KR20080037744A - System and method for providing information by using messenger and program recording medium - Google Patents

Abstract

A system and a method for providing information with a messenger are provided to enable a bank to develop a financial product linked with a portal company, and make additional profit from a messenger banking service by providing basis for advertising and selling the financial product in the messenger, and providing a financial product contract service to a customer in connection with the messenger banking service. An information storing part(1220) stores information to a storage medium(1230) by linking with a messenger account of a customer when the information to be provided to the customer through a messenger program is received from an information provider. An information checker checks whether the connected customer is the customer to receive the information by comparing the messenger account of the connected customer with the messenger account of the predetermined customers. An information provider provides the information stored in the storage medium to a messenger of the customer when the connected customer is the customer to receive the information. A financial product contract processor processes a financial product contract by using an account linked with the messenger account of the customer when the customer requests the financial product contract in the messenger based on the information.

Description

System and Method for Providing Information by Using Messenger and Program Recording Medium}

1 is a diagram illustrating a face-to-face financial product information registration system for providing financial product information using a messenger according to an exemplary embodiment of the present invention.

2 is a diagram showing the configuration of financial product information stored in the ledger D / B provided in the DBMS on the financial system to provide financial product information using a messenger according to an embodiment of the present invention.

3 is a view showing the configuration of the financial product information stored in the ledger D / B provided in the DBMS on the financial system for providing the financial product information using a messenger.

4 is a diagram illustrating a process of registering at least one financial product information for providing financial product information using a messenger according to an embodiment of the present invention.

5 is a diagram illustrating a configuration of a financial product information providing system using a messenger according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a process of providing financial product information using a messenger according to an embodiment of the present invention.

7 is a diagram illustrating a face-to-face messenger banking information registration system for subscribing to a financial product using a messenger according to an embodiment of the present invention.

FIG. 8 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in a DBMS on a financial system in a face-to-face manner in order to subscribe to a non-face-to-face financial product using a messenger according to an exemplary embodiment of the present invention.

FIG. 9 is a diagram illustrating a configuration of messenger banking information stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner in order to subscribe to a non-face-to-face financial product using a messenger according to another embodiment of the present invention. to be.

FIG. 10 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 to subscribe to a non-face-to-face financial product using a messenger according to another embodiment of the present invention.

11 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.

12 illustrates a non-face-to-face messenger banking information registration system for subscribing to a non-face-to-face financial product using a messenger according to another exemplary embodiment of the present invention.

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

FIG. 14 illustrates 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 in order to subscribe to a non-face-to-face financial product using a messenger according to another embodiment of the present invention. Drawing.

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

FIG. 16 is a diagram illustrating a process of registering messenger banking information in a non-face-to-face manner to subscribe to a non-face-to-face financial product using a messenger according to one embodiment of the present invention.

17A and 17B illustrate a process of registering messenger banking information in a non-face-to-face manner to subscribe to a non-face-to-face financial product using a messenger according to another exemplary embodiment of the present invention.

18 is a diagram illustrating a configuration of a messenger banking system for subscribing to a financial product using messenger banking according to an exemplary embodiment of the present invention.

19 is a diagram illustrating a financial product subscription request process for financial product subscription using messenger banking according to an embodiment of the present invention.

20 is a diagram illustrating a messenger member authentication process for subscribing to a financial product using messenger banking according to an exemplary embodiment of the present invention.

21 is a diagram illustrating a messenger member authentication process for subscribing to a financial product using messenger banking according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a non-face-to-face financial transaction authentication process for entering financial products using messenger banking according to an embodiment of the present invention.

<Description of main parts of drawing>

1200: information registration server 1205: interface unit

1210: interface providing unit 1215: information receiving unit

1220: information storage unit 1225: validation unit

1230: storage medium 1235: messenger server

1240: information registration terminal 1245: wireless terminal

1250: wired terminal

When the financial product information data to be provided and / or received from the at least one information provider through a messenger program is input and / or received, storing the financial product information data in a predetermined storage medium in a predetermined information storage means; When a customer is connected, providing a financial product information data previously stored in the storage medium in a predetermined information providing means through a messenger program, and the messenger user requests to join the financial product by referring to the financial product information data; Or, when requesting a consultation on the financial product, connects a messenger program of the messenger user with the information provider in a predetermined messenger operating means.

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

Such instant messengers can be closer to customers than conventional non-face-to-face financial transaction channels such as Internet banking, and because of the long connection time, there are many opportunities to provide financial products related information to customers.

Therefore, it is time to search for various types of instant-related financial product information providing services, such as providing financial product information or financial product subscription, which have been weak in Internet banking.

SUMMARY OF THE INVENTION An object of the present invention for solving the above problems is that when financial product information data to be provided and / or received through a messenger program is input and / or received from at least one or more information providers, the financial product information data is stored in a predetermined information storage means. And store the financial product information data pre-stored in the storage medium through a messenger program in a storage medium, and when a messenger user is connected, the messenger customer refers to the financial product information data. The present invention provides a method and system for providing an information using a messenger that connects a messenger program of the messenger using a messenger to the information provider when requesting to join a financial product or requesting consultation on the financial product. .

In the information providing system using a messenger according to the present invention, when information data to be provided to a specific customer (or group of customers) from at least one or more information providers through a messenger program is input and / or received, the information data is transferred to the specific customer ( Or means for storing information stored in a predetermined storage medium in association with messenger account information of a customer group; and when a messenger using a messenger is connected, a specific customer (or group of customers) previously stored in the messenger account of the connected customer and the storage medium. Information checking means for confirming whether the connected customer is an information providing customer by comparing a messenger account of the user; and if the connected customer is an information providing customer, information data previously stored in the storage medium. Characterized in that it comprises the information providing means provided by the customer messenger.

According to the present invention, in the information providing system using the messenger, when the information data is predetermined financial product information data, and the messenger user requests to join the financial product based on the information data, the messenger is used. It further comprises a financial product subscription processing means for processing the financial product subscription using the account associated with the customer's messenger account.

According to the present invention, the information providing system using the messenger further comprises means for collecting a predetermined fee for providing the information data to the information provider.

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

Meanwhile, in the information providing method using a messenger according to the present invention, when financial product information data to be provided and / or received through a messenger program is input and / or received from at least one or more information providers, the financial product information data may be stored in a predetermined information storage means. Storing the financial product information data previously stored in the storage medium through a messenger program in a predetermined information providing means when the messenger user is connected, and the messenger customer provides the financial product information. Requesting to subscribe to the financial product with reference to the data, or requesting consultation on the financial product, connecting a messenger program of the messenger using the messenger to the information provider in a predetermined messenger operating means; It is done.

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 face-to-face financial product information registration system for providing financial product information using a messenger according to an exemplary embodiment of the present invention.

In more detail, in FIG. 1, at least one financial product information provider (for example, a private banker (PB), a financial institution, etc.) is provided to a predetermined customer (or group of customers) by the financial product information registration system through a predetermined information registration interface. When at least one financial product information and financial product providing condition information are provided for providing a financial product using a messenger, the financial product information registration system and the provided financial product information and financial product providing condition information are provided with the financial product information provider information. As a system configuration for storing the data in a predetermined storage medium 130 in association with a user, those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to use financial messenger information. It is possible to infer various implementation methods for the composition of the financial product information registration system for provision. And, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one financial product information and financial product providing condition information provided from the financial product information provider through a predetermined information registration interface on the financial product information registration system shown in FIG. 1 is stored in the storage medium 130. Components corresponding to at least one or more means and / or functional configurations for the sake of convenience are referred to as " information registration server 100 ".

Referring to FIG. 1 according to an embodiment of the present invention, a financial product information registration system for providing financial product information and financial product providing condition information using a messenger according to the present invention includes a wired terminal and / or a financial product information provider. And an information registration terminal including at least one client terminal or the like including at least one wireless terminal, wherein the information registration terminal is provided on the financial product information registration system through a predetermined network means. The communication channel is connected to the information registration server 100.

According to one embodiment of the invention, the financial product information provider is the information via at least one or more financial product information registration terminal 140 of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. Access the registration server 100 and input financial product information and financial product providing condition information for providing financial product information using a messenger according to the present invention through at least one user interface provided by the information registration server 100. (Or optional), the financial product information registration terminal 140 preferably transmits the information to the information registration server 100 provided on the financial product information registration system through a predetermined network means.

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 100 is connected to the financial product information registration terminal 140 according to the characteristics of the financial product information registration terminal 140 and the network means Internet banking server and / or wireless banking server and / or tele Preferably, the banking server and / or the TV banking server are included, and / or include a separate web server for registering the financial product information.

In addition, the network means for connecting the financial product information registration terminal 140 and the information registration server 100 is a CDMA-based mobile communication network and / or according to the wireless network type connected to the financial product information registration terminal 140 It is preferable to include any one of the IEEE 802.16x-based portable Internet and / or DataTAC / Mobitex-based wireless data communication network, and / or all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the financial product information registration terminal 140 outputs at least one user interface provided by the information registration server 100, and inputs and / or selects at least one information through the user interface to register the information. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function, etc. communicating with the information registration server 100, etc.) for transmitting to the server 100 is provided.

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

In the financial product information registration system as described above, the financial product information registration terminal 140 and the financial product information registration terminal 140 including at least one wired terminal and / or a wireless terminal used by the financial product information provider. At least one wired network and / or wireless network connecting the information registration server 100 and at least one financial product information and financial product for the financial product information provider to provide financial product information using a messenger according to the present invention. Performs the function of the information registration interface for registering the provision condition information.

According to another exemplary embodiment of the present invention, the financial product information registration terminal 140 is a predetermined call terminal connected to a wired telephone network such as a public switched telephone network (PSTN) and a voice over IP (VoIP) network. (Not shown), and / or further comprising a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or affiliated with the financial institution. Terminal (and / or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the financial product information registration system as described above, when the financial product information registration terminal 140 is provided in the financial institution, the financial product information registration terminal 140 and the financial information connecting server 100 is connected. The network performs a function of an information registration interface for the financial product information provider to register at least one or more financial product information and financial product provision condition information for providing financial product information using a messenger according to the present invention, and / or When the information registration terminal is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 may be used. At least one financial product information and financial products for the product information provider to provide financial product information using a messenger according to the present invention A terminal (and / or server) which performs a function of an information registration interface for registering the condition information, and / or the financial product information registration terminal 140 is provided in an institution affiliated with the financial institution (not shown). Is a network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server 100 to the financial product information provider. In order to provide financial product information using a messenger according to the above, it performs a function of an information registration interface for registering at least one financial product information and financial product providing condition information.

The storage medium 130 provided on the financial product information registration system according to the present invention includes at least one financial product information, financial product providing condition information, and the financial product information provider provided from the financial product information registration terminal 140. Characterized in that the information is interconnected and stored, wherein the at least one financial product information, financial product provision condition information and the financial product information provider information stored in the storage medium 130 is financed using a messenger according to the present invention. Used to provide product information.

The financial instrument information includes periodic deposits, periodic deposits, restricted deposits, and other standardized instruments handled by a given financial institution, and is held for short-term fund management purposes or short-term that is due within one year. Long-term financial instruments, such as periodic deposits, which do not belong to financial instruments and short-term financial instruments, may be classified. The detailed description thereof will be omitted.

For example, if the financial product is a reserve stock investment trust, the financial product information, fund type (eg, equity type, additional type, etc.), trading method (eg, earning type, arbitrary type, etc.), period of accumulation (eg, earning type) In the case of 60 months or more, etc.), the new amount (e.g., 100,000 won or more in the case of earning meals, 1 million won or more in the case of arbitrary meals, etc.), major management targets (e.g., 60% or more in stocks, 40% or less in bonds, etc.) If the margin is less than 15% of the total amount. Repurchase date (e.g. 3 business days before 3 pm, 4 business days now, 3 business days after 3 pm etc.), repurchase fee (e.g. less than 90 days per deposit, 70 of profits) %, Etc.), date of establishment (e.g. October 1, 2006), net asset size (e.g. 600 billion, etc.), trust fee (e.g. 2.40% per year (1.64% sales, 0/69% operations, 0.05% trust. Etc.), and management companies (eg, Shinhan Bank, etc.).

The financial product providing condition information may include financial product information providing period information using a messenger and specific messenger account information (eg, a member messenger account managed by a financial product information provider) according to the present invention. When the financial product information selects a predetermined financial product information providing icon on the messenger or a financial product information providing menu, information about a specific posting area on a predetermined web page (for example, financial product information providing web page, etc.) to be loaded. (Eg, online entry information, etc.).

For example, when the financial product providing condition information includes specific messenger account information and financial product information (eg, specific financial product information for a member managed by the financial product information provider) associated with the specific messenger account information. The specific financial product information can be provided to a messenger member logged into the messenger account.

The financial product information provider information may include personal information (eg, financial institution information provider affiliation, position, name, company number (or ID), financial product management history, Phone number, e-mail, etc.).

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

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

The information registration server 100 provided on the financial product information registration system according to the present invention is a generic term for components of the financial product information registration system side connected to the financial product information registration terminal 140 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the financial product information registration terminal 140 includes a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 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 provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the Internet banking server (and / or the server (or device)). Or a device) and / or a program provided in the external world on the financial system, whereby the present invention is not limited. Should you.

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 includes a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information registration server 100 may be configured as the wireless banking system. A predetermined wireless banking server provided on and / or a program provided in the wireless banking server, and / or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system. A program included in the server (or device), and / or a server (or device) in the external world on the financial system accessible through the wireless banking server (and / or the server (or device)). And / or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 may be configured as described above. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the telebanking system, and / or a program provided in the telebanking server, and / or through the telebanking system. Any server (or device) accessible to the external world of the system, 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 system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is limited. Not.

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

According to the embodiment of the present invention, the information registration server 100 is provided with an interface unit 105 for connecting and managing a predetermined communication channel with the financial product information registration terminal 140 through the network means. It features.

According to an embodiment of the present invention, if the financial product information registration terminal 140 includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 105 may be configured as described above. A predetermined communication channel is connected to the financial product information registration terminal 140 based on a protocol stack defined in a wired network and / or a wireless network, and is defined in a communication program provided in the financial product information registration terminal 140. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol.

For example, when the browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the financial product information registration terminal 140, the interface unit 105 is based on the TCP / IP protocol. A communication channel is connected to the registration terminal 140 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. to provide.

Alternatively, when the financial product information registration terminal 140 is provided with a communication program (eg, financial product information registration program) provided by the information registration server 100, the interface unit 105 is the TCP / IP protocol. It connects the communication channel with the financial product information registration terminal 140 based on the, 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 financial product information registration terminal 140 includes a wireless terminal connected to a predetermined wireless network, the interface unit 105 implements a protocol stack defined in the wireless network. At least one or more information (or data) by connecting a predetermined communication channel with the financial product information registration terminal 140 and using a communication protocol defined in a communication program included in the financial product information registration terminal 140. It is desirable to provide a communication interface for transmission and reception.

For example, when the browser program corresponding to the WAP (Wireless Application Protocol) and / or ME (Mobile Explorer) protocol is provided in the financial product information registration terminal 140, the interface unit 105 is based on the CDMA protocol. Connects a communication channel with the client terminal, and transmits and receives a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) and / or information using a WAP / ME protocol defined in the browser program. Provides a communication interface for

Alternatively, when the financial product information registration terminal 140 is provided with a communication program (for example, financial product information registration program) provided by the information registration server 100, the interface unit 105 uses the CDMA protocol. It connects the communication channel with the financial product information registration terminal 140 on the basis, 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 financial product information registration terminal 140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path and / or transmitting and receiving information (or data) based on the voice call based on a voice call protocol defined in a wireless telephone network. .

