KR20080067595A - System for processing becoming a member by using banking server - Google Patents

Abstract

A system for registering a member with a banking server is provided to enable a customer to register to a website and protect privacy of the customer by using a customer ledger accumulated in the banking server without providing personal information of the ledger to the website. An information receiver(445) receives registration request information including login information, desired website information, and ID/password information from a customer terminal(465). An information processor authenticates a customer by linking with a customer ledger database and extracts customer information corresponding to the customer from the customer ledger database after authentication. An information transmitter(450) transmits the extracted customer information and the received registration information to an agent server(460) or a site management server through the network.

Description

System for Processing Becoming a Member by Using Banking Server}

1 is a diagram illustrating an information registration system for using customer ledger information in online membership registration according to an embodiment of the present invention.

Figure 2a and Figure 2b is a view showing a preferred configuration for the information use agreement information for using the customer ledger information in the online membership registration according to the embodiment of the present invention.

Figure 3 illustrates an information registration process for using the customer information corresponding to the customer ledger in the online membership registration process according to the embodiment of the present invention.

4 is a diagram illustrating a configuration of an internet banking system for the online subscription process according to an embodiment of the present invention.

5 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to an embodiment of the present invention.

6 is a diagram illustrating an online banking based online membership processing method according to an exemplary embodiment of the present invention.

7 is a diagram illustrating an online membership registration process using a customer ledger according to an embodiment of the present invention.

8 is a diagram illustrating a configuration of an internet banking system for an online member registration process according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to another embodiment of the present invention.

10 is a diagram illustrating a method for processing online membership registration based on Internet banking according to another embodiment of the present invention.

11 is a diagram illustrating an online membership registration process using a customer ledger according to another embodiment of the present invention.

<Description of main parts of drawing>

400: internet banking server 405: web interface

410: UI processing unit 415: web page operation unit

425: content management unit 430: customer authentication unit

435: banking processing unit 440: ledger processing unit

445: information receiver 450: information transmitter

455: information verification unit 460: relay server

465: web server 470: information receiving unit

475: information processing unit 480: information providing unit

485: customer terminal

The present invention is connected to the customer ledger database, the information receiving means for receiving predetermined member registration request information such as login information, website information, ID, password information to be registered from the customer terminal, and processes the customer authentication, After the authentication process, the information processing means for extracting the customer information corresponding to the customer from the customer ledger database and the extracted customer information and the membership request information received from the customer terminal through a communication network server-subscription relay processing server or the It relates to a subscription processing system using a banking server including information transmitting means for transmitting to a site management server.

Due to the development of information and communication technology and the expansion of network infrastructure, the majority of the people are using the Internet, and in the process of using the Internet, the Internet users are registered as members of at least dozens or hundreds of websites, or You will join in the future.

What is absolutely necessary in the registration process as described above is customer information of the Internet user, and most websites require that personal information, such as a social security number of the customer, which may cause a privacy problem, be input.

Although most websites require personal information that may cause privacy problems when signing up, it is a long time practice in the Internet industry, but since such malicious websites frequently use such as social security number generators, This is because, in order to detect the malicious member registration from an operator's point of view, information that may cause a privacy problem may be required.

Recently, the member information, which has been collected by collecting personal information that may cause a privacy problem of the customer, is recognized as a high value-added information itself, whereby the website operator can recognize the member information as the member management means. In addition to being used as a means, many problems have arisen, such as using as a marketing means for the member, or in some cases selling (or transferring) the member information to a third party.

In particular, the member information provided in the website includes a fatal problem that can be exposed unprotected by hacking, etc., thereby enabling to build reliable member information without inputting personal information that may cause privacy problems A solution must be derived.

It is an object of the present invention to process customer authentication in connection with information receiving means for receiving predetermined membership request information such as login information and website information, ID and password information to be registered from a customer terminal, and a customer ledger database. After the customer authentication process, the information processing means for extracting the customer information corresponding to the customer from the customer ledger database and the server-subscription relay processing server through the communication network to the extracted customer information and membership request information received from the customer terminal Or it provides a subscription processing system using a banking server including an information transmission means for transmitting to the site management server.

Sign-up processing system using a banking server according to the present invention, the information receiving means for receiving predetermined registration request information such as login information and website information, ID, password information to be registered from the customer terminal, and the customer ledger database In connection with the information processing means for processing the customer authentication, and after the customer authentication processing, the customer information corresponding to the customer from the customer ledger database and the extracted customer information and the membership request information received from the customer terminal. It characterized in that it comprises a information transmission means for transmitting to a server-subscription relay processing server or the site management server.

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

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 properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This 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 information registration system for using customer ledger information in online membership registration according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that when a predetermined customer provides information usage agreement information for using the customer ledger information to an online membership according to the present invention to the financial system 125 through a predetermined information registration interface, the financial system ( 125 is a system configuration for storing the provided information use agreement information in a storage medium on a DBMS provided in the financial system 125, and a person having ordinary knowledge in the art to which the present invention pertains, FIG. By referring to and / or modified to infer various implementation methods for the configuration of the information registration system for the use of the customer ledger information in the online membership, the present invention includes all the implementation methods inferred, as shown in Figure 1 It is not limited only to the implementation method shown.

