KR20080058303A - Method for integrated-operating online account - Google Patents

Abstract

A method for managing an online account integrally is provided to enable a customer to use the balance and deposit/withdrawal details of the online accounts managed by other web servers in a current web server by storing online account information and detail use information of each registered online server. A server collects online account information and detail use information from each online server registered by a customer. The server generates a webpage by using the collected online account/detail use information and stores the webpage to a storage medium by linking with ID information of the customer(1870). The server provides a customer terminal with the online account/detail use information of each registered online server stored by linking with the ID information of the customer through the storage medium when the customer terminal is connected(1875).

Description

{Method for Integrated-operating Online Account}

1 is a diagram illustrating an online account registration system according to an embodiment of the present invention.

2 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

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

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

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

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

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

9 is a diagram illustrating an online account registration system according to another exemplary embodiment of the present invention.

10 is a diagram illustrating an online account ledger information configuration according to an embodiment of the present invention.

11 is a diagram illustrating the configuration of online ledger information according to another embodiment of the present invention.

FIG. 12 is a diagram illustrating the configuration of new account processing information and virtual account processing information for a new account processing for operating in the form of an online account and a virtual account according to another embodiment of the present invention.

FIG. 13 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

14 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

15 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

16 is a diagram illustrating a real name verification process for an online account according to an embodiment of the present invention.

17 is a diagram illustrating a configuration of an online account integration operation system according to an embodiment of the present invention.

18 is a diagram illustrating an online account integration operation process corresponding to an online account balance transfer according to an embodiment of the present invention.

19 is a diagram illustrating an online account integration operation process corresponding to transfer of an online account balance according to another exemplary embodiment of the present invention.

20 is a diagram illustrating an online account integration operation process for inquiring a deposit and withdrawal history of another online account from a web server according to one embodiment of the present invention.

21 is a diagram illustrating an online account integration operation process for inquiring the details of deposit and withdrawal of another online account in a web server according to one embodiment of the present invention.

<Description of main parts of drawing>

100: web server 105: interface

110: interface providing unit 115: Web service unit

120: information receiving unit 125: information storing unit

130: information relay unit 135: storage medium

140: customer terminal 145: wired terminal

150: wireless terminal 155: information processing server

160: new account processing unit 165: real name confirmation unit

170: new provision management unit 175: prepaid card processing unit

180: new provisions opening section 185: information receiving section

The present invention provides the first online account information and usage history information opened by the customer on the first online server, the second online account information and usage history information opened on the second online server, and the N (N = 2,3, ..N) collecting the N-th online account information and usage history information established in the online server, and generating the plurality of collected online account information and usage history information in a web page, and then identifying the customer. Storing the data in a predetermined storage medium in association with the information (or authentication information), and when the terminal is connected to the customer in the server, the plurality of storages stored in association with the identification information (or authentication information) of the customer through the storage medium. It relates to an online account integration operation method comprising the step of providing online account information and usage history information to the customer terminal.

Due to the continuous development of information and communication infrastructure, the sale of online financial products has recently emerged through Internet full-time banks, and it is expected that various online financial transaction services linked to web servers such as Internet portals will be provided.

The online financial transaction service can be used only in a specific web server for opening and operating an online account, and includes a problem that cannot be used other than a web server for opening and operating the online account.

An object of the present invention for solving the above problems, the first online account information and usage history information opened by the customer in the first online server in the server and the second online account information and usage history information opened in the second online server and Collecting the N-th online account information and usage history information opened on the N-th (N = 2,3, .. N) online server, and a plurality of online account information and usage history information collected by the server. After generating the information, the step of linking with the customer identification information (or authentication information) to store in a predetermined storage medium and when the server accesses the terminal of the customer in the server, the identification information (or authentication) of the customer through the storage medium Information) and providing a plurality of online account information and usage history information stored in association with the customer terminal.

The online account integration operation method according to the present invention includes the first online account information and usage history information opened by the customer on the first online server and the second online account information and usage history information opened on the second online server by the server. Collecting the N-th online account information and usage history information opened on the N (N = 2,3, .. N) online server, and the plurality of collected online account information and usage history information as a web page on the server; After generating, in association with the identification information (or authentication information) of the customer to store in a predetermined storage medium and when the server terminal of the customer in the server, the identification information (or authentication information) of the customer through the storage medium And providing the plurality of online account information and usage history information stored in association with the customer terminal to the customer terminal.

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

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

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

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

1 is a diagram illustrating an online account registration system according to an embodiment of the present invention.

In more detail, FIG. 1 shows an online account application information for opening an online account from a predetermined customer terminal 140 to a predetermined web server 100 through a predetermined network means. By providing the online account application information provided from the customer terminal 140 to the predetermined information processing server 155 provided in the predetermined financial institution at 100, the information processing server 155 is connected to the online account application information. As a system configuration for opening a corresponding online account, specifically, a system configuration for opening an online account of a rechargeable prepaid card concept that can be used without real name verification is shown.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing to infer an implementation method for a system for registering various types of online accounts in addition to the online accounts of the rechargeable prepaid card concept. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may implement a system for registering an online account in the form of a virtual account having a predetermined real account as a parent account by referring to and / or modifying the drawing 1. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a rechargeable prepaid card includes a predetermined web server 100 (e.g., a portal server) through a predetermined network means. Portal server) to request the online account registration (or opening) without real name verification, and to provide the web server 100 with the predetermined online account application information corresponding to the online account registration (or opening). The client terminal 140 is connected to the client terminal 140 through a predetermined network means to receive predetermined online account application information from the client terminal 140, and convert the received online account application information into a predetermined finance. Web server 100 provided to the information processing server 155 provided in the institution, and the web server 100 is connected through a predetermined communication means from the web server 100 to the online An information processing server 155 that receives left application information and processes and opens an online account corresponding to the online account application information in the customer's name based on the received online account application information; It is made with a financial system for operating an online account processed as a.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, etc.) Access to the financial system from tele banking, TV banking, etc.), and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

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

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

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

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based wireless LAN 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) and / or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, the wireless LAN / portable A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with Internet access and browsing function.

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 150 (eg, a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or through at least one wireless terminal 150 (eg, wireless terminal 150 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. Provide IC chip based non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may include at least one customer terminal of a wired terminal 145 connected to a predetermined wired communication network and / or a wireless terminal 150 connected to a predetermined wireless communication network. The server 140 accesses the web server 100 and receives various application services provided by the web server 100.

Here, the wired terminal 145 connected to the wired communication network among the customer terminals 140 is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, the wireless terminal 150 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The web server 100 provides at least one information / content to the customer terminal 140 including at least one of the wired terminal 145 and / or the wireless terminal 150 through the wired communication network and / or the wireless communication network. Portal server and / or search that provide a search service, including, and / or a personalization service, including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to include a server.

According to the present invention, at least one or more of the information provided by the web server 100 to the customer terminal 140 is sold to at least one or more customers (or a new request for opening) online at the financial institution. And financial instrument information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

In addition, the web server 100 is at least one user interface for the customer to apply for (or purchase) the financial product (eg, the online account) through a network means including the wired and / or wireless communication network It is characterized in that to provide to the customer terminal 140, the customer terminal 140 to input (or select) the online account application information through the user interface to include the wired communication network and / or wireless communication network It is characterized in that the transmission to the web server 100 via a network means.

To this end, the client terminal 140 outputs at least one user interface provided from the web server 100, and inputs and / or selects at least one online account application information through the user interface to the web server. 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., which communicates with the web server 100) for transmission to the 100 is provided.

Those skilled in the art to which the present invention pertains output at least one or more user interfaces provided from the web server 100 as described above, and input at least one or more online account application information through the user interface. Since the features of the customer terminal 140 corresponding to the at least one or more wired terminal 145 and / or the wireless terminal 150 to select and transmit to the web server 100 can be easily inferred, Detailed description thereof will be omitted for convenience.

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

According to an embodiment of the present invention, when the customer terminal 140 includes a wired terminal 145 and / or a wireless terminal 150 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 ) Connects a predetermined communication channel with the customer terminal 140 based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the customer terminal 140. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 140, the interface unit 105 is connected to the client terminal 140 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 140 is provided with a communication program provided by the web server 100, the interface unit 105 establishes a communication channel with the client terminal 140 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal 150 connected to a predetermined wireless communication network, the interface unit 105 is based on a protocol stack defined in the wireless network. Connecting a predetermined communication channel with the customer terminal 140 and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 140. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 140, the interface unit 105 is based on the CDMA protocol. And a communication channel, and transmit and receive 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

Referring to FIG. 1, the web server 100 is connected to the web server 100 through a predetermined client terminal 140 through the interface unit 105 and / or to apply for an online account. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the customer terminal 140 to input (or select) and transmit predetermined online account application information. The predetermined online account that is input (or selected) through the user interface from the client terminal 140 in connection with the interface providing unit 110 and the interface unit 105 provided to the customer terminal 140. And an information relay unit 130 for receiving the application information and an information relay unit 130 for providing the received online account application information to an information processing server 155 provided at a financial institution through a predetermined communication means. It is characterized by falling.

In addition, the web server 100 includes a search service including at least one information / content to at least one or more customer terminals 140 and / or a mini homepage / blog in conjunction with the interface unit 105. And a web service unit 115 for providing a web-based service including at least one of a personalization service, a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art to which the invention pertains, the web server 100 to provide the web-based service to at least one or more customer terminals 140 to perform the functions of the portal server and / or search server Since you will be familiar with the method, a detailed description thereof will be omitted.

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

The interface providing unit 110 has a function provided in the customer terminal 140 when a predetermined customer terminal 140 accesses the web server 100 and / or applies for an online account through the interface unit 105. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 100 through the network means, and / or from a predetermined database (not shown). Extracting and providing the user interface 140 generated through the network unit D / B (not shown) to the customer terminal 140 through the network means in association with the interface unit 105. It features.

Thereafter, the client terminal 140 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 100 through the network means. To send).

According to an exemplary embodiment of the present invention, when the customer terminal 140 includes a wired terminal 145 connected to a predetermined wired communication network, the interface providing unit 110 is a browser provided in the wired terminal 145. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided as a program and / or a communication program, and generates the generated (or predetermined web source D through the interface unit 105). It is preferable to provide a user interface extracted from / B (not shown) to the customer terminal 140.

According to another exemplary embodiment of the present invention, when the customer terminal 140 includes a wireless terminal 150 connected to a predetermined wireless communication network, the interface providing unit 110 is provided in the wireless terminal 150. Generate a predetermined user interface that can be provided to a browser program and / or a communication program (or extract from a predetermined web source D / B (not shown)), and generate the generated (or predetermined web source through the interface unit 105). It is preferable to provide a user interface extracted from the D / B (not shown) to the customer terminal 140.

According to an embodiment of the present invention, the user interface for receiving (or selecting) predetermined online account application information from the client terminal 140 in the web server 100 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 140 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And is to preferably output a product online account details, such as the expected rate of return information to the client terminal 140, and wherein the client comprises an interface for confirmation of that check the online account item details.

In addition, the user interface for inputting (or selecting) the online account request information includes an interface for outputting the terms and conditions information corresponding to the online account product to the customer terminal 140, and the customer agrees to the terms and conditions. It is preferable to make it.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined mother account information to deposit (or transfer account) to the account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. An interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information, password information) provided in the web server 100. desirable.

Thereafter, the customer terminal 140 selects at least one online account product to which the customer applies (or purchases) of the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. Send to 100.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 150) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 140 information on the provisions of the provisions of the provisions of the provisions of the provisions and the provisions of the provisions of the provisions of the provisions (e.g., the period in which the on-line account is processed as a provisional provision before the verification of the financial real name of the online account); Enter (or select) false provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional provisioning information for which the customer applies for provisional processing for the online account; It is preferable to include an interface to make.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 140 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 140 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 1, when the financial real name of the online account corresponding to the online account product is processed before being confirmed, the user interface for receiving (or selecting) the online account application information is In order to process a financial transaction (eg, deposit, withdrawal, transfer of money, etc.) for the online account processed by the trail rules, the online account is processed with a predetermined prepaid rechargeable card to process the prepaid rechargeable card processing information in the customer terminal 140. And an interface for inputting (or selecting) the chargeable prepaid card processing consent information to which the customer agrees to the chargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal 140 and confirming the agreement is omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 140) an interface for outputting financial transaction application terms and conditions for processing the first financial transaction with the financial institution and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 100 through the network means, or the online account application information further includes the financial transaction application information, and the web is connected through the network. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). If you are not a banking member, wireless banking member, TV banking member, home banking member, etc.), the user interface for receiving (or selecting) the online account application information, the customer terminal 140 and the financial institution; Processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal 140, the client terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to an embodiment of the present invention, the user interface for receiving (or selecting) the online account application information outputs the online account integration operation agreement request information requesting the customer terminal 140 to agree to the online account integration operation. And, if the customer agrees to the online account integration operation, preferably comprises an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account integrated operation agreement information. It transmits to the web server 100 through the network means.

When the customer terminal 140 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 120 cooperates with the interface unit 105. And receiving the online account application information, and providing the received online account application information to the information relay unit 130 and / or the information storage unit 125.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 140 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the online terminal security information is transmitted from the customer terminal 140. When the transmission is included in the online account application information, the information receiving unit 120 receives the online account security information in conjunction with the interface unit 105, and relays the received online account security information to the information. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface, and transmits it through the network means, or the customer terminal 140 In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 120 works in conjunction with the interface unit 105 for the provisional processing agreement information (or And provisional application information), and provides the received provisional processing agreement information (or provisional application information) to the information relay unit 130 and / or the information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined charging prepaid card processing consent information through the user interface and transmits the information through the network means, or the rechargeable prepaid card in the client terminal 140. When the processing agreement information is included in the online account application information and transmitted, the information receiving unit 120 receives the rechargeable prepaid card processing consent information in association with the interface unit 105. The prepaid card processing consent information is provided to the information relay unit 130 and / or the information storage unit 125.

In addition, the client terminal 140 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or the financial terminal application information is transmitted from the client terminal 140. When the information is included in the online account application information and transmitted, the information receiver 120 receives the financial transaction application information in association with the interface unit 105, and relays the received financial transaction application information to the information relay. It is provided to the unit 130 and / or information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 140, the information receiver 120 interoperates with the interface unit 105 to transmit the non-face-to-face financial transaction agreement information. And receiving face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) from the information relay unit 130 and / or. Or to the information storage unit 125.

In addition, the customer terminal 140 inputs (or selects) predetermined online account integrated operation agreement information through the user interface and transmits the information through the network means, or the online terminal integrated operation in the customer terminal 140. When the consent information is included in the online account application information and transmitted, the information receiver 120 receives the online account integrated operation consent information in association with the interface unit 105, and the received online account The integrated operation agreement information is provided to the information relay unit 130 and / or the information storage unit 125.

The information storage unit 125 stores the online account application information received through the information receiving unit 120 in a predetermined storage medium 135, whereby the web server 100 (or the web). The server 100 operating agency) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 135.

When the online account security information is received through the information receiving unit 120, the information storage unit 125 associates the online account security information with the online account request information and stores the information in the storage medium 135. The online account security information is used by the web server 100 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional provision application information) is received through the information receiving unit 120, the information storage unit 125 adds the provisional processing agreement information (or provisional provision application) to the online account application information. Information) and store it in the storage medium 135, and the provisional processing agreement information (or provisional application information) is the web server 100 (or a financial transaction server using the online account). ) Provides a basis for processing at least one or more financial transactions using the online account before verifying the financial real name for the online account.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 120, the information storage unit 125 processes the rechargeable prepaid card processing consent information in association with the online account application information to the storage medium 135. The rechargeable prepaid card processing consent information may be stored in at least one of the web server 100 (or the financial transaction server using the online account) until the financial real name of the online account is verified. It provides the basis for processing the above financial transaction with a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 120, the information storage unit 125 may include the non-face-to-face financial transaction agreement information in the online account application information ( Or non-face-to-face financial transaction application information) and store the data in the storage medium 135. The non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 100 ( Or a financial transaction server using the online account) to provide a basis for processing at least one financial transaction using the online account until the financial real name of the online account is verified.

When the online account integrated operation agreement information is received through the information receiving unit 120, the information storage unit 125 processes the online account integrated operation agreement information to the online account application information in association with the storage medium 135. It characterized in that it is stored in, so that the online account opened through at least one or more different web server 100 is integrated operation.

According to the method of the present invention, the information storage unit 125, if the predetermined online account corresponding to the online account application information is opened by the information processing server 155, the web server 100 (or the The online account information (not shown) opened by the information processing server 155 to process the at least one financial transaction using the online account in the storage medium 135). It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 130 stores the online account application information received through the information receiving unit 120 through the predetermined communication means corresponding to the online account product (eg, the online account corresponding to the online account product). It is characterized in that the relay transmission to the information processing server 155 provided in the financial institution (opened).

Here, the communication means for connecting the web server 100 and the information processing server 155, a dedicated communication network for blocking access to a third party other than the web server 100 and the information processing server 155, and / or Secure communication network that provides a secure communication function between the web server 100 and the information processing server 155 (for example, the web server 100 encrypts the online account application information by a predetermined encryption method to the information processing server 155). ) And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 155.

When the online account security information is received through the information receiving unit 185, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying the information to the information processing server 155 provided at the financial institution, where the online account corresponding to the product is opened, whereby the information processing server 155 transmits the information to the financial system provided at the financial institution. The web server 100 opens an online account that can process financial transactions through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 185, the information relay unit 130 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. And relaying the information to the information processing server 155 provided in the financial institution corresponding to the online account product (e.g., the online account corresponding to the online account product is opened). The server 155 opens a new online account corresponding to the online account application information in a financial system provided at the financial institution.

When the financial transaction application information is received through the information receiving unit 185, the information relay unit 130 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 155 provided in the financial institution (in which an online account corresponding to the product is opened), whereby the information processing server 155 allows the customer to apply for the online account. Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in a form capable of at least one financial transaction.