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

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 105 is defined in the TV banking system. At least one or more information 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) based on the established protocol stack. It is desirable to provide a communication interface for (or data) transmission and reception.

Referring to FIG. 1, when the predetermined financial product information registration terminal 140 accesses the information registration server 100 through the interface unit 105, the information registration server 100 is connected to the interface unit 105. An interface provider 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting at least one financial product information from the information registration terminal in association with the information registration terminal; An information receiving unit 115 which receives the financial instrument information input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 105; and the received financial instrument information and the financial instrument. And an information storage unit 120 for linking and processing the provider information to a predetermined storage medium 130.

The interface providing unit 110, when a predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the messenger banking information corresponding to the functional configuration provided in the information registration terminal Generate a predetermined user interface which can be input (or selected) and transmitted to the information registration server 100 via the network means, and / or extracted from a predetermined database (not shown), and the interface unit ( And the user interface generated (or extracted) in association with 105) to the information registration terminal through the network means.

Subsequently, the financial product information registration terminal 140 inputs (or selects) at least one financial product information based on the user interface, and inputs the input (or selected) financial product information through the financial network. Send to the registration server 100.

According to an embodiment of the present invention, when the financial product information registration terminal 140 includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 110 may include Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program included in the financial product information registration terminal 140, and the generated (or extracted) user through the interface unit 105. It is preferable to provide an interface to the financial product information registration terminal 140.

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 includes a wireless terminal connected to a predetermined wireless network, the interface provider 110 may provide the financial product information registration terminal 140. Generate (or extract) a predetermined user interface that can be provided by a browser program and / or a communication program provided in the terminal, and generate the (or extract) the user interface through the interface unit 105 to the financial product information registration terminal. It is preferable to provide at 140.

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 is the call terminal. Generate (or extract) a predetermined user interface that can be provided (not shown), and generate the user interface (eg, ARS based user interface) generated by the interface unit 105 to the call terminal ( (Not shown) is preferable.

According to another exemplary embodiment of the present invention, when the financial product information registration terminal 140 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 110 may include the wired terminal (or Generating (or extracting) a predetermined user interface that can be provided to the interactive digital TV) and providing the generated (or extracted) user interface to the wired terminal (or the interactive digital TV) through the interface unit 105. desirable.

When the information receiving unit 115 inputs (or selects) at least one financial product information through the user interface from the financial product information registration terminal 140 and transmits it through the network means, the interface unit 105 and The financial product information is received in association with each other, and the received financial product information is provided to the information storage unit 120.

The information storage unit 120 stores the information on the storage medium 130 by integrating the financial product information and the financial product information provider information, and the storage medium 130 stores the information registration server 100. When provided within or on a network associated with the information registration server 100, the information storage unit 120 processes the received financial product information and financial product provider information in association with the storage medium 130. Preferably, the storage medium 130 is provided in a DBMS provided on a financial system, and the information storage unit 120 stores the received financial product information and financial product provider information on the financial system. It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

2 is a diagram illustrating a financial product information structure stored in the ledger D / B provided in the DBMS on the financial system to provide financial product information using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 2, when the storage medium 130 illustrated in FIG. 1 is a ledger D / B provided in a DBMS on a financial system, the financial product information is stored in the ledger information provided in the ledger D / B. As shown in FIG. 1, a person having ordinary knowledge in the technical field to which the present invention pertains may store the financial product information in the ledger D / B by referring to and / or modifying the drawing. Various information configuration methods may be inferred, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

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

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

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

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

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

Referring to FIG. 2, the financial product information provided through the financial product information registration system shown in FIG. 1 is stored in the form of additional information added to the customer ledger, and the financial product information is handled by a financial institution. Characterized in that it comprises at least one or more information, such as regular deposits, regular payments, deposits with limited use and other standardized products.

As described above, when the financial product is a reserve stock investment trust, the financial product information may include a fund type (eg, equity type, additional type, etc.), a trading method (eg, earning type, arbitrary type, etc.), a period of accumulation (eg, In the case of the earning ceremony, monthly basis for 60 months or more), new amount (e.g., 100,000 won or more for the savings ceremony, 1 million won or more for any meals), major management targets (e.g., 60% or more of stocks, 40% or less of bonds) In the case of goods, the margin of consignment is less than 15% of the total amount. Repurchase date (e.g., before 3 pm 2 business days now, 4 business days after 3 pm, 3 business days after 3 pm etc.), repurchase fee (e.g. less than 90 days per deposit, 70 of the profit) %, Etc.), date of establishment (e.g. October 1, 2006), net asset size (e.g. 600 billion, etc.), trust fee (e.g. 2.40% per year (1.64% sales, 0/69% operations, 0.05% trust. Etc.), and management companies (eg, Shinhan Bank, etc.).

The financial product information provider information is personal information of the financial product information provider (eg, belonging to a financial product information provider, position, name, etc.) that performs the sale, management, etc. of the financial product to provide financial product information using a messenger according to the present invention. , Number (or ID), financial product management history, telephone number, e-mail, etc.) is characterized in that it is made.

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

According to the exemplary embodiment of the present invention, the financial product providing condition information may include financial product information providing period information using a messenger according to the present invention, and the financial product information may include a predetermined financial product on the messenger. When the information providing icon or the financial product information providing menu is selected, information about a specific posting area on a predetermined web page (eg, financial product information providing web page, etc.) to be loaded is further included (for example, online entry information). It can be done by.

3 is a diagram showing the configuration of the financial product information stored in the ledger D / B 300 provided in the DBMS on the financial system to provide the financial product information using a messenger.

3 is a view showing the configuration of the financial product information stored in the database associated with the ledger D / B 300 provided in the DBMS on the financial system to provide financial product information using a messenger according to another embodiment of the present invention .

In more detail, FIG. 3 shows an information structure for an implementation method in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B 300 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 3 to associate the financial product information with a ledger D / B 300 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. 3 illustrates a case in which it is not easy to store the financial product information in the ledger information of the ledger D / B 300 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS). If it is not easy to change / B (300), or the system is not easy to expand the system due to the nature of the financial system), and store the financial instrument information in a predetermined database instead of the ledger D / B (300), The implementation method of storing the database and the ledger D / B 300 in association is shown.

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

Referring to Figure 3, the database is characterized in that the financial product information and the financial product information provider information is stored in association, the financial product information is limited to the periodic deposits, regular payments, the use of the financial institution is limited Characterized in that it comprises at least one or more information related to deposits and other formal goods.

As described above, when the financial product is a reserve stock investment trust, the financial product information may include a fund type (eg, stock type, additional type, etc.), a trading method (eg, earning type, arbitrary type, etc.), a period of accumulation (eg, In the case of the earning ceremony, monthly basis for 60 months or more), new amount (e.g., 100,000 won or more for the savings ceremony, 1 million won or more for any meals), major management targets (e.g., 60% or more of stocks, 40% or less of bonds) In the case of goods, the margin of consignment is less than 15% of the total amount. Repurchase date (e.g. 3 business days before 3 pm, 4 business days now, 3 business days after 3 pm etc.), repurchase fee (e.g. less than 90 days per deposit, 70 of profits) %, Etc.), date of establishment (e.g. October 1, 2006), net asset size (e.g. 600 billion, etc.), trust fee (e.g. 2.40% per year (1.64% sales, 0/69% operations, 0.05% trust. Etc.), and management companies (eg, Shinhan Bank, etc.).

The financial product information provider information is personal information of the financial product information provider (eg, belonging to a financial product information provider, position, name, etc.) that performs the sale, management, etc. of the financial product to provide financial product information using a messenger according to the present invention. , Number (or ID), financial product management history, telephone number, e-mail, etc.) is characterized in that it is made.

According to the exemplary embodiment of the present invention, the financial product providing condition information may include financial product information providing period information using a messenger according to the present invention, and the financial product information may include a predetermined financial product on the messenger. When the information providing icon or the financial product information providing menu is selected, information about a specific posting area on a predetermined web page (eg, financial product information providing web page, etc.) to be loaded is further included (for example, online entry information). It can be done by.

4 is a diagram illustrating a process of registering at least one financial product information to provide financial product information using a messenger according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates the financial product information when the financial product information registration terminal 140 of the financial product information registration system illustrated in FIG. 1 is connected to a terminal provided in the financial institution through a predetermined financial network. The registration terminal 140 accesses the information registration server 100 through a network means (for example, a financial network), connects a communication channel for registering financial product information according to the present invention, and then connects the communication channel. When at least one financial product information is transmitted to the information registration server 100, the information registration server 100 stores the predetermined information by linking the received financial product information, financial product providing condition information, and financial product information provider information. The present invention relates to a method of storing the medium 305, and a person skilled in the art to which the present invention pertains can refer to and / or modify the present invention. Although various implementation methods for registering the financial instrument information from the financial product information provider terminal to the information registration server 100 may be inferred, the present invention includes all the implementation methods inferred, as shown in FIG. It is not limited to implementation method.

Referring to FIG. 4, the financial product information registration terminal 140 shown in FIG. 1 accesses the information registration server 100 through a predetermined financial network to register a predetermined communication channel for registering the financial product information. And requesting the financial product information registration for providing the financial product information using the messenger according to the present invention (400), the information registration server 100 provides a predetermined information registration interface for registering the financial product information. Generate (or extract) (405), and transmits the generated (or extracted) information registration interface to the financial product information registration terminal 140 through the communication channel and outputs (410).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) at least one or more financial product information and financial product provision condition information in the financial product information registration terminal 140. Do.

Thereafter, the financial product information registration terminal 140 inputs (or selects) at least one financial product information and financial product providing condition information through the information registration interface (415).

The financial product information is characterized in that it comprises at least one or more information, such as periodic deposits, periodic payments, deposits and other standardized products handled by financial institutions.

The financial product providing condition information may include financial product information providing period information using a messenger according to the present invention, and the financial product information may be a predetermined financial product information providing icon or financial product on the messenger. When the information providing menu is selected, the information may further include information (eg, online entry information) on a specific posting area on a predetermined web page (eg, financial product information providing web page, etc.) to be loaded.

If the financial product information registration terminal 140 receives (or selects) the financial product information and the financial product providing condition information through the information registration interface (420), the financial product information registration terminal 140 is the The financial product information and financial product provision condition information input (or selected) are transmitted to the information registration server 100 through a financial network (425).

Thereafter, the information registration server 100 receives and reads the financial product information, financial product providing condition information and financial product information provider information through the financial network (430), and the financial product information and financial product providing condition information. And the financial product information provider information is linked and stored in a predetermined storage medium 305 (435).

5 is a diagram illustrating a configuration of a financial product information providing system using a messenger according to an exemplary embodiment of the present invention.

In more detail, FIG. 5 illustrates financial product information and finance for providing a financial product information using a messenger to a predetermined storage medium 560 by a predetermined financial product information provider through the financial product information registration system shown in FIG. After registering product providing condition information, at least one or more financial product information registered in the storage medium 560 is provided to the customer messenger terminal 500 equipped with the messenger program 505 through a predetermined messenger server 510. As a configuration of a financial product providing system for those of ordinary skill in the art to which the present invention pertains, various implementations of the financial product information providing system using the messenger are described with reference to FIG. It will be appreciated that the method may be inferred, but the present invention encompasses all implementation methods inferred from the above, Only the method is not limited that technical feature.

For example, those skilled in the art to which the present invention pertains may include a storage medium 560 for storing the financial product information and the financial product providing condition information by referring to and / or modifying the drawing 5 on the financial system. Various financial products that provide financial product information using the messenger when stored in the ledger D / B, stored in a predetermined database associated with the ledger D / B, or provided in the predetermined messenger server 510. It will be possible to infer the configuration of the information providing system, and the present invention is characterized in that it comprises all the implementation methods inferred.

Referring to FIG. 5 according to an embodiment of the present invention, a financial product information providing system for providing financial product information using the messenger includes a messenger terminal 500 having a messenger program 505 used by at least one messenger customer. And a messenger server 510 which provides at least one messenger service (eg, including financial product information providing service) to the messenger customer in connection with a messenger program 505 provided in the messenger terminal 500. It is characterized in that it comprises an information providing server 540 for providing at least one financial product information registered in a predetermined storage medium 560 through the financial product information registration system shown in FIG.

According to the present invention, the messenger member accesses the messenger server 510 through a messenger terminal 500 (not shown) having a predetermined web browser, and at least one financial product through the messenger server 510. Characterized in that the information is provided.

The messenger terminal 500 connects to the messenger server 510 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). At least one desktop computer and / or laptop computer having a messenger program 505 for providing video chat, message exchange, file exchange, mailing, friend search, financial product information, etc.). It is done.

Alternatively, the messenger terminal 500 connects to the messenger server 510 through a network means including a code division multiple access (CDMA) based wireless communication network to provide at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or Global System for Mobile (GSM) with messenger program 505 that provides chat, message exchange, file exchange, mailing, friend search, financial product information, 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 500 is connected to the messenger server 510 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 505 for exchanging files, sending mail, searching friends, providing financial product information, and the like.

In addition, the messenger terminal 500 is connected to the messenger server 510 through a network means including an IEEE 802.11x-based wireless communication network to at least one messenger service (eg, text chat, voice chat, video chat, message exchange). , At least one wireless LAN terminal having a messenger program 505 for exchanging files, sending mail, searching friends, providing financial product information, and the like.

In addition, the messenger terminal 500 is connected to the messenger server 510 via a network means including a DataTAC method of Motorola, or Mobitex method of Erricson, or at least one messenger service (eg, text chat, voice). And at least one wireless data communication terminal having a messenger program 505 for providing chatting, video chatting, message exchange, file exchange, mailing, friend searching, financial product information, etc.).

The messenger server 510 uses at least one messenger service (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, financial product information, etc.) through the messenger terminal 500. The messenger account received from the messenger terminal 500 that executes (or drives) the messenger program 505 in connection with the predetermined member information D / B for the member authentication for providing the member information D / B. And a messenger member authentication unit 520 for authenticating the messenger customer based on the information.

In addition, the messenger member authentication unit 520 accesses the messenger server when specific financial product information associated with specific messenger member account information (or messenger member personal information) is provided from the information providing server shown in FIG. Compare the messenger accounts of the messenger members to confirm the messenger member account information associated with the specific financial product information.

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 510, 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.

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 500 that executes (or drives) the messenger program 505, the messenger member authentication unit 520 is provided. ) 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 certify that a valid messenger customer can receive messages exchange, file exchange, mailing, friend search, financial product information, etc.).

According to the embodiment of the present invention, the messenger member authentication process of the messenger member authentication unit 520 compares the messenger account information received from the messenger terminal 500 with messenger account information provided in the member information D / B. Is preferably performed when the messenger terminal 500 executes (or drives) the messenger program 505 for the first time and logs in to the messenger server 510. Also, the messenger terminal 500 performs the messenger program 500. When at least one non-face-to-face messenger banking request is made through 505, it is preferable to repeatedly perform the messenger banking request.

In addition, when the messenger member authentication through the messenger member authentication unit 520 succeeds, the messenger server 510 provides a messenger program 505 provided in at least one messenger terminal 500 in which the member authentication succeeds. Character messenger, voice chat, image chat, message exchange, file exchange, mail sending, friend search, financial product information provided through at least one messenger management unit 535 for operating to provide a messenger service It is done.

