method illustrated in FIG.

In FIG. 22, the messenger terminal shown in FIG. 20 is referred to as "terminal" for convenience, and the messenger server shown in FIG. 20 is called "server" for convenience.

When the messenger customer is authenticated through the process of FIG. 21 and the messenger program function is activated in the terminal (2200), the messenger banking server periodically checks the use of the financial transaction means associated with the messenger account (2205).

Here, the messenger banking server is provided on the financial system shown in FIG. 20 or interworked with the financial system, and the messenger account information and the financial transaction means (eg, financial account, card, etc.) associated with the messenger account. It is characterized by receiving the confirmation. As a result of the check, when the use of the financial transaction means occurs (eg, transfer, card use, etc.) (2210), the messenger banking server transmits the generated financial transaction means use history and the messenger account information to the server. (2215).

Then, the server receives the financial transaction means usage history and the messenger account information associated with the financial transaction means, and transmits the financial transaction means usage history to the terminal connected to the received messenger account (2220). The terminal outputs (pops up) the transmitted financial transaction means usage history and the like so that the messenger customer can recognize it (2225).

According to the present invention, when a customer's financial transaction (eg, transfer, use of a card, etc.) occurs, the customer's financial transaction occurrence history is notified to the customer in real time through a widget program connected to a messenger, etc. It is possible to provide a differentiated service in contrast, and it is also possible to provide additional services in messenger banking.

Claims (5)

Cooperatively processing the customer messenger account information and the customer account or the card information in the predetermined information storing means and storing them in a predetermined storage medium; Confirming whether or not an event (such as deposit or withdrawal or approval) has occurred for the customer account or card in a predetermined information checking means; Transmitting, by a predetermined information transmission means, the customer messenger account information and the generated event history stored in association with the customer account or the card on the storage medium to a messenger server corresponding to the customer messenger; And The messenger server checks a logon state of the customer messenger account, and when the customer messenger account is in a logon state, the event history information and a notification window are sent to the messenger program so that the event history is output through a notification window connected to the messenger. Transmitting a command for outputting an event history through the client, and if the customer messenger account is not logged on, storing the event history in association with the customer messenger account information and storing the event history in a predetermined storage medium. Information providing method characterized by. The method of claim 1 or 2, wherein the event history, An information providing method comprising at least one of a deposit or withdrawal history, a card usage history, payment related details, and the like. Information storage means for linking and processing the customer messenger account information and the customer account or card information in a predetermined storage medium; Information checking means for checking whether an event (such as deposit or withdrawal or approval) has occurred for the customer account or card; And After confirming the customer messenger account associated with the customer account or the card in connection with the storage medium (or storage medium operating means), the generated event details and the customer messenger account information are sent to the messenger server corresponding to the customer messenger. And information transmitting means for transmitting. Information checking means for checking whether an event (such as deposit or withdrawal or approval) has occurred for the customer account or the card; And And information transmission means for transmitting the generated event details to the widget program installed in the customer terminal. A computer-readable recording medium having recorded thereon a program for executing a function of the system constituting means of claim 3.

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