When the rechargeable prepaid card processing consent information is received through the information receiving unit 185, the information relay unit 130 corresponds to the online account product through the predetermined communication means. And relaying to the information processing server 155 provided in the financial institution, in which the online account corresponding to the online account product is opened, whereby the information processing server 155 is provided with the financial institution. The system opens an online account corresponding to the online account application information in the form of a rechargeable prepaid card.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 185, the information relay unit 130 applies the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 155 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 155 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 100 in the financial system provided in the financial institution.

When the online account integration operation agreement information is received through the information receiving unit 185, the information relay unit 130 transmits the online account integration operation agreement information to the relay server illustrated in FIG. 17 through a predetermined communication means. It is characterized in that the transmission and storing in a predetermined storage medium 135, whereby an online account opened through at least one or more different web server 100 is integrated operation.

According to another exemplary embodiment of the present invention, when the information processing server 155 is equipped with a web server 100 function and / or the information processing server 155 is a predetermined banking server, the information relay unit ( 130 connects and relays the client terminal 140 and the information processing server 155 to thereby relay the online account application information (and / or a provisional rule) from the client terminal 140 at the information processing server 155. Processing Agreement Information (or Tentative Application Information), and / or Online Account Security Information, and / or Financial Transaction Application Information, and / or Rechargeable Prepaid Card Processing Agreement Information, and / or Non-face-to-face Financial Transaction Agreement Information (or Non-face-to-face) It is possible to relay directly to provide a predetermined user interface for receiving financial transaction application information)), whereby the information processing server 155 is connected to the customer terminal 140 through a predetermined network means. The online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and And / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) directly, and the present invention is not limited thereto.

According to another embodiment of the present invention, between the web server 100 and the information processing server 155 relays at least one web server 100 and the information processing server 155, and / or the A predetermined relay server (not shown) which relays the web server 100 and the at least one information processing server 155 and / or relays the at least one web server 100 and the at least one information processing server 155. ) May be further provided, whereby the present invention is not limited.

Referring to Figure 1, the information processing server 155 is the online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 100 via the communication means, and And / or an information receiving unit for receiving online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) ( 185, and a new provision opening unit 180 for opening a new online account corresponding to the online account application information received through the information receiving unit 185 in association with a predetermined financial system; Prepaid card processing unit 175 for processing a prepaid online account with a rechargeable prepaid card, and a trail for managing the online account of the state of the prepaid prepaid card until the real name confirmation for the customer applying for the online account A real name verification unit 165 for confirming whether the real name of the customer of the financial transaction application for the online account opened on the basis of the management account 170 and the online account application information is confirmed within a predetermined real name verification period; When the real name of the online account opened as a new provision is confirmed in response to the online account application information, the new account processing unit 160 is configured to process the online account created as the new provision as a new financial account. do.

The information receiving unit 185 may be configured to provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 100 through the communication means. And / or receive financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face) Financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the provisional provision establishment unit 180.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or finance provided from the web server 100 according to one embodiment of the invention) When transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 185 applies for the encrypted online account. Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance It is preferable to further comprise a function for decoding the transaction agreement information (or non-face-to-face financial transaction application information).

The new provision establishment unit 180 may provide the online account application information (and / or provisional processing agreement information (or provisional application information)), and / or online from the web server 100 through the information receiving unit 185. If account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) are provided, Information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face finance Read the transaction agreement information (or non-face-to-face financial transaction application information) to read the online account application information (and / or the provisional processing agreement information (or the provisional application information), and / or Online accounts corresponding to personal account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It is characterized by establishing as.

Here, the new provision establishment unit 180 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information in / B); And / or a predetermined customer ledger corresponding to non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online To the account ledger includes a register (e. G., Received online account ledger corresponding to the application information) is characterized in that formed.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

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

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 180 is the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 100, and / or online account security information And / or external systems provided in the financial system based on financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And / or a process of opening the online account (for example, registering a predetermined online account ledger) in association with the information system, and providing the result to the prepaid card processing unit 175.

If the person skilled in the art to which the present invention belongs, the detailed procedure for opening the online account (for example, to register a predetermined online account ledger) in conjunction with the financial system, the new establishment section 180 Since it will be familiar with, detailed description thereof will be omitted for convenience.

The prepaid card processing unit 175 is characterized in that the processing of the online account (or online account ledger) opened by the new provision opening unit 180 as a rechargeable prepaid card, wherein the rechargeable prepaid card is a financial real name transaction And withdrawal of a predetermined deposit amount (or recharge amount) without violating the Law on Confidential Security and the Concurrent Enforcement Decree (Presidential Decree No. 15744).

In addition, it is preferable that the online account processed by the prepaid card processing unit 175 as a rechargeable prepaid card has a function of an interest rate linked prepaid card in which a predetermined interest is calculated in the charge amount.

According to an exemplary embodiment of the present invention, the prepaid card processing unit 175 replaces the account ledger information included in the online account ledger with the rechargeable prepaid card information, thereby establishing the online established by the provisional opening unit 180. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 175 replaces the account number included in the online account ledger with a predetermined prepaid card number, replaces the product type with a "rechargeable prepaid card" product, and converts the account interest rate into a prepaid card interlocked interest rate. By replacing the account password with a PIN (Personal Identification Number) for the rechargeable prepaid card and replacing the account balance with the rechargeable prepaid card charge, thereby opening the online established by the provisional opening unit 180. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 175 links and processes predetermined rechargeable prepaid card information in the online account ledger, thereby establishing the online established by the provisional opening unit 180. It is desirable to treat your account (or online ledger) with a rechargeable prepaid card.

For example, the prepaid card processing unit 175 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN and the like, it is preferable to treat the online account (or online account ledger) opened by the provisional opening unit 180 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, the prepaid card processing unit 175 stores predetermined rechargeable prepaid card information in a predetermined database linked to the ledger D / B in which the online account ledger is registered. It is preferable to process the online account (or online account ledger) opened by the opening unit 180 as a rechargeable prepaid card.

For example, the prepaid card processing unit 175 deactivates the account number, product type, interest rate, password, etc. included in the online account ledger, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate and prepaid By storing rechargeable prepaid card information including a card PIN, etc. in a predetermined database linked to the ledger D / B in which the online ledger is registered, the online account (or online) opened by the provisional opening unit 180. It is desirable to treat the ledger as a rechargeable prepaid card.

Thereafter, the new provision management unit 170 is characterized in that by operating the online account opened as the new provision to the rechargeable prepaid card until the real name confirmation for the customer applying for the online account.

According to the method of the present invention, the provisional management unit 170 is to charge the deposit amount in the rechargeable prepaid card when a predetermined amount is deposited (or transferred) to the online account through the financial system. It is characterized by processing.

In addition, when the predetermined amount is withdrawn (or transferred to the account) through the financial system to the online account through the financial system, the withdrawal amount is treated as using the amount charged to the rechargeable prepaid card. It is characterized by.

In addition, when interest is calculated for the amount deposited in the online account (or charged in the rechargeable prepaid card) through the financial system, the new provision management unit 170 charges the interest in the rechargeable prepaid card. It is characterized by.

By treating the online account with a rechargeable prepaid card as described above, the provisional management unit 170 violates the law and the concurrent law (Presidential Decree No. 15744) on financial real name transaction and confidentiality until the real name is verified. prevent.

The real name verification unit 165 is the law and concurrent orders on the financial real name transaction and confidentiality while the online account opened by the new provision opening unit 180 is managed by the new provision management unit 170, According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 165 confirms whether the real name of the customer applying for the online account for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the on-line account application customer in the institution), the real name verification unit 165 is the online authentication for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the In the case where the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 165 is responsible for recognizing the online account through the certificate-based real name verification process defined in the wireless banking system. It is a good idea to verify that the customer's real name is verified.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has executed a real name verification procedure for the online account application customer), the real name verification unit 165 may be a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 165 is provided in the financial system (or provided in the financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 165 is a DM (Direct Mail) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 165 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 165 generates real name verification information for the online account application customer and provides the new account processing unit 160 to the new account processor 160. do.

Or, if the real name for the online account request customer is confirmed within the predetermined real name verification period, the real name verification unit 165 generates unreal name verification information for the online account request customer to the new account processor 160 To provide.

When real name verification information is provided from the real name verification unit 165 including the real name of the online account requesting customer within the real name verification period, the new account processing unit 160 is connected with the financial system. The on-line account processed by the new provision opening unit 180 and / or the new provision management unit 170 as a new provision is characterized in that it is processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 165 including the real name of the online account request customer is confirmed within the real name confirmation period, the new account processing unit 160 Is valid for all financial transactions on the online account processed by the new provision opening unit 180 and / or the new provision management unit 170 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when the lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name confirmation of the online account is set, the new account processing unit 160 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 160 withdraws (or re-transfers) the amount deposited in the withdrawal prevention virtual account to the online account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as the provisional transaction is treated as a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 160 is provided with an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 160 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 185 has the web server 100 the date of opening the online account. From the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the rechargeable prepaid card processing consent information, And / or a date of receiving non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information), or a date of opening the online account on the financial system by the temporary opening establishment unit 180. It is desirable to apply retrospectively to either date.

2 is a diagram showing the configuration of online ledger information according to an embodiment of the present invention.

* In more detail, Figure 2 is for the new information processing to open the online account and operate in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 As shown in the information structure for the registered online account ledger, in detail, the account ledger information included in the online account ledger registered in the ledger D / B is replaced with the rechargeable prepaid card information to thereby correspond to the online ledger. It relates to a method of processing an account with a rechargeable prepaid card.

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

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

* The customer ledger is CIF (Customer Information File) number, country code, contact ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date, status Head office information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

According to the exemplary embodiment of the present invention, the provisional opening unit 180 and / or provisional management unit 170 of the information processing server 155 shown in FIG. 1 are provided with the external system and / or information provided in the financial system. In connection with the system, the telephone number of the customer ledger is characterized in that it comprises customer wireless terminal 150 information for processing at least one or more financial transactions in a non-face-to-face manner without a financial certificate.

According to another exemplary embodiment of the present invention, the provisional opening unit 180 and / or provisional management unit 170 of the information processing server 155 shown in FIG. 1 may be provided with an external system and / or provided in the financial system. In conjunction with the information system, include in the online account ledger and / or the customer ledger and / or customer wireless terminal 150 information for processing at least one or more financial transactions in a non-face-to-face manner in a financial transaction without an accredited certificate. It is possible to include in the predetermined additional information associated with the online ledger, whereby the present invention is not limited.

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, store number, trade variety, transaction type, cash amount, RBI, batch number corresponding to the ledger. No.), compound transaction, date of settlement, bank account line, summary, and transaction details including at least one of the CIF.

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

According to the present invention, the provisional opening section 180 and / or provisional management section 170 of the information processing server 155 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 140 on the online account registration system shown in FIG. It is desirable to be.

* The account number (or prepaid card number) of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account, and the account number of the online account that has been pseudonymized according to the present invention (or Prepaid card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 2, the prepaid card processing unit 175 of the information processing server 155 illustrated in FIG. 1 is connected to an external system and / or information system provided in the financial system to charge the online account ledger. In order to process with a prepaid card, the account number included in the online ledger is replaced with a predetermined prepaid card number, the product type is replaced with a "rechargeable prepaid card" product, the account interest rate is replaced with a prepaid card linked rate The account password is replaced with a PIN (Personal Identification Number) for the rechargeable prepaid card, and the account balance is replaced with a rechargeable prepaid card charge.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

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

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

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

3 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, Figure 3 registers for the new account processing to open the online account and operate in the form of a rechargeable prepaid card in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in Figure 1 The configuration of information on the online account ledger, specifically, by linking and storing predetermined rechargeable prepaid card information in the online account ledger registered in the ledger D / B, the online corresponding to the online ledger It relates to a method of processing an account with a rechargeable prepaid card.

Those of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 3 to establish a preliminary process for opening the online account in the ledger D / B and operating in the form of a rechargeable prepaid card. It will be possible to infer various information construction methods for the online ledger, 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. 3 according to an embodiment of the present invention, the ledger information included in the ledger D / B provided in the DBMS on the financial system includes a predetermined 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 ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and you will be familiar with the specific technical matters, so a detailed description thereof will be omitted for convenience. .

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

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount It includes at least one transaction number, interest rate accounting account, whether the balance of payments, whether the final payment interest, the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., account number corresponding to the account ledger, Periodic receipt information including at least one or more abstentions (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening section 180 and / or provisional management section 170 of the information processing server 155 shown in FIG. 1 is connected to the external system and / or information system provided in the financial system. Generating predetermined pseudo-processing information including the account number (or prepaid card number), the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the real name verification deposit for the online account; Characterized in that the new processing information to the additional information corresponding to the online ledger, characterized in that for storing.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger (eg, a chargeable prepaid card charge).

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 3, the prepaid card processing unit 175 of the information processing server 155 shown in FIG. 1 is connected to an external system and / or information system provided in the financial system to charge the online account ledger. In order to process the prepaid card, the account number, product type, interest rate, password, etc. included in the online ledger is deactivated, prepaid card number, prepaid card charge amount, prepaid card type, prepaid card interlock rate, Rechargeable prepaid card information including a prepaid card PIN and customer wireless terminal 150 information, etc. is characterized in that the information stored in connection with the online account ledger.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

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

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

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal 150 information also corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account. Do.

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

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

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

Referring to Figure 4, the database 410 is characterized in that for storing the new processing information and / or rechargeable prepaid card information, the new processing information and / or rechargeable prepaid card information is the ledger D / It is preferable that the CIF number corresponding to the ledger information is further included in the provisional processing information and / or the rechargeable prepaid card information in order to be processed in association with the B 405.

In FIG. 4, the new provision processing information stored in the database 410 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit. It is done.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 140 on the online account registration system shown in FIG. It is desirable to be.

The account number (or prepaid card number) of the pseudonym processing information is information for linking and processing the pseudonym processing information with the online account, and the account number (or prepaid) of the online account that has been pseudonymized according to the present invention. Card number).

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (405), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account is the date retroactive to the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the provisional processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed. The real name pre-deposit deposit is matched with the account balance of the online ledger (e.g., chargeable prepaid card charge).

In FIG. 4, the rechargeable prepaid card information stored in the database 410 includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, a prepaid card PIN, and a customer wireless terminal 150 information. Characterized in that comprises a.

Here, the prepaid card number is a card number defined for at least one financial transaction through the online account until the customer confirms the real name of the online account, and includes a prepaid card number system of a financial institution equipped with the financial system. It is preferable to make it, and it is preferable that the name is returned to the account number of the new financial account processed by the real name.

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

In addition, the prepaid card charge amount is the amount charged to the rechargeable prepaid card (= online account), it is preferably reduced to the balance of the new financial account processed by the real name after confirming the real name.

The prepaid card interlocked interest rate is an interest rate for calculating interest on an amount charged in the rechargeable prepaid card according to the interest rate of the online account. The prepaid card interlocked interest rate is the real name after the online account is processed blindly. It is desirable to reduce to the interest rate of the new financial account processed.

In addition, the prepaid card PIN is a password defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a certificate before the real name verification of the online account, the real name is processed after the real name verification It is preferable to return to the account password of the new financial account.

In addition, the customer wireless terminal 150 information also corresponds to the authentication number defined for the customer to process at least one or more financial transactions through the online account in a non-face-to-face manner without a public certificate until the real name verification of the online account. Do.

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

In more detail, in FIG. 5, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user terminal 140 may request the online account request user interface. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 100, and the web server 100 receives the online account application information through a predetermined communication means. The process of providing to the information processing server 155 provided in the financial institution, if those of ordinary skill in the art to which the present invention belongs, the customer terminal 140 by referring to and / or modified with reference to FIG. However, various implementation methods for providing the online account application information to the information processing server 155 through the web server 100 may be inferred. It includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

For example, in FIG. 5, only the online account application information is provided from the customer terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the consumer information processing information in the customer terminal 140 (or new application information), and / or online account security information, and / or financial settlement Or application method, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), by which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 155 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 155 provides the online account application information (and / or the provisional processing agreement information (or the provisional application). Information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 5, the customer terminal 140 illustrated in FIG. 1 connects to the web server 100 through a network means including at least one wired and / or wireless communication network (500), and the web. At least one web-based service provided by the server 100 is used (505), wherein the web server 100 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 140 While providing the online account product information for attracting the online subscription for a certain online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online account subscription user interface is subscribed online from the customer terminal 140 to the online account product. Periodically checks if a predetermined online account request user interface is requested for the payment (510), and if the financial product request interface is requested from the customer terminal (140), the web server (100) Generate a predetermined online account application user interface to be provided to 140 (or extract it from a predetermined web source D / B (not shown)) (520) and view the online account application user interface via the network means; Provided to the terminal (525).

Thereafter, the client terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (530), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 140 transmits the online account application information to the web server 100 through the network means (535).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 150) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the financial real name of the online account) is output to the customer terminal 140, and the customer provides the provisional provision information. And an interface for entering (or selecting) provisional processing consent information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. Do.

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 140 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 140 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 5, when the financial real name of the online account corresponding to the online account product is verified and operated before being confirmed, the online account application user interface is applied to the online account processed by the pseudonym. In order to process financial transactions (e.g. deposit, withdrawal, account transfer, etc.) for the online account with a predetermined prepaid rechargeable card to output the rechargeable prepaid card processing information to the customer terminal 140, the customer And an interface for inputting (or selecting) the rechargeable prepaid card processing consent information agreeing with the rechargeable prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal 140 and confirming the agreement is omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing consent information is transmitted to the web server 100 through the network means, or the online prepaid card processing information further includes the rechargeable prepaid card processing consent information. It transmits to the web server 100 through the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, and then, The financial transaction application information input (or selected) is transmitted to the web server 100 through the network means, or the online account application information further includes the financial transaction application information, and the web is connected through the network. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 140, the at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal 140, the client terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to the implementation method of the present invention, the online account request user interface outputs the online account integration operation agreement request information requesting the customer terminal 140 to agree to the online account integration operation, and the customer integrates the online account. When agreeing to the operation, it is preferable to include an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account integrated operation agreement information. It transmits to the web server 100 through the network means.