Those skilled in the art to which the present invention pertains, text chat, voice chat, video chat, the messenger operating unit 535 through the messenger program 505 provided in at least one or more messenger terminals 500; You will be familiar with the technical features of operating at least one message service such as message exchange, file exchange, mailing, friend search, financial product information, etc., and thus, detailed description thereof will be omitted for convenience.

Referring to FIG. 5, the messenger server 510 provides a financial product information providing service for providing financial product information using a messenger according to the present invention in connection with the information providing server 540 through a predetermined communication means. It is characterized by comprising a financial product information providing unit 525.

The financial product information providing unit 525 provides the financial product information providing function of the messenger program 505 provided in the messenger terminal 500 when the messenger member authentication through the messenger member authentication unit 520 succeeds. It is characterized by activating.

Here, when a predetermined financial product information icon and / or a financial product information menu are provided in a user interface of the messenger program 505 provided in the messenger terminal 500, the financial product information providing unit 525 may be configured as described above. It is preferable to activate the financial product information icon and / or the financial product information menu in the messenger program 505 included in the messenger terminal 500 in association with the messenger operation unit 535.

In addition, the financial product information providing unit 525 is successful in the messenger member authentication through the messenger member authentication unit 520 (for example, the messenger program 500 is first executed by the messenger terminal 500). Or driving) to log in to the messenger server 510), or when the messenger member selects (or inputs) the financial product information icon and / or the financial product information menu, the selected (or input) financial product information. The financial product information corresponding to the icon and / or the financial product information menu may be extracted from the messenger DB provided in the messenger server 510 and provided to the messenger terminal 500.

Herein, the financial product information provided to the messenger terminal 500 may include financial product information preset by the financial product information provider to correspond to the messenger member account.

In addition, when the messenger member selects (or inputs) the financial product information icon and / or the financial product information menu, the financial product information providing unit 525 generates (or extracts) a predetermined financial product information providing web page. ) To be transmitted to a web browser or the like of the messenger terminal 500 and output.

The information providing server 540 which performs the financial product information providing service for providing the financial product information using the messenger to the messenger customer by interworking with the messenger server 510 is a corresponding finance stored in the storage medium 560. An entry processing unit which checks the financial product information and the financial product providing condition information processed in association with the product information provider information, and determines a period and a location for providing the financial product information corresponding to the identified financial product providing condition information; The financial product information providing service is requested, and the financial product information registration system shown in FIG. 1 provides the information from the financial product information provider that has registered at least one or more financial product information, and the predetermined financial product information providing period and location. A fee processing unit 555 which charges a fee (e.g., entrance fee, etc.) with a predetermined fee; An interface unit for communicating with the messenger operating unit 535 included in the messenger server 510 through a means, or for communicating with the messenger program 505 provided for the messenger terminal 500 through a predetermined network means. 545 and an information providing unit 550 for providing at least one financial product information stored in the storage medium 560 to the messenger server 510 through the information registration system of FIG. 1. do.

The entry processing unit, among the financial product providing condition information stored in association with the financial product information provider information in the storage medium 560, the financial product information providing period information and the financial product information is a predetermined financial product on the messenger When the information providing icon or the financial product information providing menu is selected, information (eg, online entry information, etc.) regarding a specific posting area on a predetermined web page (for example, financial product information providing web page, etc.) to be loaded is checked. The financial product information provider may determine the information providing period and location of the financial product registered through the financial product information registration system of FIG. 1.

The fee processing unit 555 registers at least one financial product information through the financial product information registration system shown in FIG. 1 in order to provide predetermined financial product information to the customer messenger terminal 500 according to the present invention. Characterized by a predetermined fee for the financial product information providing service to the financial product information provider.

For example, the fee charged may be differentially charged according to the period of providing the financial product information, the number of the financial products to be provided through a messenger, the financial product providing web page, and the like, when the information is provided on the web page. It is not limited thereto.

In addition, the fee processing unit 555 automatically transfers the fee amount from the financial product information provider financial account (eg, a fee settlement account, etc.) (eg, from the financial product information provider account to the information providing server 540 account). Transfer processing and the like).

The interface unit 545 receives at least one or more financial product request information from the messenger server 510 or the messenger terminal 500, and / or the finance server to the messenger server 510 or the messenger terminal 500. Those skilled in the art will be familiar with the technical features of connecting and managing financial transaction channels for transmitting financial product information corresponding to the product request information. Omit for convenience.

The information providing unit 550 may log in to the messenger terminal 500 after the messenger terminal 500 logs in to the messenger server 510 according to a request of the messenger server 510 or the messenger terminal 500. At least one financial product information to be provided is characterized in that provided to the messenger server 510 (or messenger terminal 500).

6 is a diagram illustrating a financial product information providing process using a messenger according to an embodiment of the present invention.

In more detail, FIG. 6 illustrates financial product information and finance for providing a financial product information using a messenger to a predetermined storage medium 560 by a predetermined financial product information provider through the financial product information registration system shown in FIG. After registering the product providing condition information, the messenger program 505 displays at least one or more financial product information registered in the storage medium 560 through a predetermined messenger server 510 through the information providing system shown in FIG. As a process for providing financial product information for providing to the provided customer messenger terminal 500, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the present invention to modify the messenger. Various implementation methods for the process of providing financial product information may be inferred, but the present invention includes all implementation methods inferred from the above. Is made, the technical features are not limited only with the exemplary method shown in the figure 6.

Referring to FIG. 6, the information providing server 540 shown in FIG. 5 confirms (or extracts) the financial product information and the financial product providing condition information stored in the storage medium 560 in association with the financial product information provider. In operation 600, a financial product providing period and a financial product providing (publishing) location (such as an online entry location on a webpage) are determined based on the confirmed (or extracted) financial product providing condition information (605).

The information providing server 540 charges and processes an entry fee for providing financial product information using a messenger of the financial product information provider (610), and provides financial product information (financial product provision (or Post) (including location information) to the messenger server 510 (615), the messenger server 510 receives the financial product information and stores it in a predetermined database provided in the messenger server 510 ( 620).

Thereafter, at least one messenger customer accesses the messenger server 510 through a predetermined messenger terminal 500 to perform a login procedure (625), and successfully logs in the messenger (630), and the messenger terminal 500 In step 635, the messenger server 510 extracts (or generates) a web page including the financial product information stored in the database. In operation 640, the extracted (or generated) web page including the financial product information is transmitted to the web browser of the messenger terminal 500 (645), and the messenger terminal 500 includes the transmitted web product information web page. By outputting the information through a web browser, at least one financial product information registered by the financial product information provider is provided to the messenger customer (650).

According to an embodiment of the present invention, in the process of extracting (or generating) a web page including the financial product information, it is preferable to refer to the financial product providing (or posting) location information registered by the financial product information provider.

In addition, according to another exemplary embodiment of the present invention, the messenger server 510 may extract or generate a web page including the financial product information provided to the messenger client terminal 500 which has successfully logged in or the financial product. In the process of extracting (or generating) a webpage including the information, if the specific financial product information associated with the logged-in customer messenger account exists, and if the specific financial product information associated with the customer messenger account exists, A web page including specific financial product information is extracted (or generated) and provided to the messenger customer terminal 500.

Hereinafter, an embodiment of the present invention provides a financial product information and a financial product for providing a financial product information using a messenger to a predetermined storage medium 560 through a predetermined financial product information provider through the financial product information registration system shown in FIG. After registering the offer condition information, the messenger program 505 is configured to transmit at least one or more financial product information registered in the storage medium 560 through a predetermined messenger server 510 through the information providing system shown in FIG. After providing the provided customer messenger terminal 500, the messenger terminal 500 is an embodiment of a system and method for subscribing the provided financial product on the basis of messenger banking.

7 is a diagram illustrating a face-to-face messenger banking information registration system for subscribing to a financial product using a messenger according to an embodiment of the present invention.

In more detail, Figure 7 is a messenger banking information registration system for a given customer through a predetermined information registration interface, and the banking messenger information, messenger account information, messenger linked account information, and the like to subscribe to a financial product using a messenger according to the present invention; When the messenger banking information including at least one customer information is provided, the messenger banking information registration system links and processes the banking messenger information, the messenger account information, the messenger account information and the customer information included in the messenger banking information provided. As a system configuration for storing in a predetermined storage medium 730, those of ordinary skill in the art to which the present invention pertains, refer to and / or modify the drawing 7 for subscription to financial products using a messenger Various implementation methods for messenger banking information registration system It may be inferred from the law, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means and / or functional configuration for storing the messenger banking information provided from the customer in the storage medium 730 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 700 " for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a messenger banking information registration system for subscribing to a financial product using a messenger according to the present invention includes a teller terminal 745 provided at at least one branch of a financial institution. Characterized in that it comprises an information registration terminal 740, the information registration terminal 740 is connected to the communication channel and the information registration server 700 provided on the messenger banking information registration system through a predetermined financial network do.

According to an embodiment of the present invention, the customer visits the financial institution branch to subscribe to the financial product using the messenger according to the present invention, and through a window provided at the financial institution branch (or through a teller). After filling out a prescribed application form (e.g., a document with a form for filling in at least one item of information for joining a financial product using a messenger), and submitting the completed application form to the clerk The clerk enters (or selects) the information written in the application through a predetermined teller terminal 745, and the teller terminal 745 sends the input (or select) the information through the financial network. It is preferable to transmit to the information registration server 700 provided on the messenger banking information registration system.

Here, the teller terminal 745 preferably comprises an administrator terminal used by the teller staff provided at the financial institution branch, the information registration server 700 connected to the teller terminal 745 is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network connecting the teller terminal 745 and the information registration server 700 is the communication between the teller terminal 745 and the information registration server 700 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 745 used by the teller staff, and a financial network connecting the teller terminal 745 to the information registration server 700 are provided. The customer performs a function of an information registration interface for registering messenger banking information for subscription to a financial product using a messenger according to the present invention.

The storage medium 730 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 740. And storing the information and the customer information in a predetermined storage medium 730, and storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 730. Messenger banking information including one or more is used for subscription to financial products 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 735 information corresponding to an instant messenger (or P2P program) providing a financial product subscription 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 the financial product subscription service using the messenger, the MSN messenger of the Microsoft company, and the financial messenger subscription service using the messenger. It includes at least one information that can be confirmed that the messenger server 735 associated with a predetermined financial system is the MSN messenger server 735.

The messenger account information corresponds to a messenger server corresponding to information of the messenger server 735 included in the messenger information for banking so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered at 735, 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 in the name of the customer providing a financial product subscription service using a messenger according to the present invention, and the messenger linked account information includes a financial product subscription 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 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 payment 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 OTP (One Time Password) generator information is preferably included.

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

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 payment 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 730 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 730 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, thereby the present invention is not limited.

According to another embodiment of the present invention, the storage medium 730 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 700 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 740 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 740 is a window terminal 745 connected to a predetermined financial network, the information registration server 700 is the window terminal 745 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 700 is provided with an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal 740 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 740 is a window terminal 745 connected to a predetermined financial network, the interface unit 705 is based on the protocol stack defined in the financial network. It connects a window terminal 745 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 745. It is desirable to.

Referring to FIG. 7, the information registration server 700 interworks with the interface unit 705 when a predetermined information registration terminal 740 is connected to the information registration server 700 through the interface unit 705. Interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 740 to the information registration terminal 740. And an information acceptor 715 for receiving predetermined messenger banking information transmitted from the information registration terminal 740 through the user interface and transmitted in connection with the interface unit 705. Validation unit 725 for checking the validity of the received messenger banking information, the messenger banking information and messenger account information and the messenger information included in the messenger banking information is validated And an information storage unit 720 for storing the linked account information and the customer information in a predetermined storage medium 730.

The interface providing unit 710 corresponds to a functional configuration provided in the information registration terminal 740 when a predetermined information registration terminal 740 is connected to the information registration server 700 through the interface unit 705. Generate (or select) the messenger banking information to generate a predetermined user interface that can be transmitted to the information registration server 700 through the financial network, and / or extract from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 705 to the information registration terminal 740 through the financial network.

Thereafter, the information registration terminal 740 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 700 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 740 is a window terminal 745 connected to a predetermined financial network, the interface providing unit 710 is a financial transaction provided in the window terminal 745. It is preferable to generate (or extract) a predetermined user interface that can be provided by a related program, and provide the generated (or extracted) user interface to the window terminal 745 through the interface unit 705.

The information receiving unit 715 inputs (or selects) messenger banking information including at least one of messenger information for banking, messenger account information, messenger linked account information, and customer information through the user interface at the information registration terminal 740. In the case of transmitting through the financial network, the messenger banking information is received in association with the interface unit 705 and the received messenger banking information is provided to the validity checking unit 725.

The validity confirming unit 725 is configured to check whether the messenger banking information received from the information registration terminal 740 satisfies the validity for subscription to a non-face-to-face financial product using a messenger.

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

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

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that a check is made, including checking whether a function for providing a non-face-to-face financial product subscription service using a messenger is provided.

In addition, the verification of the validity of the messenger banking information, the messenger bank 735 according to the present invention by the messenger server 735 with reference to the messenger server 735 information corresponding to the banking messenger information included in the messenger banking information; It is preferable to include a check to determine whether or not a messenger server 735 associated with the messenger banking system to provide a non-face-to-face financial product subscription service using a 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 735 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 735.

For example, the validity checker 725 provides the messenger account information included in the messenger banking information to the messenger server 735 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 735.

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face financial product subscription service using the messenger linked account information and the messenger included in the messenger banking information In comparison with the above, it is preferable that the messenger linked account information includes checking whether the messenger linked account information that can provide a non-face-to-face financial product subscription service using the messenger.

In addition, the verification of the validity 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 non-face-to-face financial product subscription using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system providing the service, to confirm whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face financial product subscription service using the messenger It is preferable to make it.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face financial product subscription service using the messenger, Preferably, the financial transaction authentication information includes verifying whether the non-face-to-face financial product authentication 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 provides confidentiality, authentication, integrity, and non-repudiation to provide non-face-to-face financial product subscription 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 720 associates the banking messenger information, the messenger account information, the messenger account information, and the messenger link account information and the customer information included in the messenger banking information to the storage medium ( And the storage medium 730 is provided in the information registration server 700 or provided on the network associated with the information registration server 700. 720 preferably stores and stores the banking messenger information included in the received messenger banking information, messenger account information, messenger linked account information, and customer information in the storage medium 730 in the storage medium 730. ) Is provided in the DBMS provided on the financial system, the information storage unit 720 is a banking messenger information and a message included in the received messenger banking information Providing the account information associated with the IM account information and customer information to Step information through the FEP system on the financial system and is preferably stored in a DBMS provided on the financial system.

FIG. 8 is a diagram illustrating the configuration of messenger banking information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to subscribe to a non-face-to-face financial product using a messenger according to an embodiment of the present invention.

In more detail, in FIG. 8, when the storage medium 730 illustrated in FIG. 7 is the ledger D / B provided in the DBMS on the financial system, the banking messenger information and the messenger information for the banking are included in the ledger information provided in the ledger D / B. Figure 1 shows an information structure for an implementation method in which messenger banking information including messenger account information, messenger linked account information, and customer information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying 8, various information construction methods for storing the messenger banking information in the ledger D / B may be inferred, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited only to the implemented method.

Referring to FIG. 8 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined ledger and an account ledger associated with the ledger (eg, a ledger ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 8, the messenger banking information provided through the messenger banking information registration system shown in FIG. 7 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 735 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It comprises at least one information that can be confirmed that the messenger server 735 associated with a predetermined financial system to provide a MSN messenger server 735 to provide a.

The messenger account information corresponds to a messenger server corresponding to information of the messenger server 735 included in the messenger information for banking so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered at 735, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

Referring to FIG. 8 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. (735) 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.

9 is a diagram illustrating the configuration of messenger banking information stored in a database associated with the ledger D / B 900 provided in a DBMS on a financial system in a face-to-face manner in order to subscribe to a non-face-to-face financial product using a messenger according to another embodiment of the present invention Figure is shown.

In more detail, FIG. 9 illustrates an embodiment of the method in which the storage medium 730 illustrated in FIG. 7 is stored in a predetermined database linked to the ledger D / B 900 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify this drawing to associate the messenger banking information with the ledger D / B 900 in a predetermined database. It can be inferred from the various information configuration method to store, but the present invention includes all the implementation method inferred, it is not limited to the implementation method shown in FIG.

In particular, in FIG. 9, when it is not easy to store the messenger banking information in the ledger information of the ledger D / B 900 on the DBMS provided on the financial system (for example, in the policy of a financial institution, the ledger D of the DBMS) / B (900) is not easy to change, or the system is not easy to expand the system due to the nature of the financial system), the messenger banking information is stored in a predetermined database instead of the ledger D / B 900, and The implementation method of linking and storing a database and the ledger D / B 900 is illustrated.

In addition, the database shown in FIG. 9 does not have to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 9, and a 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. 9, the database stores and stores banking messenger information, messenger account information, messenger linked account information, and customer information included in the messenger banking information, and the messenger banking information is stored in the ledger. Preferably, the messenger banking information further includes a CIF number corresponding to the ledger information to be linked to the D / B 900.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 735 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It comprises at least one information that can be confirmed that the messenger server 735 associated with a predetermined financial system to provide a MSN messenger server 735 to provide a.

The messenger account information corresponds to a messenger server corresponding to the messenger server 735 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 the messenger ID information registered at 735, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited by this.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

Referring to FIG. 9 according to an embodiment of the present invention, the messenger banking information stored in a predetermined database linked to the ledger D / B 900 included in the DBMS on the financial system corresponds to the messenger information for banking. Including messenger operator information, messenger program information, messenger server 735 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 (900), the customer information is the ledger This is because it is already included in the customer ledger provided in the D / B 900.

FIG. 10 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 to subscribe to a non-face-to-face financial product using a messenger according to another exemplary embodiment of the present invention.

More specifically, FIG. 10 shows that the storage medium 730 shown in FIG. 7 is a messenger banking system, and / or an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. One embodiment is provided in the DBMS provided in a predetermined banking server provided on the above, if one of ordinary skill in the art to which the present invention belongs, at least one by referring to and / or modified in this figure 10 The method of constructing information on the messenger banking information stored in a predetermined DBMS provided in the banking server may be inferred. However, the present invention includes all the inferred implementation methods, and the implementation method illustrated in FIG. It is not limited.

Referring to FIG. 10, a predetermined DBMS provided in the banking server may store and store banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 735 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger. It comprises at least one information that can be confirmed that the messenger server 735 associated with a predetermined financial system to provide a MSN messenger server 735 to provide a.

The messenger account information corresponds to a messenger server corresponding to information of the messenger server 735 included in the messenger information for banking so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered at 735, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

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

In more detail, in FIG. 11, the information registration server 700 on the messenger banking information registration system shown in FIG. 7 functions as a ledger server (not shown) on the financial system linked to the counter terminal 745 through a predetermined financial network. In this case, the window terminal 745 is connected to the information registration server 700 to connect a communication channel for registering 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 700, the banking included in the received messenger banking information is received by the information registration server 700. The present invention relates to an implementation method for linking and processing messenger information, messenger account information, messenger linked account information, and customer information in a predetermined storage medium 905. For those of ordinary skill in the art to which the present invention pertains, the messenger banking information is registered with the information registration server 700 in the window terminal 745 by referring to and / or modifying the drawing 11. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 11, the window terminal 745 shown in FIG. 7 is called "terminal" for convenience, and the information registration server 700 shown in FIG. 7 is called "server" for convenience, and the window terminal ( The banking messenger information, the messenger account information, the messenger linked account information, and the customer information transmitted from the 745 to the information registration server 700 are referred to as "messenger banking information" for convenience.

Referring to FIG. 11, the window terminal 745 shown in FIG. 7 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the messenger banking information, and uses the messenger to access the server. When requesting to register the messenger banking information for face-to-face financial product subscription (1100), the server generates (or extracts) a predetermined information registration interface for registering the messenger banking information (1105) and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1110).

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

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

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 735 information corresponding to an instant messenger (or P2P program) that provides a non-face-to-face payment service using a messenger according to the present invention. Characterized in that made.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It comprises at least one information that can be confirmed that the messenger server 735 associated with a predetermined financial system to provide a MSN messenger server 735 to provide a.

The messenger account information corresponds to a messenger server corresponding to the messenger server 735 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 the messenger ID information registered at 735, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited by this.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) 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 (1120), the terminal is connected to the financial network. In operation 1125, the banking messenger information including the banking messenger information, the messenger account information, the messenger account information, and the customer information is input to the server.

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the financial network to check the validity of the messenger banking information (1130).

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 900 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

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

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that a check is made, including checking whether a function for providing a non-face-to-face financial product subscription service using a messenger is provided.

In addition, the verification of the validity of the messenger banking information, the messenger bank 735 according to the present invention by the messenger server 735 with reference to the messenger server 735 information corresponding to the banking messenger information included in the messenger banking information; It is preferable to include a check to determine whether or not a messenger server 735 associated with the messenger banking system to provide a non-face-to-face financial product subscription service using a 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 735 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 735.

For example, the validity checker 725 provides the messenger account information included in the messenger banking information to the messenger server 735 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 735.

In addition, the validity of the messenger banking information is provided in the ledger D / B (900) on the financial system that provides a non-face-to-face financial product subscription service using the messenger linked account information and the messenger included in the messenger banking information. Comparing the account ledger, it is preferable that the messenger-linked account information is confirmed to include valid messenger-linked account information that can provide a non-face-to-face financial product subscription service using the messenger.

In addition, the verification of the validity 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 non-face-to-face financial product subscription using the messenger By comparing the customer ledger provided in the ledger D / B (900) on the financial system that provides a service, to confirm that the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face financial product subscription service using the messenger It is preferable that it consists of including.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information and the non-face-to-face financial transaction authentication information provided in the ledger D / B (900) on the financial system that provides a non-face-to-face financial product subscription service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

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

According to another exemplary embodiment of the present invention, when the customer does not subscribe to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity of the messenger banking information is determined by the messenger banking. Non-face-to-face financial transaction authentication information for messenger banking corresponding to customer information included in the information provides confidentiality, authentication, integrity, and non-repudiation to provide non-face-to-face financial product subscription 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.

If the validity of the messenger banking information is not authenticated (1135), the server generates predetermined information registration error information and transmits it to the terminal (1140), 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 (1135), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. Cooperative processing is performed to store in a predetermined storage medium 905 (1145).

According to an embodiment of the present invention, the storage medium 905 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 905 may be a ledger D / B (900) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (900), thereby the invention This is not limited.

According to another embodiment of the invention, the storage medium 905 is at least one non-face-to-face banking system (e.g., Internet banking system, and / or tele) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1150), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

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

In more detail, Figure 12 is a banking information registration system for a predetermined customer through a predetermined information registration interface to the banking messenger information and messenger account information and messenger linked account for the non-face-to-face financial product subscription using the messenger according to the present invention When the messenger banking information including at least one information and customer information is provided, the messenger banking information, the messenger account information, the messenger linked account information and the customer information included in the messenger banking information provided in the messenger banking information registration system may be used. To a predetermined storage medium (1230) and stored in a predetermined storage medium, and those skilled in the art to which the present invention belongs, non-face-to-face using a messenger by referring to and / or modified in the present To configure the messenger banking information registration system for financial products subscription Would be able to infer the various exemplary methods, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 12.

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

Referring to FIG. 12 according to an embodiment of the present invention, a messenger banking information registration system for subscribing non-face-to-face financial products using a messenger according to the present invention includes at least one wired terminal and / or a wireless terminal used by a customer. And an information registration terminal 1240 including at least one client terminal or the like, wherein the information registration terminal 1240 includes information provided on the messenger banking information registration system through a predetermined network means. The communication channel is connected to the registration server 1200.

According to an embodiment of the present invention, the customer accesses the information registration server 1200 through at least one or more client terminals of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. When the messenger banking information for non-face-to-face financial product subscription using the messenger according to the present invention is input (or selected) through at least one user interface provided by the information registration server 1200, a predetermined network means is provided at the client terminal. It is preferable to transmit to the information registration server 1200 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.

Also, the information registration server 1200 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 1200 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 It is preferable to include any one of Mobitex-based wireless data communication networks and / or to 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 or more user interfaces provided by the information registration server 1200, and inputs and / or selects at least one or more information through the user interface to the information registration server 1200. 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 1200, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals 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 1200. The network and / or the wireless network performs a function of an information registration interface for registering the customer's messenger banking information for the non-face-to-face financial product subscription using the messenger according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 1240 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. A wired telephone network such as a financial automatic device (not shown) further including a cash dispenser (CD), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the mobile telephone network, and / or a predetermined call terminal (not shown) connected to a mobile telephone network, such as a wireless VoIP network, and / or Terminals (and / or servers) (not shown) provided in at least one or more institutions affiliated with the financial institution may be further included, whereby the present invention is not limited.

In the messenger banking information registration system as described above, when the information registration terminal 1240 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 1200 performs a function of an information registration interface for registering the messenger banking information for the non-face-to-face financial product subscription using the messenger according to the present invention, and / or registering the information. When the terminal 1240 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 1200 may be used. Perform a function of an information registration interface for a customer to register messenger banking information for subscription to a non-face-to-face financial product using a messenger according to the present invention, and / or In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the information registration terminal 1240 (not shown), the terminal (and / or server) (not shown) and the terminal (and / Or a server) (not shown) and the information registration server 1200 perform a function of an information registration interface for registering the messenger banking information for the non-face-to-face financial product subscription using the messenger according to the present invention. Conduct.

The storage medium 1230 provided on the messenger banking information registration system according to the present invention includes the messenger banking information, the messenger account information, and the messenger association account included in the messenger banking information provided from the information registration terminal 1240. And storing the banking messenger information, the messenger account information, the messenger linked account information, and the customer information stored in the storage medium 1230 in a predetermined storage medium 1230. Messenger banking information including one or more is used for non-face-to-face financial product subscription using the messenger according to the present invention.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. Characterized in that it comprises a phase.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

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

According to another exemplary embodiment of the present invention, the storage medium 1230 may include at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on (or associated with) the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

The information registration server 1200 provided on the messenger banking information registration system according to the present invention is a generic term for the components of the messenger banking information registration system side connected to the information registration terminal 1240 through a predetermined network means. It may be implemented by including at least one server (or device), and / or at least one or more programs recorded on a recording medium provided to a predetermined server (or device), and the present invention is not limited thereto. .

According to an embodiment of the present invention, when the information registration terminal 1240 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 1200. 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 1240 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 1200 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. Or a server (or device) provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 1200 may perform 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. You are good.

According to another embodiment of the present invention, when the information registration terminal 1240 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the information registration server 1200 is A predetermined TV banking server provided on the TV banking system, and / or a program provided in the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a 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 1200 is provided with an interface unit 1205 for connecting and managing a predetermined communication channel with the information registration terminal 1240 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 1240 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 1205 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 a Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1205 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTPP protocol defined in the browser program, a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 1200, the interface unit 1205 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 1240 is a financial automation device connected to a predetermined financial network, the interface unit 1205 may perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the information registration terminal 1240 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface unit 1205 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 the client terminal is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1205 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 1200, the interface unit 1205 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 1240 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 1205 may be connected to the wired telephone network and / or. Alternatively, it is preferable to connect the call 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 1205 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or provides a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1205 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. 12, the information registration server 1200 is connected to the interface 1205 when a predetermined information registration terminal 1240 is connected to the information registration server 1200 through the interface 1205. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined messenger banking information from the information registration terminal 1240 to the information registration terminal 1240. 1210, an information receiving unit 1215 that receives predetermined messenger banking information transmitted from the information registration terminal 1240 through the user interface (or selected) in association with the interface unit 1205, and The banking messenger information, the messenger account information, the messenger association account information, and the customer information included in the received messenger banking information are cooperatively processed and stored in a predetermined storage medium 1230. An information storage unit 1220 is provided.

The interface providing unit 1210 corresponds to a functional configuration provided in the information registration terminal 1240 when a predetermined information registration terminal 1240 is connected to the information registration server 1200 through the interface unit 1205. Generate (or select) the messenger banking information and transmit it to the information registration server 1200 via the network means, and / or extract from a predetermined database (not shown), The user interface generated in conjunction with the interface unit 1205 may be provided to the information registration terminal 1240 through the network means.

Thereafter, the information registration terminal 1240 inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information based on the user interface. The input (or selected) messenger banking information is transmitted to the information registration server 1200 through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1240 is a 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 1210. Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 1205. It is preferable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a financial automation device connected to a predetermined financial network, the interface providing unit 1210 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 1205.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a client terminal including a wireless terminal connected to a predetermined wireless network, the interface providing unit 1210 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 1205.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 1210 may include the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 1205 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 1240 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface provider 1210 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 1205. .

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

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

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

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

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that a check is made, including checking whether a function for providing a non-face-to-face financial product subscription service using a messenger is provided.

In addition, to check the validity of the messenger banking information, the messenger server 1235 according to the present invention is referred to by the messenger server 1235 according to the present invention with reference to the messenger server 1235 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 1235 associated with the messenger banking system to provide a non-face-to-face financial product subscription 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 1235 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 1235.

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

In addition, the validation of the messenger banking information, the account ledger provided in the ledger D / B on the financial system that provides the non-face-to-face financial product subscription service using the messenger linked account information and the messenger included in the messenger banking information In comparison with the above, it is preferable that the messenger linked account information includes checking whether the messenger linked account information that can provide a non-face-to-face financial product subscription service using the messenger.

In addition, the verification of the validity 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 non-face-to-face financial product subscription using the messenger Comparing the customer ledger provided in the ledger D / B on the financial system providing the service, to confirm whether the customer corresponding to the customer information is a valid customer that can provide a non-face-to-face financial product subscription service using the messenger It is preferable to make it.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the customer information included with the non-face-to-face financial transaction authentication information provided in the ledger D / B on the financial system that provides a non-face-to-face financial product subscription service using the messenger, Preferably, the financial transaction authentication information includes verifying whether the non-face-to-face financial product authentication 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 is required to provide confidentiality, authentication, integrity, and denial to provide non-face-to-face financial product subscription 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 1220 associates the banking messenger information, the messenger account information, the messenger account information and the customer information included in the messenger banking information with the storage medium ( 1230, and when the storage medium 1230 is provided in the information registration server 1200 or on the network associated with the information registration server 1200, the information storage unit ( The 1220 may be configured to process the banking messenger information, the messenger account information, the messenger account information, and the messenger linked account information and the customer information included in the received messenger banking information in the storage medium 1230, and to store the messenger banking information in the storage medium 1230. ) Is provided in the DBMS provided on the financial system, the information storage unit 1220 is the banking messenger information included in the received messenger banking information An instant messaging account information and associated account information and the customer information messenger through the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

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

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

Referring to FIG. 13 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, a reception ledger). , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience.