Thereafter, the web server 100 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or Rechargeable prepaid card processing consent information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are received and stored in a predetermined storage medium 135 (540).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 155. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 155 through a predetermined communication means (545), and the information processing server 155 transmits the web through the communication means. The online account application information provided from the server 100 is received (550).

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

In more detail, in FIG. 6, when the web server 100 illustrated in FIG. 1 provides a predetermined online account request user interface to the customer terminal 140, the user account 140 requests the online account request user interface. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 100, and decrypt the online account application information by the web server 100 The process of providing the online account application information to the information processing server 155 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, refer to FIG. And / or modified to provide the online account application information from the customer terminal 140 to the information processing server 155 through the web server 100. Although the implementation method may be inferred, the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

For example, in FIG. 6, only the online account application information is provided from the client terminal 140 to the web server 100. However, if the user has ordinary knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 100 to the customer terminal 140, in addition to the online account application information in the customer terminal 140, provisional processing agreement information (or provisional application information), and / or online Infer how to provide account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information). However, the present invention is the consumer information processing information in the customer terminal 140 (or new application information), and / or online account security information, and / or financial settlement Applications include the information, and / or rechargeable prepaid card processing agreement information, and / or a non-face-to-face financial transaction information agree exemplary method for providing (or a non-face-to-face financial transaction request information), and to which the present invention is not limited.

In addition, if the person skilled in the art to which the present invention pertains, the web server 100 in response to the security function provided in the communication means for connecting the web server 100 and the information processing server 155 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / Or encrypts and transmits non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and transmits the online account application information (and / or false information processing consent information (or false information) from the information processing server 155. Application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information)) Would be able to infer the exemplary method for decoding, the present invention includes an exemplary method of the inference, to which the present invention is not limited.

Referring to FIG. 6, the customer terminal 140 illustrated in FIG. 1 accesses the web server 100 through a network means including at least one wired and / or wireless communication network (600), and the web. At least one web-based service provided by the server 100 is used (605), wherein the web server 100 provides the web-based service provided to the client terminal 140 to the online account product according to the present invention. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 100 provides at least one web-based service to the customer terminal 140 as described above, the online server subscription user interface is used to subscribe to the financial product online from the customer terminal 140. In order to periodically check whether a predetermined online account request user interface is requested (610), if the financial product request interface is requested from the customer terminal 140 (615), the web server 100 is a predetermined security Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) equipped with the function (620), and send the online account application user interface to the mobile terminal through the network means; Provided (625).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) from the customer terminal 140 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 140 inputs (or selects) predetermined online account application information through the online account application user interface (630), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 140 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface ( And / or attach the electronic signature of the customer to the online account application information) (635), and transmit the encrypted online account application information to the web server 100 via the network means (640).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

In addition, the online account security information may include a predetermined personal identification number (PIN) and / or a customer wireless terminal for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 150) It is preferable that the information is further included, whereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 140, the client terminal 140 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account security information through the network means. Send to the web server 100.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 100.

According to an embodiment of the present invention, the online account application user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (for example, the period during which the online account is processed as a provisional provision before the financial real name verification for the online account) is output to the customer terminal 140, and the customer is the It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional processing period information is included in the terms and conditions information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 140, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 140 to input (or select) the provisional processing agreement information (or provisional application information), the client terminal 140 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional application information), transmitting the input (or selection) provisional processing agreement information (or provisional application information) to the web server 100 through the network means, or Alternatively, the pseudonym processing consent information (or pseudonym application information) is further included in the online account application information and transmitted to the web server 100 through the network means.

As shown in FIG. 6, when the financial real name of the online account corresponding to the online account product is confirmed and operated under a pseudonym, the online account application user interface is applied to the online account processed by the pseudonym. In order to process a financial transaction (eg, deposit, withdrawal, account transfer, etc.), the online account is processed with a predetermined rechargeable prepaid card to output rechargeable prepaid card processing information to the customer terminal 140, and the customer is rechargeable. And an interface for inputting (or selecting) rechargeable prepaid card processing consent information that agrees with the prepaid card processing information.

If the rechargeable prepaid card processing information is already included in the terms and conditions information corresponding to the online account product, the interface for outputting the rechargeable prepaid card processing information to the customer terminal 140 and confirming the agreement is omitted. It's okay.

When an interface for inputting (or selecting) the rechargeable prepaid card processing consent information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the rechargeable prepaid card processing consent information through the interface. Thereafter, the input (or selected) rechargeable prepaid card processing agreement information is transmitted to the web server 100 through the network means, or the online prepaid card processing consent information is further included in the online account application information. To the web server 100 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

If the customer terminal 140 is provided with an interface for inputting (or selecting) the financial transaction application information, the customer terminal 140 inputs (or selects) the financial transaction application information through the interface, Transmitting the input (or selected) financial transaction application information to the web server 100 through the network means, or further including the financial transaction application information in the online account application information, by the web means through the network means. Send to server 100.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 140, the at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions for processing at least one non-face-to-face financial transaction For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the client terminal 140, the client terminal 140 may provide the non-face-to-face finance through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 100 through the network means. .

According to the implementation method of the present invention, the online account request user interface outputs the online account integration operation agreement request information requesting the customer terminal 140 to agree to the online account integration operation, and the customer integrates the online account. When agreeing to the operation, it is preferable to include an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 140, the customer terminal 140 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 100 through the network means, or the online account application information further includes the online account integrated operation agreement information. It transmits to the web server 100 through the network means.

The web server 100 which has received the encrypted online account request information through the network means decrypts the online account request information by a decryption method corresponding to the encryption method (645), and the decrypted online account request information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transactions The consent information (or non-face-to-face financial transaction application information) is stored in the predetermined storage medium 135 (640).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 135 may include the web server 100 (or the web server 100 operator) and the information processing server 155. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 100 transmits the online account application information to the information processing server 155 through a predetermined communication means (645), and the information processing server 155 transmits the web through the communication means. The online account application information provided from the server 100 is received (650).

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

In more detail, in FIG. 7, in the information processing server 155 illustrated in FIG. 1, a predetermined online account is opened based on the online account application information provided from the web server 100, and the online account is charged with a prepaid card. As a person skilled in the art to which the present invention pertains, the online account application provided to the information processing server 155 shown in FIG. It will be possible to infer various implementation methods for processing the online account as a rechargeable prepaid card based on the information, but the present invention includes all the implementation methods inferred, whereby the present invention is not limited.

For example, in FIG. 7, only the online account application information is provided from the web server 100 to the information processing server 155. However, the present invention may be applied to those skilled in the art. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face to face finance It is possible to infer an implementation method in which transaction agreement information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 155, but the present invention may provide the information processing server 155 with the provisional processing agreement information. (Or new application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face payments. Transaction information, and accept (or a non-face-to-face financial transaction request information) contains the exemplary method is further provided, to which the present invention is not limited.

In the following Figure 7, the information processing server 155 shown in Figure 1 will be referred to as "server" for convenience.

Referring to FIG. 7, through the process shown in FIG. 4 and / or 5, predetermined online account application information (and / or provisional processing consent information) from the web server 100 shown in FIG. 1 to the server is shown. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or rechargeable prepaid card processing consent information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). Application information)), the server sends the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and And / or read the rechargeable prepaid card processing consent information and / or the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to confirm that the online account can be opened (700).

If it is not possible to open the online account based on the online account application information (705), the server generates the account opening error information and provides it to the web server 100 (710), the web server 100 In step 715, the account opening error information is transmitted to the customer terminal 140 through a predetermined network means, thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account based on the online account application information (705), the server associates with the financial system a predetermined online account corresponding to the online account application information on the financial system. In operation 720, the online account is processed as a rechargeable prepaid card in connection with the financial system.

According to an exemplary embodiment of the present invention, the server replaces the account ledger information included in the online account ledger with the chargeable prepaid card information as shown in FIG. It is preferable to treat the ledger corresponding to the account with a rechargeable prepaid card.

For example, the server replaces the account number included in the online ledger with a predetermined prepaid card number, replaces a product type with a "rechargeable prepaid card" product, replaces the account interest rate with a prepaid card linked rate, The ledger corresponding to the online account opened by the new provision opening unit 180 by replacing a password with a personal identification number (PIN) for the rechargeable prepaid card and replacing the account balance with a rechargeable prepaid card charge. Is preferably treated with a rechargeable prepaid card.

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

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the rechargeable prepaid card information in association, it is preferable to process the ledger corresponding to the online account opened by the hook opening establishment unit 180 as a rechargeable prepaid card.

According to another exemplary embodiment of the present invention, as shown in FIG. 4, the server sends predetermined rechargeable prepaid card information to a predetermined database 410 linked to the ledger D / B 405 in which the online account ledger is registered. By storing, it is preferable to process the ledger corresponding to the online account opened by the provisional opening unit 180 as a rechargeable prepaid card.

For example, the server deactivates an account number, a product type, an interest rate, a password, etc. included in the online ledger, and includes a prepaid card number, a prepaid card charge amount, a prepaid card type, a prepaid card interlock rate, and a prepaid card PIN. By storing the prepaid rechargeable card information in a predetermined database 410 linked to the ledger D / B 405 in which the online account ledger is registered, thereby corresponding to the online account opened by the provisional opening unit 180. It is desirable to treat the ledger with a rechargeable prepaid card.

Thereafter, the server (or the web server 100) may be configured to provide customer information (or customer information included in the online account application information) corresponding to the online account through a predetermined communication means, and a web server operating the online account ( 100, information on the finance company in which the online account is opened, and online account information provided in the financial system are transmitted to the relay server shown in FIG. 17 (730), and the relay server includes the customer information and the web server ( 100) the information, the financial company information and the online account information is processed in association with the relay server shown in Figure 17 and transmitted to the predetermined storage medium 135 to store (735), whereby the customer is connected to the web server 100 (Or an online account linked financial transaction request), an online account of the customer's name opened through at least two web servers 100 through the relay server is integrated and operated.

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

In more detail, FIG. 8 illustrates a predetermined new financial account by performing a real name verification process for an online account processed with the rechargeable prepaid card through the process shown in FIG. 7 through the online account registration system shown in FIG. As one of ordinary skill in the art to which the present invention pertains, various implementations of verifying the real name of the online account processed with the rechargeable prepaid card by referring to and / or modifying the drawing 8 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 8, the information processing server 155 on the online account registration system shown in FIG. 1 is referred to as " server " for convenience.

Referring to FIG. 8, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. In response to a customer real name verification event from a financial transaction system The 800.

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

If the real name for the online account request customer is not confirmed (805), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in association with the financial system (810).

If the real name verification period for the online account has not elapsed in response to the online account application information (815), the server repeats the process of confirming the customer real name for the online account processed with the rechargeable prepaid card.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (815), the server is linked to the financial system and the predetermined amount of money deposited in the online account corresponding to the online account application information (E.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account in response to the online account application information), and processes the online account as a dormant account in response to the online account application information ( 820).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (805), the server, in conjunction with the financial system to return the online account processed by the rechargeable prepaid card to the original online account (825) In step 830, the online account is processed as a new financial account whose real name is confirmed in connection with the financial system.

According to the method of the present invention, when the online account in the form of a rechargeable prepaid card is processed into the new financial account, the prepaid card number is reduced to the account number and the prepaid card charge is reduced to the account balance. The prepaid card linkage rate is reduced to the interest rate of the account, the prepaid card charge / use history is preferably reduced to the financial transaction history for the account.

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

9 is a diagram illustrating an online account registration system according to another exemplary embodiment of the present invention.

In more detail, FIG. 9 illustrates that the web server is provided by providing online account application information to open an online account from a predetermined customer terminal 940 to a predetermined web server 900 through a predetermined network means. By providing the online account application information provided from the customer terminal 940 to a predetermined information processing server 955 provided in a predetermined financial institution at 900, the information processing server 955 is provided to the online account application information. As a system configuration for opening a corresponding online account, specifically, the online account is a predetermined web server 900 operating institution (for example, a web server 900 operating institution for opening and operating the online account) or a financial institution. (E.g., a system configuration for opening an online account in the form of a virtual account having a real account operated by a financial institution in which the online account is opened). The drawings.

Persons of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 9 to form a virtual account whose parent account is the real account operated by the web server 900 operating institution (or financial institution). Although it is possible to infer an implementation method for a system for registering various types of online accounts in addition to the online account of the present invention, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, a person of ordinary skill in the art to which the present invention pertains may refer to an implementation method for a system for registering a line account in the form of a new account in which a rechargeable prepaid card concept is introduced by referring to and / or modifying the drawing 9. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 9 according to an embodiment of the present invention, an online account registration system for registering an online account in the form of a virtual account having a real account operated by the web server 900 operating institution (or financial institution) as a parent account. Connects to a predetermined web server 900 (e.g., a portal server, etc.) through a predetermined network means and requests the online account registration (or opening) without real name verification, and registers the online account (or A customer terminal 940 that provides predetermined online account application information to the web server 900, and is connected to the customer terminal 940 through predetermined network means from the customer terminal 940. A web server 900 for receiving predetermined online account application information and providing the received online account application information to an information processing server 955 provided in a predetermined financial institution; Is connected via a communication means of receiving the online account application information from the web server 900, and the online account corresponding to the online account application information in the customer name based on the received online account application information And an information processing server 955 to open and process the online account, and a financial system for operating the online account processed by the provisional rules.

Here, the financial system is a computer system provided in a financial institution to open at least one financial account for at least one financial transaction customer, and provide at least one financial transaction service based on the financial account, at least one An accounting system for processing window services such as credit or reception or trust or foreign exchange occurring at the above branch (or window); an information system for processing the headquarters business, branch office information support and customer information management; and the financial system and at least Interconnection between one or more other financial systems (and / or payment systems), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip-based wireless banking) provided in at least one external communication network. , Telebanking, TV banking, etc.) to access the financial system, and / or At least one external network that provides a variety of financial transaction interfaces through a common network (eg, CD common network, financial common network), characterized in that the financial system is provided with the interfacing between components in the financial system Interface module corresponding to the middleware platform provided, and predetermined information (for example, ledger information, and / or customer information, and / or management information, etc.) required for performing each function in the components of the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing the data, and the financial transaction through the financial system is performed by the financial account. And real-name financial accounts corresponding to the concurrent decree (Presidential Decree No. 15744). If the treatment is effective in being.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 950 (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to a portable mobile Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal 950 (eg, wireless terminal 950 equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to at least one financial transaction customer.

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may include at least one customer terminal of a wired terminal 945 connected to a predetermined wired communication network and / or a wireless terminal 950 connected to a predetermined wireless communication network. The 940 is connected to the web server 900 and receives various application services provided by the web server 900.

Here, the wired terminal 945 connected to the wired communication network among the customer terminals 940 is a general term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

Further, the wireless terminal 950 connected to the wireless communication network may include all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or Motorola. General term for all terminal devices connected to the company's DataTAC method and / or Erricson's Mobitex method wireless data communication network, and are connected to the CDMA-based mobile communication network (Personal Communication System; PCS) and / or GSM (Global System for Mobile communications). Terminal and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminal and / or Personal Digital Assistant (PDA) and / or smart phone and / or Or Telematics, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or the DataTAC / Mobitex based wireless It comprises a wireless data communication terminal connected to a data communication network, such as at least one is preferable.

The web server 900 provides at least one information / content to the customer terminal 940 including at least one of the wired terminal 945 and / or the wireless terminal 950 through the wired communication network and / or the wireless communication network. Portal server and / or search that provide a search service, including, and / or a personalization service, including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to include a server.

According to the present invention, at least one information sale service provided by the web server 900 to the customer terminal 940 is sold to at least one or more customers online by the financial institution (or a new establishment request). And the financial product information, wherein the financial product information comprises at least one online account product information for the customer to register the online account.

The web server 900 may also include at least one user interface for the customer to apply for (or purchase) the financial instrument (eg, the online account) via a network means including the wired network and / or a wireless communication network. To the customer terminal 940, wherein the customer terminal 940 includes the wired communication network and / or a wireless communication network by inputting (or selecting) the online account application information through the user interface. It is characterized in that the transmission to the web server 900 via a network means.

To this end, the client terminal 940 outputs at least one user interface provided from the web server 900, and inputs and / or selects at least one online account application information through the user interface to the web server. 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 web server 900, etc.) for transmitting to the 900 be provided.

Those skilled in the art to which the present invention pertains output at least one user interface provided from the web server 900 as described above, and input at least one online account application information through the user interface. Since the features of the at least one wire terminal 945 and / or the wireless terminal 950 corresponding to the at least one wire terminal 945 to be selected and / or transmitted to the web server 900 can be easily inferred, Detailed description thereof will be omitted for convenience.

According to an embodiment of the present invention, the web server 900 is characterized by comprising an interface unit 905 for connecting and managing a predetermined communication channel with the customer terminal 940 through the network means.

According to an embodiment of the present invention, when the customer terminal 940 includes a wired terminal 945 and / or a wireless terminal 950 connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 905 ) Connects a predetermined communication channel with the customer terminal 940 based on a protocol stack defined in the wired network and / or wireless network, and uses a communication protocol defined in a communication program provided in the customer terminal 940. It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data).