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

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

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

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

Referring to FIG. 13, the messenger banking information provided through the messenger banking information registration system shown in FIG. 12 is stored in the form of additional information added to the account ledger, and the messenger banking information is the messenger banking information. And at least one messenger account information, messenger linked account information, and customer information.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. It characterized in that it comprises an account number that provides a financial product subscription service, according to the embodiment of the present invention the messenger linked account information is the account number and account password and the bank code and / or branch code opened the account It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

Referring to FIG. 13 according to the embodiment of the present invention, the messenger banking information stored in the form of additional information added to the account ledger includes messenger operator information corresponding to the banking messenger information, messenger program information, and a messenger server. (1235) information, including messenger ID information and messenger password corresponding to the messenger account information, and an account number for linking and processing the messenger banking information with the account ledger, which is the messenger banking. Since the messenger linked account information included in the information is included in the account ledger provided in the ledger D / B, and the customer information is included in the customer ledger provided in the ledger D / B. to be.

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

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

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

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

In addition, the database shown in FIG. 14 need not be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 14, and the database on the messenger banking system, and / or according to the intention of a person skilled in the art. It may be configured in the form of a database on an Internet banking system, and / or a database on a telebanking system, and / or a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 14, the database may store and store banking messenger information, messenger account information, messenger link account information, and customer information included in the messenger banking information, wherein the messenger banking information is stored in the ledger. Preferably, the IM banking information further includes a CIF number corresponding to the ledger information in order to be linked to the D / B 1400.

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for a non-face-to-face financial product subscription service using a messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

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

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

More specifically, FIG. 15 shows that the storage medium 1230 shown in FIG. 12 is a messenger banking system, and / or an internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. The present invention relates to a method provided in a DBMS provided in a predetermined banking server. If one of ordinary skill in the art to which the present invention pertains is referred to, and / or modified with reference to FIG. The method of constructing the information on the messenger banking information stored in the 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. 15, a predetermined DBMS provided in the banking server may store and store banking messenger information, messenger account information, messenger account information, and customer information included in the messenger banking information in association. .

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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 to which the customer subscribes. Preferably, the non-face-to-face financial transaction authentication information is included.

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. It is preferable to include at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or OTP (One Time Password) generator information.

FIG. 16 illustrates a process of registering messenger banking information in a non-face-to-face manner to subscribe to a non-face-to-face financial product using a messenger according to an embodiment of the present invention.

In more detail, FIG. 16 illustrates a case where the information registration server 1200 on the messenger banking information registration system shown in FIG. 12 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 1200 and connecting a communication channel for registering messenger banking information according to the present invention, the messenger information for banking and messenger account information to the information registration server 1200 through the communication channel. And the messenger banking information including messenger linked account information and customer information, the banking messenger information, messenger account information and messenger linked account information included in the received messenger banking information from the information registration server 1200; An embodiment of the present invention relates to a method of linking and storing customer information in a predetermined storage medium 1405. Those skilled in the art can infer various implementation methods for registering the messenger banking information from the client terminal to the information registration server 1200 by referring to and / or modifying the drawing 16. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the client terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the information registration server 1200 shown in FIG. 12 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, and the customer information transmitted to the server 1200 are referred to as "messenger banking information" for convenience.

Referring to FIG. 16, when the client terminal shown in FIG. 12 is a predetermined network means (eg, the client terminal is a wired terminal 1250), a TCP / IP based wired communication network, and the client terminal is a wireless terminal 1245. Is connected to the server through a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet, etc., to connect a predetermined communication channel for registering the messenger banking information, and to use a non-face-to-face financial product using the messenger. When requesting to register the messenger banking information for subscription (1600), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the messenger banking information (1605), and establishes the communication channel. The generated (or extracted) web page is transmitted to the terminal and output (1610).

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

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

Thereafter, the terminal inputs (or selects) at least one messenger banking information including at least one banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (1615).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name providing a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-face-to-face using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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

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

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

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

If the terminal receives (or selects) messenger banking information including the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1620), the terminal receives the communication channel. In operation 1625, the inputted (or selected) banking messenger information, messenger account information, messenger association account information, and customer information are transmitted to the server.

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

Thereafter, the server receives and reads the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the communication channel to confirm the validity of the messenger banking information (1630).

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

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 1400 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

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

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that a check is made, including checking whether a function for providing a non-face-to-face financial product subscription service using a messenger is provided.

In addition, to check the validity of the messenger banking information, the messenger server 1235 according to the present invention is referred to by the messenger server 1235 according to the present invention with reference to the messenger server 1235 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 1235 associated with the messenger banking system to provide a non-face-to-face financial product subscription 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 1235 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 1235.

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

In addition, the validation of the messenger banking information is provided in the ledger D / B 1400 on the financial system that provides the non-face-to-face financial product subscription service using the messenger linked account information included in the messenger banking information and the messenger. Comparing the account ledger, it is preferable that the messenger-linked account information is confirmed to include valid messenger-linked account information that can provide a non-face-to-face financial product subscription service using the messenger.

In addition, the verification of the validity 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 non-face-to-face financial product subscription using the messenger By comparing the customer ledgers provided in the ledger D / B 1400 on the financial system providing the service, confirming that the customer corresponding to the customer information is a valid customer who can provide the non-face-to-face financial product subscription service using the messenger. It is preferable that it consists of including.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information with the non-face-to-face financial transaction authentication information provided in the ledger D / B (1400) on the financial system that provides a non-face-to-face financial product subscription service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

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 provides confidentiality, authentication, integrity, and non-repudiation to provide non-face-to-face financial product subscription 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.

If the validity of the messenger banking information is not authenticated (1635), the server generates and transmits a web page including predetermined information registration error information to the terminal (1640), and information corresponding to the messenger banking information. Do not perform the registration process.

On the other hand, if the validity of the messenger banking information is authenticated (1635), the server performs an information registration procedure corresponding to the messenger banking information, thereby providing the banking messenger information, messenger account information, messenger linked account information, and customer information. In operation 1645, the data is stored in a predetermined storage medium 1405.

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

According to another method of the present invention, the storage medium 1405 is provided with (or associated with) at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (1650), thereby completing the procedure of registering the messenger banking information transmitted from the terminal.

17A and 17B illustrate a process of registering messenger banking information in a non-face-to-face manner to subscribe to a non-face-to-face financial product using a messenger according to another exemplary embodiment of the present invention.

In more detail, FIGS. 17A and 17B illustrate a case in which the messenger banking information registration system illustrated in FIG. 12 is implemented 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 sends predetermined messenger banking information for the non-face-to-face financial product subscription using the messenger to the Internet banking server. When the messenger banking information including the banking messenger information, messenger account information, messenger linked account information, and customer information is transmitted, the messenger information for banking included in the received messenger banking information is received from the information registration server 1200; Link messenger account information with messenger linked account information and customer information The present invention relates to a method of storing the information in a predetermined storage medium 1405. Those skilled in the art may refer to and / or modify the drawings 17a and 17b to provide the information in the client terminal. Although various implementation methods for registering the messenger banking information with the registration server 1200 may be inferred, the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 17A and 17B. No.

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. 17A and 17B. 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. 17a and 17b. 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 modify the Internet banking-based financial transaction channel connection method shown in Figures 17a and 17b, 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 kinds of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or non-face-to-face channel banking systems proposed in the future. It is by no means limited to the case of Internet banking shown in 17b.

17A and 17B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the information registration server 1200 is referred to as " server "

17A and 17B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1700a), the server communicates between the terminal and the server through the browser. (1705a), wherein a communication channel is generated (or extracted) by a request of a browser program provided to the client terminal in the server and transmitted to the client terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (1710a).

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

If a predetermined security module is to be installed and / or updated in the terminal (1715a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (1720a).

If the terminal does not need to install and / or update the latest version of the security module for internet banking (1725a), or if the terminal does not need to install and / or update the security module for internet banking (1715a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (1730a), where the security for Internet banking A channel is attached to a predetermined electronic 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 provided from the server to the terminal. And / or provided by encrypting with an encryption algorithm, the terminal to verify the digital signature and / or the encryption scheme (and / or encryption) Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decryption algorithm) corresponding to the algorithm), and the information to be provided to the server for registering the messenger banking information in the terminal. Or a predetermined electronic signature to the data) and / or encrypted and transmitted with at least one or more encryption schemes (and / or encryption algorithms), the server verifies the digital signature and / or the encryption scheme (and / or Or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

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 (1735a).

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 (1740a), the server (and / or authentication server) authenticates the customer connected via the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal (1745a).

If the Internet banking customer authentication fails (1750a), the server blocks the Internet banking security channel for the terminal (1755a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1750a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (1760a), 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 financial product subscription 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 (1700b), the server provides a predetermined number for registering the messenger banking information. A web page corresponding to the information registration interface is generated (or extracted) (1705b), and the generated (or extracted) web page is transmitted to the terminal and output through the internet banking-based financial transaction channel (1710b).

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

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

Thereafter, the terminal inputs (or selects) messenger banking information including at least one of the banking messenger information, the messenger account information, the messenger linked account information, and the customer information through the information registration interface (1715b).

The banking messenger information includes at least one messenger operator information, messenger program information, and messenger server 1235 information corresponding to an instant messenger (or P2P program) providing a non-face-to-face financial product subscription service using a messenger according to the present invention. It is characterized by comprising.

For example, the banking messenger information is an instant messenger (or P2P program) used by the customer for a non-face-to-face financial product subscription service using the messenger, the MSN messenger of Microsoft Corporation, and a non-face-to-face financial product subscription service using the messenger. It includes at least one or more information that can be confirmed that the messenger server 1235 that is associated with a predetermined financial system to provide a MSN messenger server 1235 to provide.

The messenger account information corresponds to a messenger server corresponding to the messenger server 1235 information included in the banking messenger information so that the customer receives at least one messenger service through a messenger program corresponding to the messenger information for banking; And the messenger ID information registered in 1235, wherein the messenger account information may further include the messenger ID information and a messenger password corresponding to the ID. The present invention is not limited.

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

The messenger linked account information includes financial account information of the customer's name that provides a non-face-to-face financial product subscription service using a messenger according to the present invention, wherein the messenger linked account information is non-faceted using the messenger. In accordance with an embodiment of the present invention, the messenger linked account information includes the account number, the account password, and the bank code and / or branch code in which the account is opened. It is possible to further comprise, and the like, by which the present invention is not limited.

The customer information includes customer personal information (eg, customer name, social security number, address, contact information, etc.) corresponding to the customer registering the messenger banking information for the non-face-to-face financial product subscription service using the messenger according to the present invention. Characterized in that made.

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 OTP (One Time Password) generator information is preferably included.

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

For example, when the customer does not subscribe to at least one non-face-to-face banking system operated by the financial system in which the messenger linked account is opened, the non-face-to-face financial transaction authentication information is a messenger for non-face-to-face financial product subscription using the messenger. Preferably, the bank comprises at least one ID / PW information for banking and / or authorized certificate information and / or security card information and / or one time password (OTP) generator information.

If the terminal receives (or selects) messenger banking information including the banking messenger information, messenger account information, messenger linked account information, and customer information through the information registration interface (1720b), the terminal performs the financial transaction. The input (or selected) messenger banking information is transmitted to the server through a channel (1725b).

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 (1730b).

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

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

According to an embodiment of the present invention, the validity of the messenger banking information is determined by at least one ledger information matching the messenger banking information in the ledger D / B 1400 on the financial system associated with the messenger banking information registration system. It is preferable to include checking whether it is registered.

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

In addition, the verification of the validity of the messenger banking information, with reference to the messenger program information corresponding to the banking messenger information included in the messenger banking information, the messenger program based on the messenger banking system according to the present invention It is preferable that a check is made, including checking whether a function for providing a non-face-to-face financial product subscription service using a messenger is provided.

In addition, to check the validity of the messenger banking information, the messenger server 1235 according to the present invention is referred to by the messenger server 1235 according to the present invention with reference to the messenger server 1235 information corresponding to the banking messenger information included in the messenger banking information. It is preferable to include a check whether the messenger server 1235 associated with the messenger banking system to provide a non-face-to-face financial product subscription 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 1235 information corresponding to the banking messenger information included in the messenger banking information and the messenger account information included in the messenger banking information. It is preferable to include whether it is a valid messenger account provided with at least one messenger service from the messenger server 1235.

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

In addition, the validation of the messenger banking information is provided in the ledger D / B 1400 on a financial system that provides a non-face-to-face financial product subscription service using the messenger linked account information included in the messenger banking information and the messenger. Comparing the account ledger, it is preferable that the messenger-linked account information is confirmed to include valid messenger-linked account information that can provide a non-face-to-face financial product subscription service using the messenger.

In addition, the verification of the validity 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 non-face-to-face financial product subscription using the messenger By comparing the customer ledgers provided in the ledger D / B 1400 on the financial system providing the service, confirming that the customer corresponding to the customer information is a valid customer who can provide the non-face-to-face financial product subscription service using the messenger. It is preferable that it consists of including.

According to an embodiment of the present invention, when the customer subscribes to at least one non-face-to-face banking system operated by a financial system in which the messenger linked account is opened, the validity checking of the messenger banking information may be performed in the messenger banking information. By comparing the non-face-to-face financial transaction authentication information corresponding to the included customer information with the non-face-to-face financial transaction authentication information provided in the ledger D / B (1400) on the financial system that provides a non-face-to-face financial product subscription service using the messenger, Preferably, the non-face-to-face financial transaction authentication information includes verifying whether the non-face-to-face financial transaction authentication information using the messenger is valid non-face-to-face financial transaction authentication information.

The non-face-to-face financial transaction authentication information may include at least one 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 provides confidentiality, authentication, integrity, and non-repudiation to provide non-face-to-face financial product subscription 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.

If the validity of the messenger banking information is not authenticated (1735b), the server generates a web page including predetermined messenger banking information registration error information and transmits it to the terminal (1740b), and corresponds to the messenger banking information. Do not perform the information registration procedure.

On the other hand, if the validity of the messenger banking information is authenticated (1735b), the server performs an information registration procedure corresponding to the messenger banking information, thereby linking the messenger banking information and the messenger account information included in the messenger banking information with the messenger account information. The account information and the customer information are processed in association with each other and stored in the predetermined storage medium 1405 (1745b).

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

According to another method of the present invention, the storage medium 1405 is provided with (or associated with) at least one non-face-to-face banking system (eg, an internet banking system, and / or a telephony) provided on the messenger banking information registration system. Banking system, and / or wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, thereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined messenger banking information registration history information and transmits the generated webpage to the terminal (1750b), thereby completing the registration of the messenger banking information transmitted from the terminal.

18 is a diagram illustrating a messenger banking system for signing up for a financial product using messenger banking according to an exemplary embodiment of the present invention.

In more detail, FIG. 18 refers to FIGS. 1 and 5, and a customer who registers the messenger banking information on a predetermined storage medium 1875 through the messenger banking information registration system shown in FIGS. 7 and / or 12. A messenger banking system for providing a messenger-based financial product subscription service for joining a financial product to the messenger banking, specifically, a storage medium 1875 for storing the messenger banking information is shown in FIG. 10 and / or FIG. It relates to an implementation method provided in the DBMS on the messenger banking system as shown in FIG.

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

For example, if a person of ordinary skill in the art of the present invention belongs, a storage medium 1875 for storing the messenger banking information by referring to and / or modifying the drawing 18 may be a non-face-to-face messenger-based finance. Messenger-based financial products for subscription to financial products using the messenger banking, when stored in the ledger D / B on the financial system providing a product subscription service, and / or in a predetermined database associated with the ledger D / B Various messenger banking system configurations for providing a subscription service may be inferred, and the present invention is characterized by including all the inferred implementation methods.

Referring to FIG. 18 according to an embodiment of the present invention, a messenger banking system for subscribing to a financial product using messenger banking includes a messenger terminal 1800 equipped with a messenger program 1805 used by at least one messenger customer; A messenger server 1815 for providing at least one messenger service to the messenger customer in connection with the messenger program 1805 included in the messenger terminal 1800; and at least one financial product information in FIG. And the messenger registered to a predetermined storage medium 1875 through the messenger banking information registration system shown in FIGS. 7 and / or 12 when the messenger customer applies for subscription to the provided financial product. Messenger-based financial products that are non-face-to-face with at least one messenger customer using banking information Messenger banking server 1840 providing a subscription service, and a financial system for processing at least one or more messenger banking-based non-face-to-face financial transactions processed by the messenger banking server 1840.

The messenger terminal 1800 connects to the messenger server 1815 through a network means including a Transmission Control Protocol / Internet Protocol (TCP / IP) based wired communication network, thereby providing at least one messenger service (eg, text chat, voice chat). At least one desktop computer and / or laptop computer having a messenger program 1805 for providing video chat, message exchange, file exchange, mailing, friend search, financial product information, financial product subscription, etc.). Characterized in that made.

Alternatively, the messenger terminal 1800 may be connected to the messenger server 1815 through a network means including a code division multiple access (CDMA) based wireless communication network to provide at least one messenger service (eg, text chat, voice chat, image). Personal Communication System (PCS) and / or GSM with messenger program 1805 that provides chat, message exchange, file exchange, mailing, friend search, financial product information provision, financial product subscription, etc.). (Global System for Mobile communications) terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smartphone And at least one smart phone.

In addition, the messenger terminal 1800 is connected to the messenger server 1815 through a network means including an IEEE 802.16x based wireless communication network to at least one messenger service (eg, text chat, voice chat, image chat, message exchange). , At least one portable Internet terminal having a messenger program 1805 for exchanging files, sending mail, searching friends, providing financial product information, subscribing to financial products, etc.).

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

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

According to the present invention, the messenger terminal 1800 includes a predetermined messenger banking module 1810 interworking with the messenger program 1805 for non-face-to-face messenger banking for financial product subscription using the messenger banking. The messenger banking module 1810 is a non-faceted messenger-based financial product for subscription to a financial product using the messenger banking in connection with the messenger program 1805 provided in the messenger terminal 1800. It is characterized by providing a subscription service.

According to the exemplary embodiment of the present invention, the messenger banking module 1810 encrypts the financial product subscription request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 for subscription to the financial product using the messenger banking. Or, and / or an encryption processing function for decrypting the financial product subscription response information received from the messenger banking server 1840.

In addition, the messenger banking module 1810 attaches an electronic signature to the financial product subscription request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 to subscribe to the financial product using the messenger banking, and And / or an electronic signature function for confirming the electronic signature attached to the financial product subscription response information received from the messenger banking server 1840.

In addition, the messenger banking module 1810 may include at least one OTP code included in the financial product subscription request information transmitted from the messenger terminal 1800 to the messenger banking server 1840 to subscribe to the financial product using the messenger banking. It is preferable to include a function for generating a.

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

The messenger server 1815 provides at least one messenger service through the messenger terminal 1800 (eg, text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, financial product information provision, and finance). Received from the messenger terminal 1800 that executes (or drives) the messenger program 1805 in association with the predetermined member information D / B for membership authentication to provide a product subscription, etc.) and the member information D / B. And a messenger member authentication unit 1825 that authenticates the messenger customer based on the messenger account information.

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

In addition, the member information stored in the member information D / B indicates that the messenger customer subscribes to the messenger-based financial product subscription service provided by the financial system through the messenger banking information registration system shown in FIGS. 7 and / or 12. It is preferable that the information further comprises a messenger banking subscription information for checking whether or not.

According to the exemplary embodiment of the present invention, when messenger account information including messenger ID information and messenger password is received from the messenger terminal 1800 that executes (or drives) the messenger program 1805, the messenger member authentication unit ( 1825 compares the messenger account information with the messenger account information included in the member information D / B, so that a messenger customer corresponding to the messenger account information is configured with at least one messenger service (eg, text chat, voice chat, image chat). , Message exchange, file exchange, mailing, friend search, financial product information, financial product subscription, etc.).

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

In addition, when the messenger member authentication through the messenger member authentication unit 1825 succeeds, the messenger server 1815 provides a messenger program 1805 included in at least one messenger terminal 1800 in which the member authentication succeeds. The messenger operation unit 1835 is operated to provide at least one messenger service through text chat, voice chat, video chat, message exchange, file exchange, mail sending, friend search, financial product information provision, and financial product subscription. It is characterized by comprising.

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

Referring to FIG. 18, the messenger server 1815 provides a messenger-based financial product subscription service for a financial product subscription using the messenger banking in connection with the messenger banking server 1840 through a predetermined communication means. It is characterized by comprising an operation unit 1820.

The messenger banking management unit 1820 joins the messenger banking stored in association with the messenger account information of the messenger member in the member information D / B when the messenger member authentication is successful through the messenger member authentication unit 1825. Read the information and check whether the messenger member subscribes to the messenger-based financial product subscription service provided by the financial system through the messenger banking information registration system shown in FIGS. 7 and / or 12; When it is confirmed that the member has subscribed to the messenger-based financial product subscription service, the messenger banking operation unit 1820 is connected to the messenger operation unit 1835 of the messenger program 1805 provided in the messenger terminal 1800. It is characterized by activating the messenger banking function.

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

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

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

The messenger banking server 1840 that provides a messenger-based financial product subscription service for subscribing financial products using the messenger banking to the messenger customer is a messenger banking operation unit provided in the messenger server 1815 through a predetermined communication means. The interface unit 1845 which is connected in communication with 1820 and / or in communication with a messenger program 1805 (and / or messenger banking module 1810) included in the messenger terminal 1800 through a predetermined network means. It is characterized by comprising a).

The interface unit 1845 includes messenger banking provided in the messenger server 1815 through a communication means including at least one dedicated communication network and / or a secure communication network (eg, a wired / wireless communication network communicating based on an encryption / decryption function). It is characterized in that the operating unit 1820 connects and manages a communication channel for receiving a predetermined messenger member authentication result.

If the person skilled in the art to which the present invention pertains, the interface unit 1845 communicates with the messenger banking operation unit 1820 provided in the messenger server 1815 to receive a predetermined messenger member authentication result. Since you will be familiar with the technical features of connecting and managing channels, a detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, when the messenger banking operation unit 1820 encrypts and transmits the messenger member authentication result using at least one encryption method, the interface unit 1845 decrypts the encryption method corresponding to the encryption method. Preferably through the function of decrypting the encrypted messenger member authentication result through.

Alternatively, when the messenger banking operation unit 1820 transmits an electronic signature to the messenger member authentication result, the interface unit 1845 further includes a function of checking an electronic signature attached to the messenger member authentication result. It is preferable to make.

Alternatively, when the messenger banking operation unit 1820 includes a predetermined OTP code in the messenger member authentication result, the interface unit 1845 checks the OTP code included in the messenger member authentication result. It is preferable that it further comprises.

In addition, the interface unit 1845 receives financial product subscription request information for financial product subscription using the messenger banking from the messenger terminal 1800 through a network means including at least one wired or wireless communication network, and / or And a financial transaction channel for transmitting financial product subscription response information corresponding to the financial product subscription request information to the messenger terminal 1800.

Those skilled in the art, the interface unit 1845 receives the financial transaction request information for at least one or more non-face-to-face financial transactions from the messenger terminal 1800, and / or the Since it will be familiar with technical features of connecting and managing a financial transaction channel for transmitting financial transaction response information corresponding to the financial transaction request information to the messenger terminal 1800, a detailed description thereof will be omitted for convenience.

When the messenger terminal 1800 encrypts the financial product subscription request information using at least one encryption method and transmits the encrypted information, the interface unit 1845 performs a decryption method corresponding to the encryption method. Preferably through the function further to decrypt the encrypted financial product subscription request information.

Alternatively, when the messenger terminal 1800 transmits an electronic signature attached to the financial product subscription request information, the interface unit 1845 further includes a function of checking an electronic signature attached to the financial product subscription request information. It is preferable to make.

Alternatively, when the messenger terminal 1800 transmits the financial product subscription request information with a predetermined OTP code, the interface unit 1845 checks the OTP code included in the financial product subscription request information. It is preferable that it further comprises.

According to another embodiment of the present invention, when the financial instrument subscription response information corresponding to the financial product subscription request information is transmitted from the messenger banking server 1840 to the messenger terminal 1800 by using at least one encryption method, The interface unit 1845 preferably further includes a function of encrypting the financial instrument subscription response information by a predetermined encryption method.

Alternatively, when the messenger banking server 1840 transmits an electronic signature to the financial instrument subscription response information corresponding to the financial instrument subscription request information from the messenger banking server 1840, the interface unit 1845 subscribes to the financial instrument. Preferably, the response information further includes a function of attaching an electronic signature.

According to the present invention, the messenger banking server 1840 is connected to the interface unit 1845 and the information receiving unit 1855 for receiving a predetermined message member authentication result from the messenger server 1815 through the communication means. It is characterized by comprising.

In addition, the information receiving unit 1855 is connected to the interface unit 1845 through the network means from the messenger terminal 1800, a predetermined non-face-to-face for messenger banking customer authentication for financial product subscription using the messenger banking. Receive financial transaction authentication information.

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

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

In addition, the information receiving unit 1855 receives the financial product subscription request information for the financial product subscription using the messenger banking from the messenger terminal 1800 through the network means in association with the interface unit 1845. It is done.

According to an embodiment of the present invention, the financial product subscription request information includes messenger account information (or predetermined unique information (or unique code) assigned to identify the messenger banking customer) corresponding to the messenger member, and Withdrawal account information and withdrawal account password corresponding to messenger linked account information for non-face-to-face messenger banking (or withdrawal of the financial product subscription amount included in the financial product subscription information) and received from the messenger server 1815 And at least one financial product subscription information, wherein the financial product subscription request information is attached and / or encrypted by a predetermined electronic signature by a messenger banking module 1810 included in the messenger terminal 1800. It is desirable to be.

Here, the financial product subscription information includes predetermined financial product subscription amount information, deposit account information to which the financial product subscription amount is to be deposited, deposit bank information where the deposit account is opened, and messenger account information of the messenger member. The financial product subscription information is generated and transmitted to the messenger server 1815 included in the banking messenger information.

The financial product subscription information may further include financial product information (eg, financial product name, financial product code, etc.) that the messenger member intends to subscribe to.

The messenger banking server 1840 further includes a subscription processing unit 1880 which performs the financial product subscription processing of the messenger member based on the financial product subscription request information.

For example, the subscription processing unit 1880 extracts (or confirms) predetermined information (for example, customer personal information, etc.) necessary for the financial product subscription from the received financial product subscription request information to process the financial product subscription of the customer. It characterized in that to perform.

The messenger banking server 1840 includes a customer authentication unit 1860 which authenticates the validity of the messenger banking customer through non-face-to-face financial transaction authentication information received from the messenger terminal 1800 through the information receiving unit 1855. Characterized in that made.

In addition, the customer authentication unit 1860 performs the customer authentication requesting the financial product subscription by logging in to the messenger account while the subscription processing unit 1880 performs the financial product subscription processing of the messenger member. It features.

For example, the customer authentication unit 1860 receives predetermined customer authentication information (for example, customer unique information and / or password) from the messenger terminal and authenticates the customer by comparing with the previously stored authentication information, or the customer The authenticator 1860 may request the messenger member authentication to the messenger server again in the financial product subscription process and receive the messenger member authentication information from the messenger server to authenticate the customer.

According to the present invention, when the non-face-to-face financial transaction authentication information is included (or applied) in predetermined financial product subscription request information, the customer authentication unit 1860 is included (or applied) in the financial product subscription request information. ) Secures confidentiality, authentication, integrity, and nonrepudiation of the messenger-based financial product subscription service corresponding to the financial product subscription request information through the non-face-to-face financial transaction authentication information. It is characterized by.

When non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received through the information receiver 1855, the customer authentication unit 1860 receives the received messenger banking ID / PW information and the storage medium. By comparing the messenger banking ID / PW information included in the customer information stored at 1875, the messenger banking customer can be validated and / or the messenger-based financial product subscription service corresponding to the financial product subscription request information. Confidentiality, authentication, integrity and nonrepudiation can be secured.

Further, the information encrypted through at least one encryption key (eg, a symmetric key, a public key, or a private key) included in the authentication certificate included in the messenger terminal 1800 through the information receiving unit 1855. When the non-face-to-face financial transaction authentication information is included, the customer authentication unit 1860 decrypts the data through a predetermined decryption key (for example, a symmetric key, a private key, a public key, etc.) corresponding to the encryption key. Validation of the messenger banking customer and / or secure confidentiality, authentication, integrity and non-repudiation of the messenger-based financial product subscription service corresponding to the financial product subscription 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 1855, the customer authentication unit 1860 receives the reception. Messenger-based finance corresponding to the validity of the messenger banking customer and / or corresponding to the financial product subscription request information by comparing the secured card information with the secured card information included in the customer information stored in the storage medium 1875. Confidentiality, authentication, integrity and nonrepudiation of product subscription services can be secured.

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 1855, the customer authentication unit 1860 stores the storage medium ( Generating a predetermined OTP code based on the OTP code generation information included in the customer information stored in 1875 and comparing the generated OTP code with the received OTP code, thereby validating the messenger banking customer; And / or confidentiality, authentication, integrity, and non-repudiation of the messenger-based financial product subscription service corresponding to the financial product subscription request information.

In addition, although not shown separately in FIG. 18, the messenger banking server 1840 provides the client with consultation request information regarding a predetermined financial product, or the consultation request for the financial product in the financial product subscription request information. If the information is included, it may be configured to further include a connection unit for connecting the messenger terminal and the financial product information provider terminal.

For example, if the messenger terminal has a communication channel connected to the messenger server, and a communication channel between the banking server and the financial product information provider terminal is connected, the connection unit is connected to the messenger operation unit of the messenger server. The communication channel connection information with the terminal may be provided to request a communication channel connection with the messenger terminal.