For example, when the browser terminal corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal 940, the interface unit 905 may be configured to execute the client terminal 940 based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal 940 is provided with a communication program provided by the web server 900, the interface unit 905 establishes a communication channel with the client terminal 940 based on the TCP / IP protocol. And a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal 940 includes a wireless terminal 950 connected to a predetermined wireless communication network, the interface unit 905 is based on a protocol stack defined in the wireless network. Connecting a predetermined communication channel with the customer terminal 940, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the customer terminal 940. It is desirable to.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a ME (Mobile Explorer) protocol is provided in the customer terminal 940, the interface unit 905 may be configured based on the CDMA protocol. 940 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Referring to FIG. 9, the web server 900 may be configured such that a predetermined client terminal 940 accesses the web server 900 and / or applies for an online account through the interface unit 905. ) (Or extract from a predetermined web source D / B (not shown)) a predetermined user interface that allows the client terminal 940 to input (or select) and transmit predetermined online account application information. An interface account 910 provided to the client terminal 940 and a predetermined online account inputted (or selected) from the client terminal 940 via the user interface in association with the interface unit 905. An information receiving unit 920 for receiving application information and an information relay unit 930 for providing the received online account application information to an information processing server 955 provided to a financial institution through a predetermined communication means. It is characterized by falling.

In addition, the web server 900 may be connected to the interface unit 905 to at least one or more customer terminals 940, including a search service including at least one or more information / content, and / or a personalized homepage / blog. And a web service unit 915 for providing a web-based service including at least one service, and / or a mail service, and / or a messenger service, and / or various information providing services. Those skilled in the art, the web server 900 provides the web-based service to at least one customer terminal 940 to perform the functions of the portal server and / or search server. Since it will be familiar with, detailed description thereof will be omitted for convenience.

In addition, the web server 900 stores information for storing the received online account application information in a predetermined storage medium 935 for post management of the online account application information received through the information receiver 920. It is preferable that the part 925 is further provided.

The interface providing unit 910 has a function provided in the customer terminal 940 when a predetermined customer terminal 940 accesses the web server 900 and / or applies for an online account through the interface unit 905. In response to the configuration, the user may input (or select) the online account application information and generate a predetermined user interface capable of transmitting to the web server 900 through the network means, and / or from a predetermined database (not shown). Extracting, and providing the user interface generated through the network means to the client terminal 940 via the network means in conjunction with the interface unit 905. It is done.

Thereafter, the client terminal 940 inputs (or selects) the online account application information based on the user interface, and transmits the input (or selected) online account application information to the web server 900 through the network means. To send).

According to an embodiment of the present invention, when the customer terminal 940 includes a wired terminal 945 connected to a predetermined wired communication network, the interface providing unit 910 is a browser provided in the wired terminal 945. Generates a predetermined user interface (or extracted from a predetermined web source D / B (not shown)) that can be provided as a program and / or a communication program, and generates the generated (or predetermined web source D through the interface unit 905). It is preferable to provide a user interface extracted from / B (not shown) to the customer terminal 940.

According to another exemplary embodiment of the present invention, when the customer terminal 940 includes a wireless terminal 950 connected to a predetermined wireless communication network, the interface providing unit 910 is provided in the wireless terminal 950. Generate a predetermined user interface (or extract from a predetermined web source D / B (not shown)) that can be provided to a browser program and / or a communication program, and generate the generated (or predetermined web source) through the interface unit 905. It is desirable to provide a user interface extracted from a D / B (not shown) to the customer terminal 940.

According to an embodiment of the present invention, a user interface for receiving (or selecting) predetermined online account application information from the client terminal 940 in the web server 900 may include at least one online account product (or financial product). And an interface for selecting at least one or more online account products (or financial products) to which the customer applies (or purchases).

In addition, when the online account product corresponding to the online account application information corresponds to an online account in the form of free and withdrawal, the user interface for receiving (or selecting) the online account application information may be configured to correspond to the online account product. And an interface for outputting online account product detail information such as online account product name and interest rate information to the customer terminal 940 and confirming that the customer has confirmed the online account product detail information. When the online account product corresponding to the online account application information corresponds to an online account in the form of a financial investment product, the user interface for receiving (or selecting) the online account application information may include the online corresponding to the online account product. Account Name and Investment Period And preferably outputs an online account item detailed information, such as the expected rate of return information to the client terminal 940, and obtained by the customer contains the interface to ensure that the check for the online account item details.

In addition, the user interface for inputting (or selecting) the online account application information outputs the terms and conditions information corresponding to the online account product to the customer terminal 940, and provides an interface for the customer to agree to the terms. It is preferable to comprise.

The user interface for inputting (or selecting) the online account application information may include: an interface for inputting an amount of money to be deposited (or invested) by the customer into an online account corresponding to the online account product; It is preferable to include an interface for inputting predetermined mother account information to deposit (or transfer account) to the account.

In addition, the user interface for inputting (or selecting) the online account application information may include customer personal information (eg, customer name, social security number, telephone number, mobile phone number, address, mail, etc.) for the customer applying for the online account product. And / or an interface for inputting (or selecting) an address, etc.) and / or for inputting (or selecting) the customer member information (eg, customer ID information and password information) included in the web server 900. desirable.

Thereafter, the customer terminal 940 selects at least one online account product to which the customer applies (or purchases) among the plurality of online account products through the user interface, and the online account product selection information, and the online account product. Input (or select) online account application information including at least one or more terms and conditions agreement information, the online account deposit amount information, and at least one customer information of the customer applying for the online account, and the web server through the network means. To 900.

According to an embodiment of the present invention, a user interface for inputting (or selecting) the online account application information comprises: an account password for an online account corresponding to the online account application information, and / or at least one through the online account. And an interface for inputting (or selecting) online account security information including at least one financial transaction password or the like for processing the non-face-to-face financial transaction.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 950) it is preferable to further include information, thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the client terminal 940, the client terminal 940 may input (or select) online account security information through the interface. Thereafter, the input (or selected) online account security information is transmitted to the web server 900 through the network means, or the online account application information further includes the online account security information through the network means. It transmits to the web server 900.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 900.

According to an embodiment of the present invention, a user interface for receiving (or selecting) the online account application information may be configured to access the online account until the financial real name of the online account corresponding to the online account application information is confirmed. Output to the customer terminal 940 the provisions of the provisions of the new provisions and the processing period information (eg, the period in which the online account is processed as a provisional provision before the verification of the financial real name of the online account) indicating that the processing is performed; Input (or select) provisional processing consent information for which the customer agrees to the provisional provisional terms information and provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account; It is preferable to include an interface).

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 940, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 940 for inputting (or selecting) the provisional processing agreement information (or provisional application information), the client terminal 940 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 900 through the network means, or Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 900 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information at an operation institution (or financial institution) of the web server 900. In order to open a real account to be operated as a virtual account in the form of a virtual account, the parent account operating institution information including at least one or more web server 900 operating institutions (or financial institutions), and the real account operating in the parent account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When the customer terminal 940 is provided with an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information, the customer terminal 940 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 900 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 900 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. The user interface for inputting (or selecting) the online account application information is not established, and / or the online account application customer has no history of financial transactions with the financial institution. And 940), an interface for outputting financial transaction application terms and conditions information for processing the first financial transaction with the financial institution, and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 940, the client terminal 940 inputs (or selects) the financial transaction application information through the interface, and then, Transmits the input (or selected) financial transaction application information to the web server 900 through the network means, or further includes the financial transaction application information in the online account application information, the web server through the network means. To 900.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (e.g., If you are not an Internet banking member, a wireless banking member, a TV banking member, a home banking member, or the like), the user interface for receiving (or selecting) the online account application information is the financial institution to the customer terminal 940. And processing at least one non-face-to-face financial transaction through at least one non-face-to-face financial transaction channel. For non-face-to-face financial transaction terms information (e.g., internet banking subscription terms information, or wireless banking subscription terms information, or TV banking subscription terms information, or home banking subscription terms information, etc.) And an interface for inputting (or selecting) non-face-to-face financial transaction agreement information and / or non-face-to-face financial transaction application information for which the customer applies for the non-face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 940, the customer terminal 940 is provided to the non-face-to-face through the interface. After entering (or selecting) financial transaction consent information (or non-face-to-face financial transaction application information), the input (or selected) non-face-to-face financial transaction consent information (or non-face-to-face financial transaction application information) is inputted through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 900 through the network means. do.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information outputs the online account integration operation agreement request information requesting the customer terminal 940 to agree to the online account integration operation. And, if the customer agrees to the online account integration operation, preferably comprises an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 940, the customer terminal 940 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 900 through the network means, or the online account application information further includes the online account integrated operation agreement information. To the web server 900 via the network means.

When the customer terminal 940 inputs (or selects) predetermined online account application information through the user interface and transmits the information through the network means, the information receiving unit 920 works in conjunction with the interface unit 905. And receiving the online account application information and providing the received online account application information to the information relay unit 930 and / or the information storage unit 925.

Here, the online account application information may include online account product selection information for selecting at least one or more online account products to which the customer applies (or purchases) among the plurality of online account products, and agreement terms corresponding to the online account products. Information and at least one online account deposit amount information is preferably included.

In addition, the customer terminal 940 inputs (or selects) predetermined online account security information through the user interface and transmits it through the network means, or the online terminal security information is transmitted from the customer terminal 940. When the transmission is included in the online account application information, the information receiving unit 985 receives the online account security information in conjunction with the interface unit 905, and relays the received online account security information to the information. Provided to the unit 930 and / or information storage unit 925.

In addition, the client terminal 940 inputs (or selects) predetermined provisional processing consent information (or provisional application information) through the user interface and transmits the information through the network means, or the client terminal 940. In the case where the provisional processing agreement information (or provisional application information) is included in the online account application information and transmitted, the information receiving unit 985 cooperates with the interface unit 905 to provide the provisional processing agreement information (or And provisional application information), and provide the received provisional processing agreement information (or provisional application information) to the information relay unit 930 and / or the information storage unit 925.

In addition, the client terminal 940 inputs (or selects) virtual account processing information including the mother account management institution information and the mother account information through the user interface and transmits the information through the network means, or the client terminal 940. When the virtual account processing information is included in the online account request information and transmitted, the information receiving unit 985 is linked with the interface unit 905 to process the virtual account information including the mother account institution information and the mother account information. And receiving the received virtual account processing information to the information relay unit 930 and / or the information storage unit 925.

In addition, the client terminal 940 inputs (or selects) predetermined financial transaction application information through the user interface and transmits it through the network means, or sends the financial transaction application information to the client terminal 940. When the information is included in the online account application information and transmitted, the information receiving unit 985 receives the financial transaction application information in conjunction with the interface unit 905, and relays the received financial transaction application information to the information relay. Provided to the unit 930 and / or information storage unit 925.

In addition, the customer terminal 940 inputs (or selects) predetermined non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) through the user interface, and transmits it through the network means, or the customer terminal If the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is included in the online account application information at 940, the information receiving unit 985 interworks with the interface unit 905 to transmit the non-face-to-face financial transaction agreement information. And receiving the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and receiving the received non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) from the information relay unit 930 and / or. Or to the information storage unit 925.

In addition, the customer terminal 940 inputs (or selects) predetermined online account integrated operation agreement information through the user interface and transmits the information through the network means, or the online terminal integrated operation in the customer terminal 940. When the consent information is included in the online account application information and transmitted, the information receiving unit 985 receives the online account integrated operation consent information in association with the interface unit 905, and the received online account The integrated operation agreement information is provided to the information relay unit 930 and / or the information storage unit 925.

The information storage unit 925 stores the online account application information received through the information receiving unit 985 in a predetermined storage medium 935, whereby the web server 900 (or the web). The server 900 operating agency) provides a basis for receiving a fee for attracting the online account application customer from the financial institution based on the online account application information stored in the storage medium 935.

When the online account security information is received through the information receiving unit 985, the information storage unit 925 associates the online account security information with the online account application information and stores the information in the storage medium 935. The online account security information is used by the web server 900 (or a financial transaction server using the online account) to authenticate at least one financial transaction using the online account.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 985, the information storage unit 925 adds the provisional processing agreement information (or provisional provisions) to the online account application information. Request information) is linked and stored in the storage medium 935, and the provisional processing agreement information (or provisional application information) is the web server 900 (or financial transaction using the online account). Server) provides a basis for processing at least one or more financial transactions using the online account until the financial real name is verified for the online account.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 985, the information storage unit 925 processes the virtual account processing information in association with the online account application information. And storing the information in the storage medium 935. The virtual account processing information may be stored in the online account until the financial real name of the online account is confirmed by the web server 900 (or a financial transaction server using the online account). Provides a basis for processing at least one or more financial transactions using a virtual account based on a real account operated by the web server 900 operating institution (or financial institution).

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 985, the information storage unit 925 transmits the non-face-to-face financial transaction agreement information (the non-face-to-face financial transaction agreement information). Alternatively, the non-face-to-face financial transaction application information) may be stored in the storage medium 935, and the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) may be stored in the web server 900. (Or a financial transaction server using the online account) provides a basis for processing at least one or more financial transactions using the online account until the financial real name of the online account is verified.

When the online account integrated operation agreement information is received through the information receiving unit 985, the information storage unit 925 associates the online account integrated operation agreement information with the online account application information to process the storage medium 935. It is characterized in that stored in, by which the online account opened through at least one or two different web server 900 is integrated operation.

According to the method of the present invention, the information storage unit 925, when the predetermined online account corresponding to the online account application information is opened by the information processing server 955, the web server 900 (or the The online account information (not shown) opened by the information processing server 955 to process the at least one financial transaction using the online account in the storage medium 935. It is preferable to further store the linkage process, and the present invention is not limited thereby.

The information relay unit 930 corresponds to the online account product (for example, the online account corresponding to the online account product) through the predetermined means of communication with the online account application information received through the information receiving unit 985. It is characterized in that the relay transmission to the information processing server (955) provided in the financial institution (opened).

Here, the communication means for connecting the web server 900 and the information processing server 955 may be a dedicated communication network that blocks access by a third party other than the web server 900 and the information processing server 955, and / or Secure communication network that provides a secure communication function between the web server 900 and the information processing server 955 (for example, the web server 900 encrypts the online account application information by a predetermined encryption method to the information processing server 955). And a communication network for decrypting the online account application information through a decryption scheme corresponding to the encryption scheme in the information processing server 955).

When the online account security information is received through the information receiving unit 985, the information relay unit 930 corresponds to the online account product through the predetermined communication means (eg, the online account). And relaying to the information processing server 955 provided at the financial institution where the online account corresponding to the product is opened, whereby the information processing server 955 transmits the web to the financial system provided at the financial institution. The server 900 opens an online account for processing a financial transaction through the online account security information.

When the provisional processing agreement information (or provisional application information) is received through the information receiving unit 985, the information relay unit 930 communicates the provisional processing agreement information (or provisional application information) with a predetermined communication. Means for relaying through the means to an information processing server 955 provided in a financial institution corresponding to the online account product (e.g., an online account corresponding to the online account product is opened), thereby processing the information. The server 955 opens a new online account corresponding to the online account application information in a financial system provided in the financial institution.

When the financial transaction application information is received through the information receiving unit 985, the information relay unit 930 corresponds to the online account product through the predetermined communication means (eg, the online account). It is characterized in that the transmission to the information processing server 955 provided in a financial institution (in which an online account corresponding to a product is opened) is transmitted, whereby the information processing server 955 allows the customer to apply for the online account. Although not a customer, an online account corresponding to the online account application information is opened in a financial system provided in the financial institution in the form of at least one financial transaction.

When the virtual account processing information including the mother account management institution information and the mother account information is received through the information receiving unit 985, the information relay unit 930 sends the virtual account processing information to the online account through a predetermined communication means. And relaying the information to the information processing server 955 provided at a financial institution corresponding to the product (eg, an online account corresponding to the online account). An online account corresponding to the online account application information is opened in a financial system provided at a financial institution in the form of a virtual account having a real account operated by the web server 900 operating institution (or financial institution) as a parent account.

When the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is received through the information receiving unit 985, the information relay unit 930 may apply the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application). Information) through a predetermined communication means and relayed to the information processing server 955 provided in a financial institution corresponding to the online account product (for example, an online account corresponding to the online account product is opened). In this way, the information processing server 955 opens an online account in a non-face-to-face processing of the financial transaction using the online account in the web server 900 in the financial system provided in the financial institution.

When the online account integration operation agreement information is received through the information receiving unit 985, the information relay unit 930 transmits the online account integration operation agreement information to a relay server illustrated in FIG. 17 through a predetermined communication means. It is characterized in that to store in a predetermined storage medium 935, whereby an online account opened through at least one or more different web server 900 is integrated operation.

According to another exemplary embodiment of the present invention, when the information processing server 955 has a web server 900 function and / or the information processing server 955 is a predetermined banking server, the information relay unit ( 930 links and relays the customer terminal 940 and the information processing server 955, thereby providing the online account application information (and / or a provisional rule) from the customer terminal 940 at the information processing server 955. Processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or non-face-to-face financial transactions). It is possible to relay directly to provide a predetermined user interface for receiving the application information)), whereby the information processing server 955 is provided from the customer terminal 940 via the predetermined network means. Account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face to face It is possible to directly receive financial transaction agreement information (or non-face-to-face financial transaction application information), whereby the present invention is not limited.

According to another embodiment of the present invention, between the web server 900 and the information processing server 955 relays at least one web server 900 and the information processing server 955, and / or the Any relay server (not shown) that relays the web server 900 and at least one information processing server 955 and / or relays at least one web server 900 and at least one information processing server 955. Omission) may be further provided, whereby the present invention is not limited.

Referring to Figure 9, the information processing server 955 is online account application information (and / or provisional processing agreement information (or provisional application information)) provided from the web server 900 via the communication means, and And / or an information receiving unit 985 for receiving online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). And a new provision establishing unit 980 for opening a new online account corresponding to the online account application information received through the information receiving unit 985 in association with a predetermined financial system, and the online established with the new provision. The virtual account processing unit 975 for processing an account in the form of a virtual account whose real account is operated by the web server 900 operating institution (or financial institution) as a parent account, and the online account of the virtual account type. Confirm the real name of the financial transaction application customer for the online account opened in correspondence with the online account application information and the real name of the financial transaction application customer managed before the real name verification for the account applicant customer within a predetermined real name verification period A real name verification unit 965 for checking whether the real name of the online account opened under the provisional provisions corresponding to the online account application information is confirmed, and a new financial account for processing the online account created with the provisional provision as a new financial account; It is characterized by comprising an account processing unit 960.