Referring to FIG. 18, the messenger banking server 1840 processes a non-face-to-face financial transaction for providing a messenger-based financial product subscription service in response to the financial product subscription request information received through the information receiver 1855. The banking processor 1865 and the banking processor 1865 through a predetermined interface means to process a non-face-to-face financial transaction for providing a messenger-based financial product subscription service in response to the financial product subscription request information. When at least one ledger information is retrieved from the ledger D / B provided in the financial system, and / or the non-face-to-face financial transaction for providing the messenger-based financial product subscription service is processed by the banking processor 1865, Generate the ledger information corresponding to the non-face-to-face financial transaction through a predetermined interface means Ledger processing unit (1870) stored in the ledger D / B provided in the system and the financial product subscription including a non-face-to-face financial transaction results for providing a messenger-based financial product subscription service in response to the financial product subscription request information And an information transmitter 1850 generating response information and transmitting the response information to the messenger terminal 1800 through the interface unit 1845.

The messenger member authentication result is received from the messenger server 1815 through the information receiving unit 1855, and the messenger terminal 1800 is received from the messenger terminal 1800 corresponding to the messenger member authentication result through the information receiving unit 1855. When the financial product subscription request information corresponding to the account inquiry request for the linked account is received, the banking processor 1865 requests an account inquiry for the messenger linked account to the ledger processor 1870 and correspondingly the ledger. The processor 1870 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 1850 corresponds to the messenger linked account. Generates a financial product subscription response information including an account ledger inquiry result to the messenger terminal through the interface unit 1845; 1800).

The messenger member authentication result is received from the messenger server 1815 through the information receiving unit 1855, and the messenger terminal 1800 is received from the messenger terminal 1800 corresponding to the messenger member authentication result through the information receiving unit 1855. When the financial product subscription request information for financial product subscription using banking is received and the non-face-to-face financial transaction authentication information corresponding to the financial product subscription request information is normally authenticated by the customer authentication unit 1860, the banking processing unit ( In operation 1865, a financial product subscription procedure corresponding to the financial product subscription request information may be performed.

According to an embodiment of the present invention, the financial product subscription information included in the financial product subscription request information, predetermined financial product subscription amount information, withdrawal account information to which the financial product subscription amount of the messenger linked account is withdrawn, and The banking processor 1865 may include the ledger processor 1870 when the bank account processor 1865 includes a withdrawal account password, a deposit account information to which the financial product subscription amount is to be deposited, and at least one deposit bank information where the deposit account is opened. It is preferable to check the account ledger corresponding to the withdrawal account information to check whether the amount corresponding to the financial product subscription amount is deposited in the withdrawal account, and / or the withdrawal account through the ledger processing unit 1870. It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the information. The.

In addition, the banking processing unit 1865 reads the deposit bank information to check whether the wage account is opened in the party equipped with the financial system or in the other row, the deposit account is in the bank. When opened, it is preferable to check whether a financial account corresponding to the deposit account information is opened in connection with the financial system through the ledger processing unit 1870, or when the deposit account is opened in the other row, the ledger It is preferable to check whether a financial account corresponding to the deposit account information is opened in the financial system corresponding to the deposit bank information through the financial common network through the processing unit 1870 through the financial system.

Thereafter, the banking processing unit 1865 calculates a predetermined financial product subscription fee for withdrawing the financial product subscription amount from the withdrawal account and depositing it into the deposit account, and the financial product subscription amount to the ledger processing unit 1870. Request a ledger to withdraw a financial instrument subscription fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains should be familiar with the technical characteristics of the ledger processing process for withdrawing the financial product subscription amount and the financial product subscription fee from the withdrawal account and depositing it into the deposit account. Therefore, detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 1870 generates ledger information for withdrawing the financial product subscription amount and financial product subscription fee from the withdrawal account and depositing it into the deposit account, and through the predetermined interface means. And storing information in a ledger D / B provided in the financial system, and the information transmitting unit 1850 generates financial product subscription response information including a non-face-to-face financial transaction result corresponding to the financial product subscription request information. It is characterized in that for transmitting to the messenger terminal 1800 through the interface unit 1845.

According to another embodiment of the present invention, the financial product subscription information included in the financial product subscription information included in the financial product subscription request information, the withdrawal account information to which the financial product subscription amount of the messenger linked account is withdrawn, If the withdrawal account password and at least one depositing messenger account information corresponding to the messenger member to receive the financial product subscription amount is included, the banking processor 1865 is connected to the storage medium 1875 The payment information associated with the payment side messenger account is extracted and stored.

If at least two extracted payment-side messenger association accounts are included (or if no deposit account is specified among at least two payment-side messenger association accounts), the banking processor 1865 may be configured as the messenger terminal 1800. By providing the extracted payment-side messenger linked account information to), requesting to select a predetermined deposit-side messenger linked account in which the financial product subscription amount will be deposited, and through the information receiving unit 1855 the messenger terminal 1800 Receives the selected payment-side messenger linked account information from the;

In this case, since the received payment-side messenger linked account information will be a financial account opened in the bank, the banking processor 1865 may correspond to the deposit account information in connection with the financial system through the ledger processor 1870. It is advisable to check if a financial account is opened.

In addition, when the banking processor 1865 includes at least one deposit account information to which the financial product subscription amount is to be deposited, and at least one deposit bank information in which the deposit account is opened, the banking processor 1865 may be configured as the ledger processor. It is preferable to check the account ledger corresponding to the withdrawal account information through 1870 to check whether the amount corresponding to the financial product subscription amount is deposited in the withdrawal account, and / or the ledger processing unit 1870 It is preferable to check the validity of the withdrawal account password by inquiring the account ledger corresponding to the withdrawal account information through.

Thereafter, the banking processing unit 1865 calculates a predetermined financial product subscription fee for withdrawing the financial product subscription amount from the withdrawal account and depositing it into the deposit account, and the financial product subscription amount to the ledger processing unit 1870. Request a ledger to withdraw a financial instrument subscription fee from the withdrawal account and deposit it into the deposit account.

Those skilled in the art to which the present invention pertains should be familiar with the technical characteristics of the ledger processing process for withdrawing the financial product subscription amount and the financial product subscription fee from the withdrawal account and depositing it into the deposit account. Therefore, detailed description thereof will be omitted for convenience.

When the ledger processing is completed, the ledger processing unit 1870 generates ledger information for withdrawing the financial product subscription amount and financial product subscription fee from the withdrawal account and depositing it into the deposit account, and through the predetermined interface means. And storing information in a ledger D / B provided in the financial system, and the information transmitting unit 1850 generates financial product subscription response information including a non-face-to-face financial transaction result corresponding to the financial product subscription request information. It is characterized in that for transmitting to the messenger terminal 1800 through the interface unit 1845.

According to an exemplary embodiment of the present invention, the banking processor 1865 checks whether the messenger linked account is connected to a predetermined mother account, and when the messenger linked account is connected to a predetermined mother account, the banking processor 1865 Through the ledger processing unit 1870 checks the customer communication means (for example, customer mobile phone number) information corresponding to the customer corresponding to the predetermined mother account from the customer ledger corresponding to the mother account from the ledger D / B on the financial system And requesting the customer communication means to approve a subscription of a messenger banking-based financial product using the messenger linked account as a withdrawal account. In this case, if the messenger banking-based financial product subscription is approved by the customer communication means, It is desirable to process the subscription of messenger banking-based financial products.

For example, when the messenger member is a minor (or a limited amount or a garrison), and the messenger linked account of the messenger member is connected to the parent account of the parent (or legal guardian) of the messenger member, the banking processor 1865 may be used. A parent (or law) corresponding to a customer corresponding to the predetermined parent account from a customer ledger corresponding to the parent account of the parent (or legal guardian) of the messenger member from the ledger D / B on the financial system through the ledger processing unit 1870. Parent guardian) to verify the means of communication (e.g., customer's mobile phone number) and request the parent (or legal guardian) communication means to approve the subscription of a messenger banking-based financial product using the messenger linked account as a withdrawal account. In this case, the messenger banking-based finance in the parent (or legal guardian) communication means If the product you are accepted, it is desirable to process the messenger banking financial products based subscription.

According to another exemplary embodiment of the present invention, the banking processor 1865 checks whether the messenger linked account is connected with a predetermined mother account, the messenger linked account is connected with a predetermined mother account, and the mother account is also illustrated in FIG. 7. And / or registered with the messenger linked account through the messenger banking information registration system shown in FIG. 12, the banking processor 1865 confirms messenger account information corresponding to the parent account from the storage medium 1875, Preferably, the messenger program 1805 corresponding to the messenger account information corresponding to the identified mother account is requested to approve the subscription of a messenger banking-based financial product using the messenger linked account corresponding to the withdrawal account. The messenger in a messenger program 1805 corresponding to the corresponding messenger account information; If the King based financial instruments to join is approved, it is preferable to process the messenger banking financial products based subscription.

For example, the messenger member is a minor (or a limited amount or a garner) and the messenger linked account of the messenger member is a messenger banking of the messenger member's parent (or legal guardian) shown in FIGS. 7 and / or 12. When the predetermined messenger banking information is registered through the information registration system, the banking processor 1865 checks the messenger account information of the parent (or legal guardian) from the storage medium 1875, and the confirmed parent (or legal). It is preferable to request the messenger program 1805 corresponding to the messenger account information of the enemy guardian to approve the subscription of the messenger banking-based financial product using the messenger linked account corresponding to the withdrawal account. Messenger banking-based finance in a messenger program 1805 corresponding to messenger account information of If the product you are accepted, it is desirable to process the messenger banking financial products based subscription.

Referring to FIG. 18, the financial system is a computer system provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, accounting for processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) access 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 it is stored in association with.

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

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

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

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

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

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

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

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

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

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

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

19 illustrates a financial product subscription request process for financial product subscription using messenger banking according to an embodiment of the present invention.

In more detail, in FIG. 19, a predetermined messenger member accesses the messenger server 1815 shown in FIG. 5 at least through a client terminal (not shown) and / or a messenger terminal 1800 having a predetermined web browser. In the case of selecting one or more financial products and selecting a financial product subscription using the messenger banking as a payment method for the selected financial product, in the process of processing the financial product subscription using the messenger banking in the messenger server 1815. For those of ordinary skill in the art to which the present invention pertains, various implementation methods for a financial product subscription request process for financial product subscription using messenger banking can be inferred by referring to and / or modifying the drawing 19. As will be appreciated, the present invention includes all implementation methods inferred from the above, and the implementation illustrated in FIG. Only the method is not limited that technical feature.

Hereinafter, in FIG. 19, a client terminal (not shown) and / or a messenger terminal 1800 having the predetermined web browser are referred to as "terminals" for convenience, and the messenger server 1815 shown in FIG. Server ".

Referring to FIG. 19, when a messenger member accesses the server through the terminal and selects at least one financial product (or service) through the financial product information providing process illustrated in FIG. 6 (1900), the server In operation 1905, the terminal selects a predetermined payment method for the financial product subscription processing corresponding to the tangible or intangible product (or service).

According to an embodiment of the present invention, the payment means selection interface is at least one conventional payment means such as credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bank account payment means, mobile phone payment means, etc. It preferably comprises a selection interface and a user interface for selecting at least one payment means of the messenger banking payment means according to the present invention.

Thereafter, the terminal inputs (or selects) payment means selection information corresponding to a predetermined payment means for payment processing corresponding to the tangible or intangible goods (or services) through the payment means selection interface. In operation 1910, the server reads the payment means selection information and checks whether the terminal selects the messenger banking-based payment through the messenger banking payment means according to the present invention (1915).

If the result of reading the payment means selection information is not selected to subscribe to the instant messenger banking-based financial products through the messenger banking payment means according to the present invention (for example, credit card payment means, check card payment means, debit card payment means, bank transfer payment) A predetermined payment means selected from a means, a bankbook payment means or a mobile payment means) (1920), the server responds to the tangible or intangible goods (or services) through a payment means corresponding to the payment means selection information; Deal with the financial instrument subscription (1925).

Those skilled in the art to which the present invention belongs, any one of the credit card payment means, check card payment means, debit card payment means, bank transfer payment means, bankbook payment payment means, mobile phone payment means in the server Since you will be familiar with the technical features of the financial product subscription process through the payment method, a detailed description thereof will be omitted for convenience.

On the other hand, if a result of reading the payment means selection information is selected to subscribe to the messenger banking-based financial product through the messenger banking payment method according to the present invention (1920), the server is configured to subscribe to the messenger banking-based financial product according to the present invention to the terminal. Providing a messenger banking information input interface for inputting (or selecting) messenger account information and / or messenger information for banking (1930), and correspondingly, the terminal provides a finance corresponding to the financial product through the messenger banking information input interface; Inputting (or selecting) messenger account information and / or banking messenger information for product subscription processing is transmitted to the server (1935).

20 is a diagram illustrating a messenger member authentication process for subscribing to a financial product using messenger banking according to an exemplary embodiment of the present invention.

In more detail, FIG. 20 illustrates that when a messenger program 1805 is executed (or driven) in a predetermined messenger terminal 1800 and the messenger member logs in to the predetermined messenger server 1815 shown in FIG. 7 and / or the messenger banking customer who has registered messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. A messenger member authentication process for activating to provide a financial product subscription service using the messenger banking through a program 1805. Specifically, messenger banking subscription information for confirming whether the messenger member is the messenger banking customer is shown in FIG. The case is stored in the illustrated member information D / B.

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

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

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

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

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

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

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (for example, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2010), the server The messenger banking subscription information associated with the messenger account information is read to determine whether the messenger member is a messenger banking customer through the messenger banking information registration system shown in FIGS. 7 and / or 12 (2020).

According to an embodiment of the present invention, the server is processed in association with the messenger account information to check the messenger banking subscription information stored in the member information D / B, whereby the messenger member is illustrated in FIGS. 7 and / or 12. It is preferable to check whether a user is registered as a messenger banking customer through a messenger banking information registration system.

If the messenger member is not subscribed as a messenger banking customer (2025), the server may receive at least one messenger service through the messenger member authentication result (eg, the messenger member 1805 through the messenger program 1805). Generates and transmits to the terminal 2030 information corresponding to authentication of a valid member, and correspondingly, the terminal corresponds to at least one messenger function (eg, text chat, voice chat, video chat) provided in the messenger program 1805. , Message exchange, file exchange, mail sending, friend search, financial product information provision, financial product subscription, etc.) (2035).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2025), the server is the messenger member authentication result including the messenger account information (for example, the messenger member is at least one messenger through the messenger program 1805). Information for authenticating that a valid member can receive a service) is generated and transmitted to the messenger banking server 1840 (2040), and the messenger banking server 1840 transmits the messenger member authentication result to a predetermined storage medium (1875). (2045).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1840 is the messenger banking server 1840 when requesting to subscribe to a financial product using at least one messenger banking from the terminal. It is preferably used as information for authenticating a member's validity.

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

Thereafter, the server searches the member information D / B and checks whether the financial product subscription information corresponding to the messenger member is stored in the member information D / B through the financial product subscription processing shown in FIG. (2050).

If the financial product subscription information corresponding to the messenger member is not stored in the member information D / B (2055), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal ( 2060), and correspondingly, the terminal may include at least one messenger function (e.g., text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, financial product storage, etc. included in the messenger program 1805). Offer, financial product subscription, etc.), and also activate the messenger banking function provided in the messenger program 1805 based on the messenger banking subscription information (2065).

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

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

In addition, activating the messenger banking function included in the messenger program 1805 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1805, and / or A messenger program 1805 included in at least one other terminal associated with the messenger program 1805, and / or at least one server associated with the messenger program 1805 (eg, a messenger server shown in FIG. 1815, or from the messenger banking server 1840, etc.), activating a financial product joining procedure using the messenger banking in response to the request. .