The information receiving unit 985 may provide online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information provided from the web server 900 through the communication means. And / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information)) is provided to the provisional establishment section 980.

Online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial) provided from the web server 900 in accordance with one embodiment of the present invention. When transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are encrypted, the information receiver 985 provides the encrypted online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)).

The provisional establishment section 980 is the online account application information (and / or provisional processing agreement information (or provisional application information), and / or online) from the web server 900 via the information receiving unit 985 If the account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are provided, the online account application information ( And / or the provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information ( Or non-face-to-face financial transaction application information)) to read the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, through a predetermined financial system, and / or In addition Is characterized by opening a new online account corresponding to the financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information).

Here, the provisional opening section 980 is the online account application information (and / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and Opening an online account corresponding to virtual account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) on a temporary basis may include: The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or financial transaction application information, and / or the virtual account processing information, and / or A predetermined customer ledger corresponding to the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) (which may be omitted if the customer ledger is already registered) and / or at least one online account ledger (eg, Characterized by comprising the registering the received director) corresponding to the online account application information.

According to one embodiment of the invention, the online ledger for the online account corresponding to the online account application information, the ledger in the form of an account ledger corresponding to the newly opened online account based on the online account application information It is desirable to register with D / B and store predetermined false information for managing the online account in association with the online ledger.

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

The online account corresponding to the registered online account ledger is not a real name financial account corresponding to the Financial Real Name Transactions and Confidentiality Act and the Concurrent Decree (Presidential Decree No. 15744), and therefore, finance through the non-real name financial account. Transactions are a violation of the above law.

However, it is possible to deposit a predetermined amount (or deposit amount) into the online account by the Act on Financial Real Name Transactions and Confidentiality and Concurrent Act (Presidential Decree No. 15744).

That is, the new provision establishment unit 980 may provide the online account application information (and / or provisional processing consent information (or provisional application information)) received through the web server 900, and / or the online account security information. And / or external systems provided to the financial system on the basis of financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Alternatively, a procedure (eg, a procedure of registering a predetermined online account ledger) for opening the online account in association with the information system is performed, and the result is provided to the virtual account processor 975.

If the person skilled in the art to which the present invention pertains, the detailed procedure for opening the online account (for example, registering a predetermined online account ledger) is linked to the financial system. Since you will be familiar with the detailed description thereof will be omitted for convenience.

The virtual account processing unit 975 is a parent account that manages the online account (or online account ledger) opened by the provisional opening unit 980 in the web server 900 operating institution (or financial institution). It is characterized in that the processing into a virtual account.

According to an embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 900 operating institution (or financial institution) as a parent account is the conventional virtual account. It does not include account ledger information, but real account ledger information that can be processed into a new account in the form of a real account when checking the financial real name of the online account (eg, including an account number that follows an account number system corresponding to the real account). Ledger information), and it is preferable that the real account operated by the web server 900 operating institution (or financial institution) is treated as a virtual account before the real name verification of the online account is performed. .

According to another embodiment of the present invention, the online account ledger corresponding to the online account processed in the form of a virtual account having a real account operated by the web server 900 operating institution (or financial institution) as the parent account is the web. The server 900 may include virtual account ledger information (for example, ledger information including an account number conforming to the virtual account numbering system) having a real account operated by an operating institution (or a financial institution), in which case It is possible to convert (or replace) the virtual account ledger information into real account ledger information (eg, ledger information including an account number conforming to the account number system corresponding to the real account) when the financial real name of the online account is confirmed. The present invention is not limited thereby.

* After that, the new provision management unit 970 is a parent account operated by the operating institution (or financial institution) of the web server 900 until the real name confirmation for the online account application customers with the online account opened as the new provision It is characterized by operating by processing to a virtual account.

According to an embodiment of the present invention, the provisional management unit 970 processes the deposit amount into the virtual account when a predetermined amount is deposited (or transferred) into the online account through the financial system. (Eg, depositing the deposit amount into a real account corresponding to the parent account of the virtual account).

In addition, when a predetermined amount is withdrawn (or transferred) to the online account through the financial system, the provisional management unit 970 processes the withdrawal amount to withdraw the amount deposited in the virtual account (for example, And withdrawing the withdrawal amount from the real account corresponding to the mother account of the virtual account.

In addition, when interest for the amount deposited in the online account is calculated through the financial system, the new management unit 970 operates the interest in the web server 900 operating institution (or financial institution). Characterized in that the interest processing of the online account of the virtual account form of the account as the parent account.

As described above, by processing the online account as a virtual account of the real account operated by the web server 900 operating institution (or financial institution) as a parent account, the new provision management unit 970 finances the online account until the real name is verified. Prevent violations of the Real Name Trade and Confidentiality Act and the Concurrent Act (Presidential Decree No. 15744).

The real name verification unit 965 is the law and simultaneous enforcement of the financial real-name system transactions and confidentiality while the online account opened by the new provision establishment unit 980 is managed by the new provision management unit 970 According to the financial real name verification procedure corresponding to (Presidential No. 15744), it is characterized by checking whether the real name of the customer applying for the online account is confirmed within a predetermined real name verification period.

According to an exemplary embodiment of the present invention, the real name verification unit 965 confirms whether the real name of the online account application customer for the online account is confirmed through the window terminal financial transaction system through the window terminal associated with the financial system. It is desirable to.

According to another exemplary embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is an Internet banking customer corresponding to the financial institution (eg, the financial The real name verification process for the online account application customer in the institution), the real name verification unit 965 is the online certificate for the online account through the certificate-based real name verification process defined in the Internet banking system It is advisable to verify that the real name of the customer applying for the account is confirmed.

According to another exemplary embodiment of the present invention, if the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a wireless banking customer corresponding to the financial institution (eg, the When the financial institution has implemented the real name verification process for the customer applying for the online account), the real name verification unit 965 is responsible for retrieving the online account through the certificate-based real name verification process defined in the wireless banking system. It is advisable to verify that the customer's real name is applied for an online account.

According to another embodiment of the present invention, the online account applying customer is a conventional financial transaction customer for the financial institution, and the online account applying customer is a telebanking and / or home banking corresponding to the financial institution, and // Or a TV banking customer (e.g., when the financial institution has performed a real name verification procedure for the customer applying for the online account), the real name verification unit 965 is a certificate-based real name defined in the wireless banking system. It is possible to confirm whether the real name of the customer applying for the online account for the online account is confirmed through the verification procedure, and the present invention is not limited thereto.

According to an embodiment of the present invention, the real name verification unit 965 is provided in the financial system (or provided in the financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is desirable to periodically request the online account applying customer to perform a real name verification procedure for the online account using a telemarketing function.

Alternatively, the real name verification unit 965 is a direct mail (DM) function provided in the financial system (or provided in a financial institution) to confirm the real name of the customer applying for the online account within a predetermined real name verification period. It is preferable to periodically request the online account requesting customer to perform a real name verification procedure for the online account using.

Alternatively, when the online account application customer is a conventional financial transaction customer for the financial institution, the real name verification unit 965 checks the real name for the online account application customer within a predetermined real name verification period, the online A terminal terminal-based financial transaction corresponding to the financial institution, and / or a financial terminal-based financial transaction including a CD / ATM, and / or an internet banking-based financial transaction, and / or a wireless banking-based financial transaction; and And / or during a telebanking based financial transaction, and / or a home banking based financial transaction, and / or a TV banking based financial transaction, in connection with the financial transaction system, perform the real name verification procedure for the online account to the online account applicant. It is desirable to request.

If the real name of the online account applicant is confirmed within a predetermined real name verification period, the real name verification unit 965 generates the real name verification information for the online account application customer and provides it to the new account processing unit 960. do.

Or, if the real name for the online account request customer is confirmed within the real name verification period, the real name verification unit 965 generates unreal name verification information for the online account request customer to provide to the new account processing unit 960 do.

When the real name confirmation information is provided from the real name confirmation unit 965, the real name confirmation information including the confirmation of the real name for the customer applying for the online account within the real name confirmation period, the new account processing unit 960 is linked with the financial system The online account processed as a new provision by the new provision opening unit 980 and / or the new provision management unit 970 is characterized as being processed as a valid new financial account.

According to the method of the present invention, when real name confirmation information is provided from the real name confirmation unit 965 including the real name of the online account request customer is confirmed within the real name confirmation period, the new account processing unit 960 Is valid for all financial transactions on the online account processed by the new establishment part 980 and / or the new provision management part 970 in association with the external and / or information systems provided in the financial system. It is preferable to process with a new financial account.

According to an embodiment of the present invention, when a lock is set such that the amount deposited in the opened online account is not withdrawn by any financial transaction until the real name verification for the online account is set, the new account processing unit 960 It is preferable to unlock the online account in connection with the external and / or information systems provided in the financial system, whereby the online account processed as the provisional provision is a valid new financial account capable of all financial transactions. Is processed.

According to another embodiment of the present invention, the banking system is provided with a virtual account function for processing the new provisions, such that the amount deposited with the opened online account is linked with the online account. When transferred to the virtual account, the new account processing unit 960 retracts (or reapplies) the amount deposited in the withdrawal prevention virtual account in connection with the external and / or information systems provided in the financial system. And / or remove (or erase) the withdrawal virtual account, whereby the online account processed as a provisional transaction is processed into a valid new financial account capable of all financial transactions.

According to another embodiment of the present invention, the financial system is provided with a new account processing mother account for the online account, and the opened online account is provided with a withdrawal prevention function associated with the new account processing mother account. When a predetermined amount is deposited (or deposited) into an online account processed as a virtual account equipped with the withdrawal prevention function by being processed into an account, the new account processing unit 960 is provided with an external system provided in the financial system. Or release the withdrawal prevention function of the online account processed with the virtual account provided with the withdrawal prevention function in association with the information system, and provide (or delete) the virtual account function associated with the new account processing mother account. Preferably, the online account processed by the provisional provision is transferred to a valid new financial account capable of all financial transactions. Is processed.

According to the method of the present invention, when the new account processing unit 960 processes the online account as a valid new financial account capable of all financial transactions, the information receiving unit 985 may set the online server opening date in the web server 900. The online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual account processing information, and And / or the date of receiving non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), or the date of opening of the online account on the financial system by the temporary opening unit 980. It is desirable to apply retrospectively on one date.

10 is a diagram illustrating the configuration of online ledger information according to an embodiment of the present invention.

In more detail, in FIG. 10, the online account is opened and the web server 900 operating institution (or financial institution) is stored in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. This is a diagram showing the configuration of information on an online account ledger registered for processing a new account operating in the form of a virtual account using a real account operated by a parent account. By linking ledger information with a real account operated by the web server 900 operating institution (or financial institution), the online account corresponding to the online account ledger is operated by the web server 900 operating institution (or financial institution) The present invention relates to an implementation method of processing a real account into a virtual account having a parent account.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 10 to open the online account in the ledger D / B and at the web server 900 operating institution (or financial institution). Although various methods of organizing information about a predetermined online account ledger for processing a new account operating in the form of a virtual account using a real account as a parent account may be inferred, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / In addition to the customer ledger and account ledger shown in FIG. 10, B further includes at least one ledger (e.g., loan ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. .

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

According to the method of the present invention, the provisional opening section 980 and / or provisional management section 970 of the information processing server 955 shown in FIG. 9 are external systems and / or information provided in the financial system. In connection with the system, the telephone number of the customer ledger is characterized in that it comprises the customer wireless terminal 950 information for processing at least one or more financial transactions in a non-face-to-face manner without a financial certificate.

According to another exemplary embodiment of the present invention, the provisional opening unit 980 and / or provisional management unit 970 of the information processing server 955 shown in FIG. 9 may be provided with an external system and / or provided in the financial system. In conjunction with the information system, include in the online account ledger information and / or the customer ledger and / or the customer wireless terminal 950 information for processing at least one or more financial transactions in a non-face-to-face manner without financial authorization. It is possible to include in certain additional information associated with the online ledger, whereby the present invention is not limited.

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

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening section 980 and / or provisional management section 970 of the information processing server 955 shown in FIG. 9 are linked to the external system and / or information system provided in the financial system. The predetermined number of new provisions including the account number for the online account, the mother account number linked to process the online account as a virtual account, the date of establishment of a new provision, the real name verification expiration date, the extension of the real name verification period, and the deposit before the real name verification Generating information, and storing the generated new provision information in association with additional information corresponding to the online ledger.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 940 on the online account registration system shown in FIG. It is desirable to be.

The account number of the new provision processing information is information for cooperatively processing the new provision processing information with the online account, and includes an account number of the online account which has been newly provisioned according to the present invention.

According to the implementation method of the present invention, the account number of the online account is preferably in accordance with the real account number system, according to the intention of those skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

11 is a diagram showing the configuration of online ledger information according to another embodiment of the present invention.

In more detail, FIG. 11 shows the opening of the online account and the web server 900 operating institution (or financial institution) in the ledger information stored in a predetermined ledger D / B provided in the DBMS on the financial system shown in FIG. This is a diagram showing the configuration of information on an online account ledger registered for processing a new account operating in the form of a virtual account using a real account operated by a parent account. Specifically, the information is specified in the online account ledger registered in the ledger D / B. By linking and storing the virtual account processing information in a relational manner, the online account corresponding to the online account ledger is processed as a virtual account using a real account operated by the web server 900 operating institution (or financial institution) as a parent account. It is about the implementation method.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 11 to open the online account in the ledger D / B and to the web server 900 operating institution (or financial institution). Although various methods of organizing information about a predetermined online account ledger for processing a new account operating in the form of a virtual account using a real account as a parent account may be inferred, the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to Figure 11 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg, a reception ledger) , Loan ledger, etc.) and at least one information associated with the account ledger, if the person having ordinary knowledge in the technical field to which the present invention belongs, ledger provided in the DBMS on the financial system D / B further includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least one additional information for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that it is included, and will also be familiar with the specific technical matters, so a detailed description thereof is omitted for convenience. All.

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 detailed description thereof will be omitted.

According to the present invention, the online ledger is registered in the form of an account ledger associated with the customer ledger in a relational form, the online ledger in the form of an account ledger account number, CIF number, point number, currency, opening date, status, goods Kind, 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, last deposit amount, final withdrawal amount , At least one bank account transaction, interest rate account account, flat currency connection, final payment interest, final payment transaction number, individual interest rate reference, and the date of final interest calculation; Periodic reception information including at least one of (months), period (days), period extension, expiration date, and target amount, and / or account number, deposit amount, face value, Trust reception information including at least one pension date and the number of shares, and / or account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, and batch number corresponding to the ledger. .), Complex transaction, date of settlement, bank account line, summary, transaction history information including at least one or more.

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

According to the present invention, the provisional opening section 980 and / or provisional management section 970 of the information processing server 955 shown in FIG. 9 are linked to the external system and / or information system provided in the financial system. Generate predetermined false information processing information including an account number, a false date of establishment of a new account, an expired real name verification expiration date, an extended real name verification period, and a real name verification deposit for the online account; Characterized in that it is stored in association with the additional information corresponding to the online ledger.

The account number of the new provision processing information is information for cooperatively processing the new provision processing information with the online account, and includes an account number of the online account which has been newly provisioned according to the present invention.

According to the implementation method of the present invention, the account number of the online account is preferably in accordance with the real account number system, according to the intention of those skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

In addition, the provisional date of the provisional provision of the new provisional processing information is the date when the online account was opened on the ledger D / B, and when the real name of the customer applying for the provisional provisional online account is confirmed, the online account is Corresponds to the date retroactive from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the new provision processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed, The real name verification deposit is matched with the account balance of the online ledger.

According to another embodiment of the present invention, the information contained in the provisional processing information is stored in the form of information included in the online account ledger (not shown), and / or other ledgers other than the online account ledger (eg, , A form of additional information added to the customer ledger, and / or a form of information included in another ledger other than the online account ledger (for example, the customer ledger), and the present invention is not limited thereto.

Referring to FIG. 11, the virtual account processing unit 975 of the information processing server 955 illustrated in FIG. 9 connects the online ledger to the web in association with an external system and / or an information system provided in the financial system. The server 900 includes an account number included in the online account ledger, the mother account manager information and the mother account information in order to process a real account operated by an operating institution (or a financial institution) as a virtual account. The virtual account processing information may be stored in association with the additional information of the online account ledger.

In this case, the parent account management information includes a real account corresponding to the mother account in order to process the online account into a virtual account in which a real account operated by the web server 900 management institution (or a financial institution) is used as a mother account. Preferably, the web server 900 includes at least one operating institution (or financial institution).

In addition, the mother account information to process the online account in the form of a virtual account of the real account operated by the web server 900 operating institution (or financial institution) as a parent account, the operating institution of the web server 900 (or It is preferable to include the mother account number corresponding to the real account operated by the financial institution).

According to the implementation method of the present invention, when confirming the financial real name of the online account, the virtual account processing information is erased, so that the online account is treated as a new account whose financial real name is confirmed.

FIG. 12 is a diagram illustrating the construction of new account processing information and virtual account processing information for a new account processing for operating in the form of an online account and a virtual account according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates the opening of the online account stored in a predetermined database 1210 associated with a predetermined ledger D / B 1205 included in the DBMS 1200 on the financial system shown in FIG. As a diagram showing the configuration of information on the pseudo-new processing information and the virtual account processing information for the pseudo-new processing that operates in the form of a virtual account using the real account operated by the web server 900 operating institution (or financial institution), Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 12 and store the pseudo-process information and virtual information in a predetermined database 1210 associated with the ledger D / B 1205. Various information construction methods for storing account processing information may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG. The.

In particular, FIG. 12 illustrates a case in which it is not easy to store the temporary transaction information and / or the virtual account processing information in the ledger D / B 1205 on the DBMS 1200 provided on the financial system (eg, financial It is not easy to change the ledger D / B 1205 of the DBMS 1200 due to the policy of the institution, or the system expansion is not easy due to the nature of the financial system), and a predetermined database 1210 instead of the ledger D / B. ) Shows an implementation method of storing the pseudonym processing information and / or virtual account processing information, and cooperatively storing the database 1210 and the ledger D / B.

Referring to FIG. 12, the database 1210 stores the pseudo-processing information and / or virtual account processing information, and the pseudo-processing information and / or virtual account processing information is stored in the ledger D / B. It is preferable that the CIF number corresponding to the ledger information is further included in the provisional processing information and / or the virtual account processing information to be processed in association with 1205.

In FIG. 12, the new provision processing information stored in the database 1210 includes an account number for the financial account, a new provision establishment date, a real name verification expiration date, a real name verification period extension, and a real name verification deposit. It is done.

Here, the new provision processing information is generated based on the online account application information and / or the new provision processing agreement information (or the new application information) received from the customer terminal 940 on the online account registration system shown in FIG. It is desirable to be.

* The account number of the pseudonym processing information is information for cooperatively processing the pseudonym processing information with the online account, and includes an account number of the online account that has been pseudonymized according to the present invention.

According to the implementation method of the present invention, the account number of the online account is preferably in accordance with the real account number system, according to the intention of those skilled in the art may follow the virtual account number system, whereby the present invention is not limited.

In addition, the provisional date of the provisional provision of the new provision processing information is the date when the online account was opened on the ledger D / B (1205), when the real name of the online account application customer processed with the provisional provision is confirmed, The online account corresponds to the date retroactively from the real name verification date.

In addition, the real name verification expiration date of the new provisions processing information is the date that the real name verification period expires from the date of establishment of the new provisions, the real name of the online account request customer for the online account within the real name verification expiration date should be confirmed.

The extension of the real name verification period of the pseudonym processing information is for confirming the extension of the real name verification expiration date, if the real name verification period is extended after the real name verification expiration date, the customer applying for the online account within the expiration date of the real name verification If a problem arises in that it is difficult to verify the real name of the customer applying for an online account for the online account, and / or if the provisional terms and conditions information includes an automatic extension of the term for the real name verification expiration date, Check the real name of the customer applying for an online account for the account.

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

In addition, the deposit before the real name confirmation of the provisional processing information is the amount information deposited into the online account, if a predetermined amount is deposited into the online account before the real name of the customer applying for the online account for the online account is confirmed. The deposit before real name verification is matched with the account balance of the online ledger.

In FIG. 12, the virtual account processing information stored in the database 1210 includes an account number included in the online account ledger, the parent account management institution information, the mother account information, and the like.

In this case, the parent account management information includes a real account corresponding to the mother account in order to process the online account into a virtual account in which a real account operated by the web server 900 management institution (or a financial institution) is used as a mother account. Preferably, the web server 900 includes at least one operating institution (or financial institution).

In addition, the mother account information to process the online account in the form of a virtual account of the real account operated by the web server 900 operating institution (or financial institution) as a parent account, the operating institution of the web server 900 (or It is preferable to include the mother account number corresponding to the real account operated by the financial institution).

According to the implementation method of the present invention, when confirming the financial real name of the online account, the virtual account processing information is erased, so that the online account is treated as a new account whose financial real name is confirmed.

FIG. 13 is a diagram illustrating an information providing process for opening an online account and processing an online account operating in a virtual account form according to an embodiment of the present invention.

In more detail, in FIG. 13, when the web server 900 illustrated in FIG. 9 provides a predetermined online account request user interface to the customer terminal 940, the online account request user interface is provided by the customer terminal 940. Input (or select) predetermined online account application information through the predetermined network means to provide to the web server 900, and the web server 900 transmits the online account application information through a predetermined communication means. The process of providing to the information processing server 955 provided in the financial institution, if the person skilled in the art to which the present invention pertains, the customer terminal 940 by referring to and / or modified in this figure 13 However, various implementation methods for providing the online account application information to the information processing server 955 through the web server 900 may be inferred. Include all of the inference method that is carried out, and is not limited by the exemplary method shown in the figure 13.

For example, in FIG. 13, only the online account application information is provided from the customer terminal 940 to the web server 900. However, the person who has ordinary knowledge in the technical field to which the present invention belongs, In response to the user interface provided by the web server 900 to the customer terminal 940, in addition to the online account application information in the customer terminal 940, provisional processing agreement information (or provisional application information), and / or online It may be inferred how to provide account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), The present invention is in the customer terminal 940, the new provision processing agreement information (or new application information), and / or online account security information, and / or financial transaction application information , And / or a virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 900 and the information processing server 955 in the web server 900 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 955 sends the online account application information (and / or false information processing consent information (or false information application information)). And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, and the present invention is not limited thereto.

Referring to FIG. 13, the customer terminal 940 illustrated in FIG. 9 connects to the web server 900 through a network means including at least one wired and / or wireless communication network (1300), and the web. At least one web-based service provided by the server 900 is used (1305), wherein the web server 900 is provided to the online account product according to the present invention to the web-based service provided to the customer terminal 940. While providing the online account product information for attracting the online subscription for a certain online account application user interface.

Accordingly, while the web server 900 provides at least one web-based service to the customer terminal 940 as described above, the online account subscription user interface is subscribed online from the customer terminal 940 to the online account product. Periodically checks whether a predetermined online account request user interface is requested for the request (1310), if the financial product request interface is requested from the customer terminal 940 (1315), the web server 900 is the customer terminal Generate a predetermined online account application user interface to be provided to 940 (or extract it from a predetermined web source D / B (not shown)) (1320) and view the online account application user interface via the network means; Provided to the terminal (1325).

Thereafter, the customer terminal 940 inputs (or selects) predetermined online account application information through the online account application user interface (1330), and the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 940 transmits the online account application information to the web server 900 through the network means (1335).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 950) it is preferable to further include information, thereby the present invention is not limited.

* When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 940, the customer terminal 940 inputs (or selects) online account security information through the interface. The network means may be further transmitted to the web server 900 through the network means, or further including the online account security information in the online account application information. Transmit to the web server 900 through.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 900.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the real name of the financial account for the online account) is output to the customer terminal 940, and the customer provides It is preferred to include an interface for inputting (or selecting) provisional processing agreement information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. .

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 940, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 940 for inputting (or selecting) the provisional processing agreement information (or provisional application information), the client terminal 940 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 900 through the network means, or Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 900 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information at an operation institution (or financial institution) of the web server 900. In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one web server 900 operating institution (or financial institution), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When the customer terminal 940 is provided with an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information, the customer terminal 940 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 900 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 900 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal, the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 940, the client terminal 940 inputs (or selects) the financial transaction application information through the interface, and then, Transmits the input (or selected) financial transaction application information to the web server 900 through the network means, or further includes the financial transaction application information in the online account application information, the web server through the network means. To 900.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 940 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 940, the customer terminal 940 may be configured to provide the non-face-to-face financial through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 900 through the network means. .

According to the implementation method of the present invention, the online account request user interface outputs the online account integration operation agreement request information requesting the customer terminal 940 to agree to the online account integration operation, and the customer integrates the online account. When agreeing to the operation, it is preferable to include an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 940, the customer terminal 940 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 900 through the network means, or the online account application information further includes the online account integrated operation agreement information. It transmits to the web server 900 via the network means.

Thereafter, the web server 900 may provide the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or The virtual account processing information and / or the non-face-to-face financial transaction agreement information (or the non-face-to-face financial transaction application information) are received and stored in the predetermined storage medium 935 (1340).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 935 may include the web server 900 (or the web server 900 operator) and the information processing server 955. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 900 transmits the online account application information to the information processing server 955 through a predetermined communication means (1345), and the information processing server 955 transmits the web through the communication means. The online account application information provided from the server 900 is received (1350).

14 is a diagram illustrating an information providing process for opening an online account and processing an online account in a virtual account form according to another exemplary embodiment of the present invention.

In more detail, in FIG. 14, when the web server 900 illustrated in FIG. 9 provides a predetermined online account request user interface to the customer terminal 940, the online account request user interface is provided by the customer terminal 940. Input (or select) and encrypt predetermined online account application information through the predetermined network means to provide it to the web server 900, and decrypt the online account application information by the web server 900 to The process of providing the online account application information to the information processing server 955 provided in the financial institution through a communication means, if the person of ordinary skill in the art to which the present invention pertains, see FIG. And / or modified to provide the online account application information from the client terminal 940 to the information processing server 955 through the web server 900. Exemplary method would be able to infer, the present invention includes all the embodiments in which the inference method, not limited by the exemplary method shown in the figure 14.

For example, in FIG. 14, only the online account application information is provided from the customer terminal 940 to the web server 900. However, the person who has the general knowledge in the technical field to which the present invention pertains, In response to the user interface provided by the web server 900 to the customer terminal 940, in addition to the online account application information in the customer terminal 940, the provisional processing agreement information (or provisional application information), and / or It may be possible to infer a method of providing online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). , The present invention is in the customer terminal 940 the new provision processing consent information (or new provision application information), and / or online account security information, and / or financial transaction application information , And / or a virtual account management information, and / or a non-face-to-face and include exemplary method of providing financial transactions, accept information (or a non-face-to-face financial transaction application information), which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, in response to the security function provided in the communication means for connecting the web server 900 and the information processing server 955 in the web server 900 The online account application information (and / or provisional processing consent information (or provisional application information)), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non- Encrypts and transmits the face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information), and the information processing server 955 sends the online account application information (and / or false information processing consent information (or false information application information)). And / or to decrypt online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). It may be inferred, but the present invention includes the method of inferring the above, by which the present invention is not limited.

Referring to FIG. 14, the customer terminal 940 illustrated in FIG. 9 connects to the web server 900 through a network means including at least one or more wired and / or wireless communication networks (1400) and the web. At least one web-based service provided by the server 900 is used (1405), wherein the web server 900 is provided with the online account product according to the present invention to the web-based service provided to the customer terminal 940. While providing online merchandise information for attracting online subscription, a predetermined online account application user interface is provided.

Accordingly, while the web server 900 provides at least one web-based service to the customer terminal 940 as described above, the online account subscription user interface is used to subscribe to the financial product online from the customer terminal 940. Periodically check whether a predetermined online account request user interface is requested (1410). If the financial instrument request interface is requested from the customer terminal 940 (1415), the web server 900 provides a predetermined security function. Generate a predetermined online account application user interface (or extract it from a predetermined web source D / B (not shown)) (1420), and provide the online account application user interface to the mobile terminal through the network means; (1425).

Here, the security function provided in the online account request user interface may include a function of encrypting the online account request information input (or selected) by the customer terminal 940 by a predetermined encryption method and / or the online account request information. It comprises at least one function of attaching the electronic signature of the customer, preferably in the form of a security program linked to the online account application user interface, wherein the security program is to encrypt the online account application information It is preferable to have at least one encryption key for.

In addition, the security function (and / or security program) may further include a public certificate having at least one encryption key for encrypting the online account application information, whereby the present invention is not limited.

Thereafter, the customer terminal 940 inputs (or selects) predetermined online account application information through the online account application user interface (1430), wherein the online account application information is at least requested by the customer (or purchased). At least one online account product selection information for selecting one or more online account products, agreement terms corresponding to the online account products, the online account deposit amount information, and customer information for the online account application customer; It is preferable to make.

When the online account application information is input (or selected) as described above, the customer terminal 940 encrypts the online account application information according to a predetermined encryption method through a security function provided in the online account application user interface. (And / or attach the electronic signature of the customer to the online account application information) (1435), and transmit the encrypted online account application information to the web server 900 via the network means (1440).

According to an embodiment of the present invention, the online account application user interface may be configured to process an account password for an online account corresponding to the online account application information, and / or at least one non-face-to-face financial transaction through the online account. And an interface for inputting (or selecting) online account security information including at least one or more financial transaction passwords.

The online account security information may also include a predetermined personal identification number (PIN) and / or a customer wireless terminal (PIN) for non-face-to-face processing of at least one or more financial transactions for the online account opened by the online account application information. 950) it is preferable to further include information, thereby the present invention is not limited.

When an interface for inputting (or selecting) at least one online account security information is provided to the customer terminal 940, the customer terminal 940 inputs (or selects) online account security information through the interface. The network means may be further transmitted to the web server 900 through the network means, or further including the online account security information in the online account application information. Transmit to the web server 900 through.

If the online account application information includes the online account security information, to secure confidentiality, authentication, integrity and nonrepudiation of the online account security information. The online account security information (or the online account application information including the online account security information) is preferably encrypted by a predetermined encryption method and transmitted to the web server 900.

According to an embodiment of the present invention, the online account request user interface may include a provision of provisional terms and conditions information indicating that the online account is treated as a new provision until the financial real name of the online account corresponding to the online account application information is confirmed. The new provision processing period information (e.g., the period in which the online account is processed and operated before the verification of the real name of the financial account for the online account) is output to the customer terminal 940, and the customer provides And an interface for inputting (or selecting) provisional processing consent information for agreeing to provisional processing period information, and / or provisional application information for which the customer applies for provisional processing for the online account. Do.

If the provisional provisional terms information and provisional provisional period information is included in the provisional information corresponding to the online account product, the provisional provisional provisional information and provisional provisional processing period information are output to the customer terminal 940, The interface for confirming consent for this may be omitted.

When an interface is provided to the customer terminal 940 for inputting (or selecting) the provisional processing agreement information (or provisional application information), the client terminal 940 transmits the provisional processing agreement information ( Or after inputting (or selecting) provisional provision information), transmitting the input (or selection) provisional processing consent information (or provisional application information) to the web server 900 through the network means, or Alternatively, the online account application information may further include the provisional processing agreement information (or provisional application information) to be transmitted to the web server 900 through the network means.

According to an embodiment of the present invention, the user interface for inputting (or selecting) the online account application information may include an online account corresponding to the online account application information at an operation institution (or financial institution) of the web server 900. In order to open a real account operating in the form of a virtual account as a parent account, the mother account operating institution information including at least one web server 900 operating institution (or financial institution), and the real account operating in the mother account operating institution It is preferable to include an interface for inputting (or selecting) virtual account processing information including corresponding mother account information.

When the customer terminal 940 is provided with an interface for inputting (or selecting) the virtual account processing information including the mother account management institution information and the mother account information, the customer terminal 940 receives the virtual account processing information through the interface. After inputting (or selecting), transmit the input (or selection) of the virtual account processing information to the web server 900 through the network means, or add the virtual account processing information to the online account application information. It includes and transmits to the web server 900 via the network means.

In addition, when the customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, the financial institution has at least one customer account corresponding to the online account applying customer. Unopened and / or the online account application customer has never processed a financial transaction with the financial institution), the online account application user interface is the first terminal to the financial institution and the first financial And an interface for outputting financial transaction application terms and conditions for processing a transaction and confirming that the customer has agreed to the financial transaction application terms.

If the financial transaction application terms and conditions are included in the terms and conditions information corresponding to the online account product, and / or when the financial transaction application is processed in the real name verification process for the online account product, the customer is referred to the financial institution. The interface for applying for financial transactions may be omitted, and the present invention is not limited thereto.

When an interface for inputting (or selecting) the financial transaction application information is provided to the client terminal 940, the client terminal 940 inputs (or selects) the financial transaction application information through the interface, and then, Transmits the input (or selected) financial transaction application information to the web server 900 through the network means, or further includes the financial transaction application information in the online account application information, the web server through the network means. To 900.

The customer applying for the online account product is not a conventional financial transaction member for a financial institution corresponding to the online account product (for example, at least one customer account corresponding to the online account application customer is opened at the financial institution). And / or the online account applicant has no history of financial transactions with the financial institution, and / or the online account client is a non-face-to-face financial transaction customer (eg, the Internet). Banking member, wireless banking member, TV banking member, home banking member, etc.), the online account application user interface, the customer terminal 940 to establish at least one non-face-to-face financial transaction channel with the financial institution; Non-face-to-face financial transaction terms and conditions information for processing at least one non-face-to-face financial transaction through For example, the non-face-to-face financial transaction in which the Internet banking subscription terms information, the wireless banking subscription terms information, the TV banking subscription terms information, or the home banking subscription terms information, etc.) is printed and the customer agrees to the non-face to face financial transaction terms information. Preferably, the interface includes an agreement information and / or an interface for inputting (or selecting) non-face-to-face financial transaction application information for which the customer applies for the face-to-face financial transaction.

If the non-face-to-face financial transaction terms are included in the terms and information corresponding to the online account product, and / or the non-face-to-face financial transaction application is processed in the real name verification process for the online account product, and / or the online account If the non-face-to-face financial transaction authentication can be omitted for the financial transaction using the client, the customer agrees to the face-to-face financial transaction for processing at least one non-face-to-face financial transaction through the at least one non-face-to-face financial transaction channel with the financial institution. It is possible to omit (or apply) an interface, and the present invention is not limited thereby.

When an interface for inputting (or selecting) the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is provided to the customer terminal 940, the customer terminal 940 may be configured to provide the non-face-to-face financial through the interface. After inputting (or selecting) transaction agreement information (or non-face-to-face financial transaction application information), the input (or selection) of the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) is performed through the network means. Or transmit the non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) to the web server 900 through the network means. .

According to the implementation method of the present invention, the online account request user interface outputs the online account integration operation agreement request information requesting the customer terminal 940 to agree to the online account integration operation, and the customer integrates the online account. When agreeing to the operation, it is preferable to include an interface for inputting (or selecting) predetermined online account integration operation agreement information.

When an interface for inputting (or selecting) the online account integrated operation agreement information is provided to the customer terminal 940, the customer terminal 940 inputs (or selects) the online account integration operation agreement information through the interface. Thereafter, the input (or selection) of the online account integrated operation agreement information is transmitted to the web server 900 through the network means, or the online account application information further includes the online account integrated operation agreement information. It transmits to the web server 900 via the network means.

The web server 900 which has received the encrypted online account application information through the network means decrypts the online account application information by a decryption method corresponding to the encryption method (1445), and the decrypted online account application information. (And / or provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information. (Or non-face-to-face financial transaction application information) is stored in a predetermined storage medium 935 (1440).