On the other hand, if the financial product subscription information corresponding to the messenger member is stored in the member information D / B (2055), the server receives the financial product subscription process shown in FIG. 19 from the member information D / B. The financial product subscription information stored in the member information D / B is extracted (2070).

Here, the financial product subscription information includes predetermined financial product subscription amount information, deposit account information to which the financial product subscription amount is to be deposited, deposit bank information where the deposit account is opened, and messenger account information of the messenger member. The financial product subscription information is generated and transmitted to the messenger server 1815 included in the banking messenger information.

Subsequently, the server includes the messenger banking subscription information and the extracted financial product subscription information in the messenger member authentication result (2075), and correspondingly, the terminal is provided in the messenger program 1805. And activate at least one messenger function (eg, text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, financial product information, financial product subscription, etc.), and the messenger banking subscription information. After activating the messenger banking function provided in the messenger program 1805 based on the output of the financial product subscription information to the messenger program 1805 (2080), the messenger program 1805 is activated. Through the messenger banking function, the financial product subscription process corresponding to the financial product subscription information may be performed.

21 is a diagram illustrating a messenger member authentication process for signing up for a financial product using messenger banking according to another exemplary embodiment of the present invention.

In more detail, FIG. 21 illustrates that when a messenger program 1805 is executed (or driven) on a predetermined messenger terminal 1800 and the messenger member 1815 is logged in to the predetermined messenger server 1815 shown in FIG. 7 and / or the messenger banking customer who has registered messenger banking information including at least one messenger banking information, messenger account information, messenger linked account information and customer information through the messenger banking information registration system shown in FIG. As a messenger member authentication process for activating to provide a financial product subscription service using the messenger banking through a program 1805, a process of confirming whether the messenger member is a messenger banking customer is specifically described with reference to FIGS. 7 and / or 12. Process in connection with the storage medium (1875) on the messenger banking information registration system shown in As for the right, the storage medium 1875 is regarded as provided in the messenger banking server 1840 as shown in FIG.

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 signing up for a financial product using messenger banking. The present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

For example, a person of ordinary skill in the art may refer to and / or modify the drawing 21 to provide a non-face-to-face messenger banking service to the customer. When stored in the ledger D / B, and / or in a predetermined database associated with the ledger D / B, in accordance with the storage medium (1875) various implementation methods for confirming whether the messenger member is a messenger banking customer It may be inferred, and the present invention is characterized by including all the methods of inference.

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

Referring to FIG. 21, when a predetermined messenger member executes (or drives) a messenger program 1805 provided in a predetermined terminal (or automatically executes it), the terminal is connected to the messenger member 1805 through the messenger program 1805. Input the messenger account information and transmit it to the server (2100).

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

Thereafter, the server compares the messenger account information received from the terminal with messenger account information stored in the member information D / B to authenticate the validity of the messenger member (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, video chat) through the messenger program 1805. , Note exchange, file exchange, mailing, friend search, etc.).

On the other hand, if the validity of the messenger member is authenticated through the messenger account information (eg, when the messenger account information received from the terminal matches the messenger account information stored in the member information D / B) (2110), the server The messenger banking is generated by generating the messenger member authentication result including the messenger account information (for example, information for authenticating that the messenger member is a valid member capable of receiving at least one messenger service through the messenger program 1805). The message banking server checks whether the messenger account information matched with the messenger account information is stored in the storage medium 1775 by transmitting the message to the server 1840 (2120). And / or as a messenger banking customer through the messenger banking information registration system shown in FIG. Check whether it is subscribed (2125).

According to the exemplary embodiment of the present invention, when the messenger banking server 1840 determines that messenger account information matching the messenger account information is stored in the storage medium 1775, the messenger member is shown in FIG. 7 and / or FIG. It is preferable to check whether the user is registered as a messenger banking customer through the messenger banking information registration system shown in FIG. 12.

If the messenger member is not subscribed as a messenger banking customer (12130), the messenger banking server 1840 generates messenger banking non-subscription information for the messenger account information and transmits the messenger banking information to the server (2135).

Thereafter, the server generates the messenger member authentication result (for example, information for authenticating that the messenger member is a valid member that can be provided with at least one messenger service through the messenger program 1805) and transmits the same to the terminal. In response, the terminal may perform at least one or more messenger functions (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1805. Activate (2145).

On the other hand, if the messenger member is subscribed as a messenger banking customer (2130), the messenger banking server 1840 may perform at least one messenger service through the messenger member authentication result (eg, the messenger member through the messenger program 1805). Information certifying that a valid member can be provided) is stored in a predetermined storage medium (1875) (2150), and the messenger banking subscription information for the messenger account information is generated and transmitted to the server (2155).

According to an embodiment of the present invention, the messenger member authentication result stored in the messenger banking server 1840 is the messenger banking server 1840 when requesting to subscribe to a financial product using at least one messenger banking from the terminal. It is preferably used as information for authenticating a member's validity.

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

Thereafter, the server searches the member information D / B and checks whether the financial product subscription information corresponding to the messenger member is stored in the member information D / B through the financial product subscription processing shown in FIG. (2160).

If the financial product subscription information corresponding to the messenger member is not stored in the member information D / B (2165), the server includes the messenger banking subscription information in the messenger member authentication result and transmits it to the terminal; 2170, correspondingly, the terminal activates at least one messenger function (eg, text chat, voice chat, image chat, message exchange, file exchange, mail sending, friend search, etc.) included in the messenger program 1805. In addition, the messenger banking function of the messenger program 1805 is activated based on the messenger banking subscription information (2175).

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

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

In addition, activating the messenger banking function included in the messenger program 1805 may include at least one terminal-mounted program (eg, a web browser program provided in the terminal) associated with the messenger program 1805, and / or A messenger program 1805 included in at least one other terminal associated with the messenger program 1805, and / or at least one server associated with the messenger program 1805 (eg, a messenger server shown in FIG. 1815, or from the messenger banking server 1840, etc.), activating a financial product joining procedure using the messenger banking in response to the request. .

On the other hand, if the financial product subscription information corresponding to the messenger member is stored in the member information D / B (2165), the server receives the financial product subscription process shown in FIG. 18 from the member information D / B. The financial product subscription information stored in the member information D / B is extracted (2180).

Here, the financial product subscription information includes predetermined financial product subscription amount information, deposit account information to which the financial product subscription amount is to be deposited, deposit bank information where the deposit account is opened, and messenger account information of the messenger member. The financial product subscription information is generated and transmitted to the messenger server 1815 included in the banking messenger information.

Thereafter, the server includes the messenger banking subscription information and the extracted financial product subscription information in the messenger member authentication result (2185), and correspondingly, the terminal is provided in the messenger program 1805. Activated at least one messenger function (eg, text chat, voice chat, video chat, message exchange, file exchange, mailing, friend search, etc.), and also based on the messenger banking subscription information, the messenger program 1805. After activating the messenger banking function provided in the terminal, the financial product subscription information is output through the activated messenger banking function in the messenger program 1805 by outputting the financial product subscription information to the messenger program 1805. The financial product subscription process corresponding to the information is performed.

22 is a diagram illustrating a non-face-to-face financial transaction authentication process for subscribing to a financial product using messenger banking according to an embodiment of the present invention.

More specifically, FIG. 22 illustrates the messenger banking provided in the messenger program 1805 included in the messenger terminal 1800 after performing the messenger member authentication process as shown in FIGS. 20 and / or 21. When the function is activated, based on the activated messenger banking function to perform a non-face-to-face financial transaction authentication process for processing the non-face-to-face financial transactions for financial product subscription using the messenger banking, the technical features of the present invention According to FIG. 22, before the non-face-to-face financial transaction authentication process is performed, the non-face-to-face financial transaction (eg, account inquiry, etc.) is performed through the messenger member authentication result shown in FIG. 20 and / or 21. The process of doing this is further illustrated and described.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 22 to infer various implementation methods for the non-face-to-face financial transaction authentication process for financial product subscription using messenger banking. However, the present invention includes all the implementation methods inferred above, and the technical features are not limited only to the implementation method shown in FIG.

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

Referring to FIG. 22, a messenger banking icon corresponding to a messenger banking function activated by a predetermined messenger member through a messenger program 1805 provided in a predetermined terminal through the process illustrated in FIGS. 20 and / or 21; When the messenger banking menu is selected (2200), the terminal outputs at least one messenger banking item selection user interface through the messenger banking program, and a predetermined non-face-to-face financial transaction authentication information input item is displayed through the user interface. Check if it is selected (2205).

According to an embodiment of the present invention, the messenger banking item selection user interface outputted through the messenger program 1805 before the non-face-to-face financial transaction authentication process is performed, at least one corresponding to payment using the messenger banking. Of the above messenger banking items, the messenger banking items that can be processed after the non-face-to-face financial transaction authentication process shown in FIG. 22 are preferably deactivated.

For example, the messenger banking item selection user interface output through the messenger program 1805 before the non-face-to-face financial transaction authentication process is performed may include a predetermined non-face-to-face financial transaction authentication information input item and the figures 20 and / or It is preferable that only messenger banking items corresponding to non-facing non-face-to-face financial transactions (eg, account inquiry, etc.) that can be processed only by the messenger member authentication result shown in FIG. 21 are activated.

If a predetermined non-face-to-face financial transaction authentication information input item is not selected through the user interface (2210), the terminal is a non-face-to-face non-face-to-face process that can be processed only by the messenger member authentication results shown in FIGS. 20 and / or 21. It is checked whether an account inquiry-based messenger banking item corresponding to the financial transaction is selected (172215).

If an account inquiry-based messenger banking item corresponding to a non-face-to-face non-face-to-face financial transaction that can be processed only by the result of the new member authentication is not selected through the user interface (2220), the terminal provides a predetermined non-face-to-face through the user interface. The process of checking whether the financial transaction authentication information input item is selected is repeated.

On the other hand, if an account inquiry-based messenger banking item corresponding to a non-facial non-face-to-face financial transaction that can be processed only by the new member authentication result is selected through the user interface (2220), the terminal may perform an account inquiry-based messenger banking procedure. .

On the other hand, if a predetermined non-face-to-face financial transaction authentication information input item is selected through the user interface (2210), the terminal outputs at least one or more non-face-to-face financial transaction authentication information input user interface through the messenger program 1805, In operation 2225, at least one non-face-to-face financial transaction authentication information is input through the user interface.

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

If at least one non-face-to-face financial transaction authentication information is input through the user interface (2230), the terminal is input through the process shown in FIGS. 20 and / or 21 through the messenger program 1805. Messenger account information and at least one non-face-to-face financial transaction authentication information input through the user interface are transmitted to the server (2235).

According to another exemplary embodiment of the present invention, predetermined unique information (or unique code) assigned by the server in order to identify the messenger banking customer in the process shown in FIGS. 20 and / or 21 instead of the messenger account information. May be included, whereby the present invention is not limited.

Thereafter, the server reads the messenger member authentication result stored in the server through the process shown in FIG. 20 and / or 21 based on the messenger account information, thereby transmitting the non-face-to-face financial transaction authentication information. The validity of the member is checked (2240).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is not confirmed (2245), the server generates predetermined non-face-to-face financial transaction authentication error result information and transmits it to the terminal (2250). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2255).

If the validity of the messenger member who has transmitted the non-face-to-face financial transaction authentication information is confirmed (12245), the server uses the messenger banking customer (or subscribes to a financial product using the messenger banking) through the non-face-to-face financial transaction authentication information. Validate for (2260).

When the non-face-to-face financial transaction authentication information including messenger banking ID / PW information is received from the terminal according to an embodiment of the present invention, the server receives the received messenger banking ID / PW information and the storage medium (1875). By comparing the ID / PW information for messenger banking included in the customer information stored in the terminal, the confidentiality, authentication, integrity, and non-repudiation of the validity of the messenger banking customer and / or the subscription of a financial product using the messenger banking is compared. It is desirable to secure.

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

In addition, when non-face-to-face financial transaction authentication information including security card information corresponding to a predetermined security card issued to the messenger banking customer is received from the terminal, the server receives the received security card information and the storage medium 1875. By comparing the security card information included in the customer information stored in the), it is desirable to ensure the validity of the messenger banking customer, and / or to secure the confidentiality, authentication, integrity and non-repudiation of payments using the messenger banking Do.

In addition, when non-face-to-face financial transaction authentication information including an OTP code generated through the OTP generator provided to the messenger banking customer is received from the terminal, the server includes the customer information stored in the customer information stored in the storage medium 1875. Generate a predetermined OTP code based on OTP code generation information, and compare the generated OTP code and the received OTP code, thereby validating the messenger banking customer and / or subscribing to a financial product using the messenger banking. It is desirable to ensure confidentiality, authentication, integrity, and nonrepudiation.

If the validity of the messenger banking customer (or a financial product subscription using the messenger banking) is not authenticated through the non-face-to-face financial transaction authentication information (2265), the server may provide predetermined non-face-to-face financial transaction authentication error result information. The terminal generates and transmits the message to the terminal (2250). In response, the terminal deactivates the messenger banking item corresponding to the non-face-to-face financial transaction authentication error result information (2255).

On the other hand, if the validity of the messenger banking customer (or the financial product subscription using the messenger banking) is authenticated through the non-face-to-face financial transaction authentication information (2265), the server generates predetermined non-face-to-face financial transaction authentication approval result information. And transmits to the terminal (2270), and correspondingly, the terminal activates a messenger banking item corresponding to the non-face-to-face financial transaction authentication approval result information (2275), and the messenger corresponding to the non-face-to-face financial transaction authentication approval result information. The banking item is characterized in that it comprises a payment item using a messenger banking according to the present invention.

According to the present invention, if a financial PB provides a basis on a messenger to promote and sell their financial products, and a customer wants to subscribe to the financial product on a messenger, the financial product subscription service is provided to the customer in connection with a messenger banking service. By providing a, it enables the development of linked products between portal companies and banks, and also has the advantage of generating additional profits through the provision of messenger banking services, such as income from entry fees.

Claims (5)

When information data to be provided to a specific customer (or group of customers) through at least one information provider through a messenger program is input and / or received, the information data is processed in association with messenger account information of the specific customer (or group of customers). Information storage means for storing in a predetermined storage medium; When accessing a messenger using a messenger, comparing the messenger account of the connected customer with a messenger account of a specific customer (or group of customers) previously stored in the storage medium, and confirming the information confirming whether the connected customer is a customer to be provided with information. Way; And And the information providing means for providing information data previously stored in the storage medium to the customer messenger when the connected customer is an information providing target customer. The method of claim 1, When the information data is predetermined financial product information data and the messenger user requests to join the financial product based on the information data, the financial product subscription is performed using an account connected to the messenger account of the messenger user. Information providing system using a messenger further comprises a financial product subscription processing means for processing. The method of claim 1, And a means for collecting a predetermined fee for providing the information data to the information provider. A computer-readable recording medium having recorded thereon a program for executing a function of the system constituting means of any one of claims 1 to 3. When financial instrument information data to be provided and / or received from at least one or more information providers through a messenger program is stored, storing the financial instrument information data in a predetermined storage medium by predetermined information storage means; Providing, by a predetermined information providing means, financial instrument information data previously stored in the storage medium through a messenger program when a messenger user is connected; And When the messenger user requests the subscription of the financial product by referring to the financial product information data or requests the consultation on the financial product, a messenger program of the messenger using customer is connected to the information provider by a predetermined messenger operating means. The information providing method using a messenger comprising a; connecting step.

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