According to another exemplary embodiment of the present invention, the process of storing the online account application information in the storage medium 935 may include the web server 900 (or the web server 900 operator) and the information processing server 955. (Or financial institution) may be omitted in accordance with the business partnership agreement, whereby the present invention is not limited.

Thereafter, the web server 900 transmits the online account application information to the information processing server 955 through predetermined communication means (1445), and the information processing server 955 transmits the web through the communication means. The online account application information provided from the server 900 is received (1450).

15 is a diagram illustrating a process of processing an online account as a virtual account according to an embodiment of the present invention.

In more detail, in FIG. 15, the information processing server 955 shown in FIG. 9 opens a predetermined online account based on the online account application information provided from the web server 900, and sets the online account as the web server. (900) A process for processing a real account operated by an operating institution (or a financial institution) into a virtual account as a parent account, and a person of ordinary skill in the art to which the present invention pertains may refer to FIG. 15 and / or Alternatively, based on the online account application information provided to the information processing server 955 shown in FIG. 9, a real account for operating an online account in the web server 900 operating institution (or financial institution) may be used as a parent account. Various implementation methods for processing with a virtual account may be inferred, but the present invention includes all of the inferred implementation methods, whereby the present invention is not limited thereto. The.

For example, in FIG. 15, only the online account application information is provided from the web server 900 to the information processing server 955. However, the person having ordinary knowledge in the technical field to which the present invention pertains will be described. In addition to the online account application information, provisional processing consent information (or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent Although it is possible to infer an implementation method in which information (or non-face-to-face financial transaction application information) and the like are provided to the information processing server 955, the present invention may provide the information processing server 955 with the provisional processing agreement information (or Provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction consent information (or Face-to-face financial transaction application information) is further provided, whereby the present invention is not limited.

In the drawing, the information processing server 955 shown in the drawing 9 will be referred to as " server " for convenience.

Referring to FIG. 15, predetermined online account application information (and / or provisional processing consent information) from the web server 900 shown in FIG. 9 to the server through the process shown in FIG. 12 and / or FIG. (Or provisional application information), and / or online account security information, and / or financial transaction application information, and / or virtual account processing information, and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information). Is received, the server may send the online account application information (and / or the provisional processing consent information (or the provisional application information), and / or the online account security information, and / or the financial transaction application information, and / or the virtual Account processing information and / or non-face-to-face financial transaction agreement information (or non-face-to-face financial transaction application information) are read to determine whether the online account can be opened (1500).

If it is not possible to open the online account based on the online account application information (1505), the server generates the account opening error information and provides it to the web server 900 (1510), the web server 900 ) Transmits the account opening error information to the customer terminal 940 through a predetermined network means (1515), thereby terminating the online account signing procedure based on the online account application information.

On the other hand, if it is possible to open the online account on the basis of the online account application information (1505), the server is connected to the financial system and a predetermined online account corresponding to the online account application information on the financial system In operation 1520, the online account is processed into a virtual account that is the parent account operated by the web server 900 operating institution (or financial institution) in connection with the financial system.

According to an embodiment of the present invention, the server corresponds to a real account operated by the web server 900 operating institution (or financial institution) to the provisional processing information added to the online account ledger as shown in FIG. By adding a mother account number, a virtual account whose mother account is a real account which manages a ledger corresponding to the online account opened by the provisional opening unit 980 in the web server 900 operating institution (or financial institution). It is preferable to treat with.

According to another exemplary embodiment of the present invention, the server may include an account number corresponding to the online account, predetermined mother account management institution information corresponding to a mother account to be linked to the online account, as shown in FIG. By linking and processing virtual account processing information including mother account information in a relational manner, the ledger corresponding to the online account opened by the provisional opening unit 980 is operated by the web server 900 operating institution (or financial institution). It is preferable to process the real account operated by the virtual account as the parent account.

According to another exemplary embodiment of the present invention, the server transmits predetermined virtual account processing information to a predetermined database 1210 linked to the ledger D / B 1205 in which the online account ledger is registered as shown in FIG. By storing the ledger corresponding to the online account opened by the provisional opening unit 980 as a virtual account that uses a real account operated by the web server 900 operating institution (or financial institution) as a parent account. It is preferable.

Thereafter, the server (or the web server 900) may be configured to provide customer information (or customer information included in the online account application information) corresponding to the online account through a predetermined communication means, and a web server operating the online account ( 900 information, the financial company information in which the online account is opened, and the online account information provided in the financial system are transmitted to the relay server shown in FIG. 17 (1530), and the relay server transmits the customer information and the web server 900. Information, the financial company information and the online account information are processed in association with the relay server shown in FIG. 17, and then transmitted to the relay server as shown in FIG. 17 to store a predetermined storage medium 935 (1535), whereby the customer accesses the web server 900 ( Or an online account linked financial transaction request), the online account of the customer's name opened through at least two web servers 900 through the relay server is integrated.

16 is a diagram illustrating a real name verification process for an online account according to an embodiment of the present invention.

In more detail, FIG. 16 uses a real account operated by an operating institution (or a financial institution) of the web server 900 through the process shown in FIG. 15 through the online account registration system shown in FIG. This is a process of performing a real name verification process for an online account processed as a virtual account and processing it into a predetermined new financial account, and a person having ordinary knowledge in the technical field to which the present invention belongs may refer to FIG. 16 and / or Alternatively, the present invention may be inferred from various implementation methods for verifying a real name of an online account processed as a virtual account using a real account operated by the web server 900 operating institution (or financial institution). Includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In the following Figure 16, the information processing server 955 on the online account registration system shown in Figure 9 is referred to as " server " for convenience.

Referring to FIG. 16, the server may include a bank terminal-based financial transaction system associated with the financial system (and / or the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, In connection with a telebanking system, a home banking system, or a TV banking system) in response to the online account application information in order to verify whether the real name of the online account applicant for the online account is verified (and / or Or at least one of a terminal terminal-based financial transaction system linked to the financial system, a financial terminal-based financial transaction system including a CD / ATM, an internet banking system, a wireless banking system, a telebanking system, a home banking system, and a TV banking system. Responsive to customer real name identification events arising from financial transaction systems, including And 1600.

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

If the real name for the online account request customer is not confirmed (1605), the server checks whether the real name verification period for the online account has elapsed in response to the online account application information in connection with the financial system (1610).

If the real name verification period for the online account has not elapsed in response to the online account application information (1615), the server uses a virtual account having a real account operated by the web server 900 management institution (or financial institution) as the parent account. Repeat the process of checking the customer's real name for the online account processed by the account.

On the other hand, if the real name verification period for the online account has elapsed in response to the online account application information (1615), the server is linked to the financial system and the amount of money deposited in the online account corresponding to the online account application information in a predetermined mother account (E.g., a financial account that deposits a predetermined investment amount (or deposit amount) into an online account in response to the online account application information), and processes the online account as a dormant account in response to the online account application information ( 1620).

On the other hand, if the real name of the customer applying for the online account is confirmed within the real name verification period (1605), the server is linked with the financial system, the real account operated by the web server 900 operating institution (or financial institution) in the parent account The online account processed in the form of a virtual account is returned to the original online account (1625), and the online account is processed as a new financial account whose real name is confirmed in connection with the financial system (1630).

According to an embodiment of the present invention, the online account ledger information when the online account in the form of a virtual account having a real account operated by the web server 900 operating institution (or financial institution) as the parent account is processed as the new financial account. Includes the real account ledger information, the server processes the online account as a new financial account whose real name is verified by erasing the provisional processing information and / or the virtual account processing information added to the online account ledger. It is preferable.

Alternatively, when the online account of a virtual account type having a real account operated by the web server 900 operating institution (or a financial institution) as the parent account is processed as the new financial account, the online account ledger information is used to display the virtual account ledger information. If so, the server erases the pseudo-news information and / or virtual account processing information added to the online account ledger, and replaces (or converts) the virtual account ledger information with real account ledger information, thereby providing the online. It is desirable to treat the account as a new financial account with a real name.

Thereafter, the server may retroactively process the account opening date of the financial account processed as the new financial account in association with the financial system as the provisional opening date (1635).

17 is a diagram showing the configuration of an online account integration operation system according to an embodiment of the present invention.

In more detail, FIG. 17 registers the online account integrated operation agreement information when registering (or opening) a predetermined online account through the online account registration system shown in FIGS. 1 and / or 9, or FIG. And / or after registering (or opening) a predetermined online account through the online account registration system shown in FIG. 9, registering the online account integrated operation consent information according to a predetermined information registration procedure, thereby obtaining a predetermined storage medium 1735. Customer information, web server 900 information, financial company information and the online account information corresponding to at least one or more online accounts registered (or opened) through the online account registration system shown in FIGS. 1 and / or 9 are At least one or more registered (or opened) through the online account registration system shown in FIGS. As a system configuration for integrating and operating an online account, those of ordinary skill in the art to which the present invention pertains, various implementation methods for the configuration of the online account integration operation system by referring to and / or modifying the drawing 17. It may be inferred, but the present invention includes all the inferred implementation methods, and the technical features are not limited to the implementation method illustrated in FIG.

Referring to FIG. 17, the online account integrated operation system may include at least one web server operating at least one online account registered (or opened) through the online account registration system illustrated in FIGS. 1 and / or 9. 900, a customer terminal 1740 for accessing the web server 900 through a predetermined network means to process at least one online financial transaction using the online account, and the web server 900 and When the client terminal 1740 is connected through a communication means to access the web server 900 (or an online account-linked financial transaction request), the client terminal 1740 registers through the web server 900 in addition to the web server 900 (or It is provided with a relay server (1700) and at least one financial system provided with the online account to operate the opened online account to the web server (900) The features.

Here, the financial system is a computer system in which an online account is registered (or opened) through the online account registration system shown in FIGS. 1 and / or 9, and credits are generated at at least one branch (or window). Or an accounting system for processing a window service such as receiving or trusting or foreign exchange, an information system for processing a headquarters business, branch office information support and customer information management, and the financial system and at least one other financial system (and / or payment). Interconnection between systems) and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) provided in at least one or more external communication networks. Access to the system and / or various financial arrangements through at least one common network (eg, CD common network, financial common network) And an external module that provides an interface, wherein the financial system includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system, and a component in the financial system. DBMS 1200 comprising at least one database 1210 that stores and manages certain information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function performance. (DataBase Management System) characterized in that the financial transaction through the financial system is the real name financial account corresponding to the financial account is the real-name transaction and confidentiality laws and co-decree (Presidential Decree No. 15744) If it is, it is effectively processed.

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

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

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

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

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, and / or IEEE 802.16x) through the wireless banking server At least one wireless terminal 1750 (eg, a personal communication system (PCS) and / or GSM equipped with a connection and browsing function connected to the mobile communication network) connected to a mobile communication network based on the wireless Internet, and / or an IEEE 802.11x-based wireless network. (Global System for Mobile) terminal and / or personal digital assistant (PDA) and / or smart phone and / or telematics, etc. To provide.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, a code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, And / or at least one wireless terminal 1750 (eg, a wireless terminal 1750 on which a financial IC chip is mounted) connected to an IEEE 802.16x based portable Internet and / or an IEEE 802.11x based wireless LAN network. Provide IC chip-based non-face-to-face financial transaction service to one or more financial transaction customers.

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

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

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

According to the present invention, a customer who registers a predetermined online account through an online channel may include at least one customer terminal (a wired terminal 1745 connected to a predetermined wired communication network and / or a wireless terminal 1750 connected to a predetermined wireless communication network). 1740 accesses the web server 900, and receives various application services provided by the web server 900.

Here, the wired terminal 1745 connected to the wired communication network among the customer terminals 1740 is a general term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and is connected to the TCP / IP based communication network. Connected desktop computers and / or notebooks, or consumer electronics terminals (e.g., set-top-box, etc.) connected to the TCP / IP-based communication network, or kiosks connected to the TCP / IP-based communication network ( KIOSK) or the like is preferably included.

In addition, the wireless terminal 1750 connected to the wireless communication network includes all terminal devices connected to a code division multiple access (CDMA) based mobile communication network, and / or all terminal devices connected to the IEEE 802.16x based mobile Internet, and / or IEEE General term for all terminal devices connected to an 802.11x based wireless LAN network, a Personal Communication System (PCS) and / or Global System for Mobile communications (GSM) terminal and / or a personal digital device connected to the CDMA based mobile communication network. Cellular Terminals (PDCs) and / or Personal Handyphone System (PHS) Terminals and / or Personal Digital Assistants (PDAs) and / or Smart Phones and / or Telematics, or At least a portable Internet terminal connected to the IEEE 802.16x-based portable Internet, or a wireless LAN terminal connected to the IEEE 802.11x-based wireless LAN communication network. It is preferable to include one or more.

The web server 900 provides at least one information / content to the customer terminal 1740 including at least one of the wired terminal 1745 and / or the wireless terminal 1750 through the wired communication network and / or the wireless communication network. Portal server and / or search that provide a search service, including, and / or a personalization service, including a homepage / blog, and / or a mail service, and / or a messenger service, and / or various information providing services. It is preferable to include a server.

According to the present invention, when the customer terminal 1740 connects to the web server 900 and logs in, the web server 900 receives predetermined customer information corresponding to the login information through a predetermined communication means. And a web server different from the online account information corresponding to the online account registered (or opened) in the name of the customer through the web server 900 from the relay server 1700. Receive the online account integrated operation information generated from the online account information corresponding to at least one or more online accounts registered (or opened) in the name of the customer through the 900 to provide to the customer terminal 1740 .

Alternatively, when the client terminal 1740 requests a predetermined online account linked financial transaction after accessing (or logging in to) the web server 900, the web server 900 requests the online account linked financial transaction. It is characterized in that for transmitting to the relay server 1700 through a predetermined communication means, corresponding to the online account registered (or opened) in the customer name from the relay server 1700 through the web server 900 The customer terminal 1740 by receiving the online account integrated operation information generated from the online account information corresponding to at least one or more online accounts registered (or opened) in the name of the customer through another web server 900 and the other online account information. It is characterized by providing in).

The relay server 1700 may include customer information corresponding to at least one or more online accounts registered (or opened) under the name of the customer through the at least one web server 900 shown in FIGS. 1 and / or 9; A storage medium that stores and processes the web server 900 information for registering (or opening) the online account, the financial company information for operating the financial system in which the online account is opened, and the online account information opened in the name of the customer. 1735 or a predetermined DBMS 1200 (DataBase Management System) and / or DB server managing the storage medium 1735.

Here, the customer information may include at least one online personal account corresponding to at least one online account registered (or opened) under the name of the customer through at least one web server 900 shown in FIGS. 1 and / or 9. For example, customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) and / or customer member information (eg, member ID information, etc.) provided in at least one or more web servers 900. It may be made, including and / or at least one or more web server 900 and at least one or more customer-specific information shared by the relay server 1700.

In addition, the web server 900 may be configured to register (or open) an online account of the customer's name through the online account registration system shown in FIGS. 1 and / or 9 and operate the online account. (900) operator information (e.g., portal server operator information, search server operator information, or mail server operator information, or messenger server operator information, etc.), and / or the web server ( 900) including a domain address, and / or the web server 900 may include an IP address.

Further, the financial company information includes financial institution information for operating a financial system equipped with an online account ledger registered (or opened) under the name of the customer through the online account registration system shown in FIGS. 1 and / or 9. It is preferable to make.

Further, the online account information preferably includes an online account number registered (or opened) under the name of the customer through the online account registration system shown in FIGS. 1 and / or 9.

Referring to FIG. 17, the relay server 1700 includes an information receiver 1705 that receives predetermined customer information from at least one web server 900 through a predetermined communication means, and the received customer information. An information checking unit 1710 for querying a storage medium 1735 and confirming at least one or more online account information registered by the customer in the name of the customer through at least one web server 900; An information extraction unit 1730 for extracting deposit and withdrawal history information and / or balance information for the at least one identified online account in communication with the financial system through a communication means, and deposit and withdrawal corresponding to the extracted online account information; An information generation unit 1720 for generating online account integration operation information to be transmitted to the web server 900 through history information and / or balance information, and the generated online And an information transmitter 1715 for transmitting the account integration operation information to the web server 900 through the communication means.

According to the present invention, at the time of exchanging (or transferring) the balance between at least two online accounts in the operation process through the online account, at least one deposit target online account may be withdrawn by depositing the balance of a predetermined withdrawal target online account in connection with the financial system. It is characterized in that the balance further comprises a balance transfer unit 1725 to deposit.

When the customer terminal 1740 accesses and logs in to the web server 900 according to an embodiment of the present invention, when the web server 900 transmits predetermined customer information corresponding to the login information, the The information receiving unit 1705 may receive the customer information through the communication means.

According to another exemplary embodiment of the present invention, the client terminal 1740 accesses (or logs in) the web server 900, and then requests a predetermined online account-linked financial transaction. When transmitting customer information requesting an account-linked financial transaction, the information receiving unit 1705 may receive the customer information through the communication means.

Here, the customer information is customer personal information corresponding to at least one or more online accounts registered (or opened) in the name of the customer through at least one or more web servers 900 shown in FIGS. 1 and / or 9. , Customer name, social security number, telephone number, mobile phone number, address, e-mail address, etc.) and / or customer member information (eg, member ID information, etc.) included in at least one web server 900. It is preferably made, and / or comprises at least one or more customer-specific information shared by the at least one web server 900 and the relay server 1700.

When predetermined customer information is received from the web server 900 through the information receiving unit 1705, the information checking unit 1710 inquires the storage medium 1735 through the received customer information, thereby providing the customer. At least one or more online account information registered (or opened) in a customer's name through at least one or more online account registration systems shown in FIGS. 1 and / or 9; Is provided to the information generator 1720 and / or the information extractor 1730.

When the online account information corresponding to at least one or more online accounts opened in the customer's name is extracted by the information checking unit 1710, the information extracting unit 1730 is connected to the financial system through a predetermined communication means. And extracting deposit and withdrawal history information and / or balance information for the at least one identified online account.

According to an embodiment of the present invention, the information extracting unit 1730 corresponds to online account information associated with the web server 900 that transmits the customer information in connection with at least one financial system through a predetermined communication means. It is preferable to extract balance information and balance information corresponding to at least one or more online account information opened under the name of the customer through a web server 900 other than the web server 900 which has transmitted the customer information.

When at least one balance information registered (or opened) in the name of the customer is extracted by the information extracting unit 1730, the information generating unit 1720 may have a web other than the web server 900 that transmits the customer information. The at least one balance calculated in correspondence with the at least one online account information opened in the name of the customer through the server 900 is added, and the summed balance is associated with the web server 900 which has transmitted the customer information. By adding to the balance extracted in correspondence with the online account information, it is extracted in correspondence with at least one or more online account information opened under the name of the customer through a web server 900 other than the web server 900 that has transmitted the customer information. Online account integration operation information for transferring at least one or more balances to the online account opened in the name of the customer through the web server 900 that transmitted the customer information It characterized in that to generate.

At least one balance extracted in correspondence with at least one online account information opened under the name of the customer through a web server 900 in addition to the web server 900 that has transmitted the customer information by the information generating unit 1720 When the online account integrated operation information for transferring to the online account opened in the name of the customer is generated through the web server 900 that transmits the customer information, the balance transfer unit 1725 is the customer terminal (1740) In order to immediately process at least one online account linked financial transaction through the transferred balance through the web server 900, a web server transmitting the customer information in connection with at least one financial system equipped with the online account ( At least one extracted corresponding to at least one or more online account information opened in the name of the customer through another web server (900) Through a web server (900) transmits the customer information on the balance of features to transfer to the online account opening to the customer's name.

At least one balance extracted in correspondence with at least one online account information opened under the name of the customer through a web server 900 in addition to the web server 900 that has transmitted the customer information by the information generating unit 1720 Online account integration operation information is transferred to the online account opened in the name of the customer through the web server 900 that transmits the customer information, and / or the customer information is transferred by the balance transfer unit 1725. In addition to the transmitted web server 900, through the other web server 900, at least one or more balances extracted in correspondence with the at least one online account information opened in the name of the customer through the web server (900) When the transfer is made to the online account opened in the customer's name, the information transmitter 1715 transfers the generated online account integrated operation information through the communication means. Characterized in that the transmission to the web server (900).

According to another exemplary embodiment of the present invention, the web server 900 may deposit or withdraw money for at least one online account opened under the name of the customer through another web server 900 in addition to the web server 900 that transmits the customer information. For the details inquiry, it is preferable to transmit the customer information and at least one inquiry target online account information.

In this case, the information receiving unit 1705 receives the customer information and the inquiry target online account information through the communication means, and the information checking unit 1710 receives the customer information and the inquiry target online account information through the communication means. It is preferable to check the storage medium 1735 to check whether the online account is opened under the name of the customer.

If the online account is opened under the name of the customer, the information extracting unit 1730 extracts a deposit and withdrawal history for the online account corresponding to the inquiry target online account information in connection with the financial system, and the information generating unit 1720 generates online account integrated operation information including at least one of the extracted deposit and withdrawal history information, web server 900 information, financial company information, and online account information, and the information transmitter 1715 generates the generated information. Preferably, the online account integration operation information is transmitted to the web server 900 through the communication means.

According to another exemplary embodiment of the present invention, the web server 900 may be connected to at least one online account opened under the name of the customer through another web server 900 in addition to the web server 900 that transmits the customer information. In order to query the deposit and withdrawal details, it is preferable to transmit the customer information and at least one inquiry target web server 900 information.

In this case, the information receiving unit 1705 receives the customer information and the inquiry target web server 900 information through the communication means, and the information checking unit 1710 receives the customer information and the inquiry target web server ( It is preferable to check whether the online account of the customer's name is opened in the inquiry target web server 900 by querying the storage medium 1735 through the information.

If an online account of the customer's name is opened in the inquiry target web server 900, the information extraction unit 1730 is connected to the financial system, the deposit and withdrawal details for the online account corresponding to the confirmed online account information Extract the information, and the information generator 1720 generates online account integrated operation information including at least one of the extracted deposit and withdrawal history information, web server 900 information, financial company information and online account information, and transmits the information. The unit 1715 preferably transmits the generated online account integrated operation information to the web server 900 through the communication means.

18 is a diagram illustrating an online account integration operation process corresponding to an online account balance transfer according to an embodiment of the present invention.

In more detail, FIG. 18 illustrates that a customer who has registered at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 through a predetermined customer terminal 1740 is provided with the predetermined information shown in FIG. When accessing the web server 900, the web server 900 at least one or more opened in the name of the customer through at least one or more other web server 900 in connection with the relay server 1700 shown in FIG. Regarding the process of transferring the online account balance to the online account balance corresponding to the web server 900, a person having ordinary skill in the art to which the present invention pertains will refer to and / or modify the drawing 18 to Various implementation methods for the online account integration operation process corresponding to the transfer of the online account balance may be inferred, but the present invention includes all the implementation methods inferred above. In addition, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 18, a web server in which a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 operates the online account through a predetermined customer terminal 1740 ( When accessing and logging in 900 (1800), the web server 900 transmits the customer information corresponding to the customer login information to the relay server 1700 shown in Figure 17 through a predetermined communication means (1805) In response, the relay server 1700 inquires the storage medium 1735 through the customer information, and registers (or opens) the client server through the web server 900 that has transmitted the customer information. The online account information is verified (1810).

If the online account information registered (or opened) in the name of the customer is not confirmed through the web server 900 which transmits the customer information (1820), the relay server 1700 generates predetermined online account error information. In operation 1825, the web server 900 transmits the data to the web server 900 through the communication means.

On the other hand, if the online account information registered (or opened) in the name of the customer is confirmed through the web server 900 that transmits the customer information (1820), the relay server 1700 is a financial system equipped with the online ledger In operation 1830, the online account balance information is extracted.

Subsequently, the relay server 1700 inquires the storage medium 1735 through the customer information, so that at least one other web server 900 in addition to the web server 900 that transmits the customer information receives the name of the customer. At least one online account information registered (or opened) is verified (1835).

If at least one other online account information registered (or opened) in the name of the customer through at least one other web server 900 in addition to the web server 900 that transmits the customer information is not confirmed (1840), The relay server 1700 generates predetermined online account error information and transmits the generated online account error information to the web server 900 through the communication means (1825).

On the other hand, if at least one or more other online account information registered (or opened) under the name of the customer is confirmed through at least one or more other web servers 900 in addition to the web server 900 that transmits the customer information (1840), the relay The server 1700 is opened in the name of the customer in association with at least one financial system equipped with at least one other online account ledger registered (or opened) in the name of the customer through at least one other web server 900. At least one other online account balance information is extracted (1845).

Subsequently, the relay server 1700 adds the extracted at least one other online account balance, and adds the sum to the online account balance corresponding to the web server 900 that transmitted the customer information (1850). ).

Subsequently, the relay server 1700 transfers the customer information of at least one other online account balance in connection with a financial system equipped with at least one or more other online account information registered (or opened) under the name of the customer. Transfer to an online account corresponding to server 900 (1855).

If the online account balance transfer is confirmed (1860), the relay server 1700 is summed from the online account information corresponding to the web server 900 that transmitted the customer information and the at least one other online account balance Generate predetermined online account integration operation information including online account balance information (1865), and transmit the generated online account integration operation information to the web server 900 through the communication means (1870), and correspond to this. The web server 900 transmits the web page to the terminal including the operation information through the online account transmitted to the customer terminal 1740 (1875).

19 is a diagram illustrating an online account integration operation process corresponding to transfer of an online account balance according to another embodiment of the present invention.

In more detail, in FIG. 19, a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 is provided through a predetermined customer terminal 1740. After accessing the web server 900, when the client terminal 1740 requests the integrated operation of the online account balance from the web server 900, the relay server 1700 shown in FIG. The at least one online account balance opened in the name of the customer through at least one other web server 900 in connection with the) to the online account balance corresponding to the web server 900, the present invention Those skilled in the art may refer to and / or modify this drawing 19 to understand the online account integration operation process corresponding to the transfer of the online account balance. Would be able to infer a method embodiment, the present invention is made, including any exemplary way in which the inference, to which the technical feature that is not limited to the exemplary method shown in the figure 19.

19, a web server in which a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 operates the online account through a predetermined customer terminal 1740 ( When the user accesses and logs in at 1900, the web server 900 transmits and outputs a predetermined online account balance integration user interface through the network means, and transfers the online account balance integration from the customer terminal 1740. Check if this is requested (1905).

If the online account balance integration transfer is not requested from the client terminal 1740 (1910), the web server 900 provides at least one web service defined in the web server 900 through the network means. While (1915), the process of checking whether the transfer of the online account balance integration is requested from the customer terminal (1740) is repeated.

On the other hand, when the online account balance transfer transfer request is requested from the customer terminal 1740 (1910), the web server 900 is shown in Figure 17 the customer information corresponding to the customer login information through a predetermined communication means Transmitting to the relay server 1700 (1920), and correspondingly, the relay server 1700 inquires the storage medium 1735 through the customer information, through the web server 900 that transmitted the customer information The online account information registered (or opened) in the customer's name is checked (1925).

If the online account information registered (or opened) under the customer's name is not confirmed through the web server 900 which transmits the customer information (1930), the relay server 1700 generates predetermined online account error information. In step 1935, the web server 900 transmits the online account error information to the wireless terminal 1750 by including the online account error information in a predetermined web page through the communication means. ).

If at least one online account information registered (or opened) in the name of the customer is confirmed through the web server 900 which transmits the customer information (1930), the relay server 1700 is provided by the online account ledger. The online account balance information is extracted in association with the established financial system (1945).

Subsequently, the relay server 1700 inquires the storage medium 1735 through the customer information, so that at least one other web server 900 in addition to the web server 900 that transmits the customer information receives the name of the customer. At least one online account information registered (or opened) is verified (1950).

If at least one other online account information registered (or opened) in the name of the customer through at least one other web server 900 in addition to the web server 900 that transmits the customer information is not confirmed (1955), The relay server 1700 generates predetermined online account error information and transmits the generated online account error information to the web server 900 through the communication means (1935), and the web server 900 transmits the online account error information to the predetermined account. It is included in the web page and transmitted to the wireless terminal 1750 (1940).

On the other hand, if at least one or more other online account information registered (or opened) under the name of the customer is confirmed through the at least one other web server 900 in addition to the web server 900 that transmits the customer information (1955), the relay The server 1700 is opened in the name of the customer in association with at least one financial system equipped with at least one other online account ledger registered (or opened) in the name of the customer through at least one other web server 900. At least one other online account balance information is extracted (1960).

Thereafter, the relay server 1700 sums the extracted at least one or more other online account balances, and adds the sums to the online account balance corresponding to the web server 900 that has transmitted the customer information (1965). ).

Subsequently, the relay server 1700 transfers the customer information of at least one other online account balance in connection with a financial system equipped with at least one or more other online account information registered (or opened) under the name of the customer. Transfer to an online account corresponding to server 900 (1970).

If the online account balance transfer is confirmed (1975), the relay server 1700 is summed from the online account information corresponding to the web server 900 that transmitted the customer information and the at least one other online account balance. Generate predetermined online account integration operation information including online account balance information (1980), and transmit the generated online account integration operation information to the web server 900 through the communication means (1985), and correspondingly The web server 900 transmits the web page to the terminal including the operation information through the online account transmitted to the customer terminal 1740 (1990).

20 is a diagram illustrating an online account integration operation process for inquiring the deposit and withdrawal details of another online account in the web server 900 according to one embodiment of the present invention.

In more detail, in FIG. 20, a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 is provided through a predetermined customer terminal 1740. After accessing the web server 900, when the client terminal 1740 requests the web server 900 to query the deposit and withdrawal history of another online account operated by the other web server 900, the web server 900 may be requested. ) Is a process for inquiring the details of the deposit and withdrawal of another online account in connection with the relay server 1700 shown in Figure 17, if one of ordinary skill in the art to which the present invention pertains, refer to this figure 20 And / or may be modified to infer various implementation methods for the online account integration operation process for inquiring the deposit and withdrawal history of the other online account in the web server 900, but the present invention is Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 20.

Referring to FIG. 20, a web server in which a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 operates the online account through a predetermined customer terminal 1740 ( If the user accesses and logs in at 2000, the web server 900 transmits and outputs a predetermined other online account deposit and withdrawal history inquiry request user interface through the network means, and outputs the other online data from the customer terminal 1740. Check whether the deposit and withdrawal history inquiry for the account is requested (2005).

If the inquiry of the deposit and withdrawal history for the other online account is not requested from the customer terminal 1740 (2010), the web server 900 is at least one web defined in the web server 900 through the network means; While providing the service (2015), the process of checking whether the deposit and withdrawal history inquiry for the other online account is requested from the customer terminal 1740 is repeated.

On the other hand, if the request for deposit and withdrawal history of the other online account is requested from the customer terminal 1740 (2010), the web server 900, through the predetermined communication means and the customer information corresponding to the customer login information and the online to search The account information is transmitted to the relay server 1700 illustrated in FIG. 17 (2020), and in response, the relay server 1700 inquires the storage medium 1735 through the customer information, thereby providing the query online. The validity of the account information is verified (2025).

If the validity of the inquiry target online account information is not confirmed (2030), the relay server 1700 generates predetermined online account error information and transmits it to the web server 900 through the communication means (2035). In operation 2040, the web server 900 includes the online account error information in a predetermined web page and transmits the information to the wireless terminal 1750.

If the validity of the inquiry target online account information is confirmed (2030), the relay server 1700 extracts the deposit and withdrawal history information for the online account in connection with the financial system equipped with the online account ledger (2045). .

Subsequently, the relay server 1700 generates online account integrated operation information including one or more extracted deposit and withdrawal history information, the web server 900 information, financial company information, and online account information (2050). The online account integrated operation information is transmitted through the communication means to the web server 900 (2055), and correspondingly, the web server 900 transmits the web page to the customer terminal 1740 through the online account operation. The information is transmitted to the terminal (2060).

21 is a diagram illustrating an online account integration operation process for inquiring the deposit and withdrawal details of another online account in the web server 900 according to one embodiment of the present invention.

In more detail, in FIG. 21, a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 is provided through a predetermined customer terminal 1740. After accessing the web server 900, when the client terminal 1740 requests the web server 900 to query the deposit and withdrawal history of another online account operated by the other web server 900, the web server 900 may be requested. ) Is a process for inquiring the details of the deposit and withdrawal of another online account in connection with the relay server 1700 shown in Figure 17, if one of ordinary skill in the art to which the present invention pertains, refer to this figure 21 And / or modified to infer various implementation methods for the online account integration operation process for inquiring the deposit and withdrawal history of the other online account in the web server 900, the present invention Is made, including any exemplary method of inference, to which the technical feature that is not limited to the exemplary method shown in the figure 21.

Referring to FIG. 21, a web server in which a customer who registers at least one or more online accounts through the online account registration system shown in FIGS. 1 and / or 9 operates the online account through a predetermined customer terminal 1740 ( When the user accesses and logs in at 2100, the web server 900 transmits and outputs a predetermined other online account deposit and withdrawal history inquiry request user interface through the network means, and outputs the other user from the customer terminal 1740. In operation 2105, it is checked whether a deposit and withdrawal history inquiry for the online account is requested.

If the inquiry of the deposit and withdrawal history for the other online account is not requested from the customer terminal 1740 (2110), the web server 900 is at least one web defined in the web server 900 through the network means; While providing the service (2115), the process of checking whether the deposit and withdrawal details inquiry for the other online account is requested from the customer terminal 1740 is repeated.

On the other hand, if the request for deposit and withdrawal details of the other online account is requested from the customer terminal 1740 (2110), the web server 900 corresponds to the customer information and the inquiry target web corresponding to the customer login information through a predetermined communication means. By transmitting the server 900 information to the relay server 1700 shown in FIG. 17 (2120), the relay server 1700 inquires the storage medium 1735 through the customer information. The online account information of the customer name corresponding to the inquiry target web server 900 is checked (2125).

If the online account information of the customer name corresponding to the inquiry target web server 900 is not confirmed (2130), the relay server 1700 generates predetermined online account error information to generate the web through the communication means. The web server 900 includes the online account error information in a predetermined web page and transmits the information to the wireless terminal 1750 (2140).

If the online account information of the customer name corresponding to the inquiry target web server 900 is confirmed (2130), the relay server 1700 is linked to the financial system equipped with the online account ledger for the online account The deposit and withdrawal history information is extracted (2145).

Subsequently, the relay server 1700 generates the extracted deposit and withdrawal history information, the online server integrated operation information including one or more of the web server 900 information, financial company information and online account information (2150), and the generated The online account integrated operation information is transmitted to the web server 900 through the communication means (2155), and in response, the web server 900 transmits the web page to the customer terminal 1740 through the online account operation. The information is transmitted to the terminal in operation 2160.

According to the present invention, there is an advantage in that the online account balance opened and operated by at least one other web server is used for the web server to which the customer is currently connected.

According to the present invention, there is an advantage of checking the deposit and withdrawal history of an online account opened and operated by at least one other web server to the web server to which the customer is currently connected.

Claims (1)

In the server, the first online account information and usage history information opened by the customer on the first online server, the second online account information and usage history information opened on the second online server, and N (N = 2,3, .. N A) collecting N-th online account information and usage history information opened in an online server; Generating a plurality of online account information and usage history information collected by a server in a web page, and then storing the collected online account information in association with the identification information (or authentication information) of the customer in a predetermined storage medium; And Providing a plurality of online account information and usage history information stored in association with the identification information (or authentication information) of the customer through the storage medium to the customer terminal when the server accesses the customer terminal; Online account integration operation method, characterized in that made.

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