Hereinafter, at least one means for storing information usage agreement information provided from the customer through a predetermined information registration interface on the information registration system shown in FIG. 1 on a storage medium on a DBMS provided in the financial system 125. And / or a component corresponding to a functional configuration is called an "information registration server" for convenience, and the information registration server is an information system provided in the financial system 125 and / or the financial system ( A banking server (e.g., an internet banking server, and / or a wireless banking server, and / or a telebanking server, and / or a home banking server, and / or a TV banking server) provided in a predetermined financial transaction system associated with 125). ), Whereby the present invention is not limited.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for using customer ledger information for online membership according to the present invention may be provided by a teller terminal and / or a customer provided at at least one branch of a financial institution. And an information registration terminal 130 including at least one client terminal including at least one wired terminal and / or a wireless terminal to be used, wherein the information registration terminal 130 includes predetermined network means. The communication channel is connected to the information registration server 100 provided on the financial system 125 through.

A financial institution is characterized by having a predetermined financial system 125 for providing at least one financial transaction (eg, credit, receiving, foreign exchange, financial investment, etc.) services to at least one financial transaction customer.

The financial system 125 provided in the financial institution is connected to at least one or more window terminals provided in branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 125 may 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 the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 125 is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x based) connected to the TCP / IP-based backbone network through the Internet banking server 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 a wireless LAN, and / or an IEEE 802.16x based portable Internet, and the wireless A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a LAN / portable internet connection and a laptop and / or mobile terminal equipped with a browsing function.

In addition, the financial system 125 is characterized in that it is associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

The financial system 125 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (for example, code division multiple access (CDMA)) through the IC chip-based wireless banking server. At least one through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network and / or 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 the above financial transaction customers.

In addition, the financial system 125 is characterized in that associated with a predetermined telebanking server, connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 125 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV connected to the home network and / Or a non-face-to-face financial transaction service to at least one financial transaction customer through a refrigerator or the like.

In addition, the financial system 125 is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 1, the financial system 125 is provided in a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. An information system comprising: an accounting system for processing a window service such as credit or receiving or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, a branch information support, and customer information management; Interconnection between the financial system 125 and at least one other financial system 125 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g. Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc. 5) an external system providing access to and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 125 ) Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 125, and predetermined information required for performing each function in the components in the financial system 125. For example, it comprises a DBMS (DataBase Management System) including at least one or more databases for storing and managing the ledger information, and / or customer information, and / or management information).

In addition, the financial system 125 is intended by those skilled in the art and / or the types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 125 and the purpose of the financial system 125. And according to the features, 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), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical details of the financial system 125, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the invention, the DBMS provided in the financial system 125, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger for providing, wherein the ledger D / B is at least one for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. The above ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., more specifically and / or supplementing the attributes / functions of each ledger) are relational It is characterized in that it is stored in association with (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B and each ledger according to the type of each financial institution and the purpose and characteristics of the financial system 125. In addition to being familiar with at least one ledger additional information corresponding to the information, each ledger information is linked and stored in a relational relation, and / or predetermined ledger information and at least one ledger additional information are linked in a relational manner. Since it will be understood that the stored information, detailed description thereof will be omitted for convenience.

According to one embodiment of the present invention, the customer visits the financial institution branch to use the customer ledger information in the online membership according to the present invention, and through the window provided at the financial institution branch (or through a teller) ) Fill out a prescribed application (e.g., a document with a form for filling in at least one item of information that agrees to use customer ledger information for online membership), and submit the completed application to the teller. Inputs (or selects) information written in the application through a predetermined teller terminal, and the teller terminal receives the input (or selected) information on the financial system 125 through the network means. It is preferable to transmit to the registration server 100.

Here, the teller terminal preferably comprises a terminal used by a teller provided at the branch of the financial institution, and the information registration server 100 connected to the teller terminal is provided on the predetermined financial system 125. It is preferable that the information system (and / or ledger server) comprises, the network means for connecting the teller terminal and the information registration server 100 connects the communication channel between the teller terminal and the information registration server 100; It is preferable to include a financial network (for example, our network).

In the information registration system as described above, an application written by the customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the information registration server 100 are provided by the customer according to the present invention. Performs a function of an information registration interface for registering information use agreement information for use of customer ledger information on membership registration.

According to another exemplary embodiment of the present invention, the customer accesses the information registration server 100 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. In response to inputting (or selecting) information usage consent information for using the customer ledger information through online registration according to the present invention through at least one user interface provided by the information registration server 100, the client terminal may select a predetermined information. It is preferable to transmit to the information registration server 100 provided on the financial system 125 via a network means.

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

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

Also, the information registration server 100 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and network means. And / or preferably comprises a separate web server for the information registration.

In addition, the network means for connecting the client terminal and the information registration server 100 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless communication network connected to the client terminal Mobitex-based wireless data communication network, and / or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

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

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

In the information registration system as described above, a client terminal including at least one or more wired terminal and / or wireless terminal used by the customer, at least one wired communication network connecting the client terminal and the information registration server 100 and And / or the wireless communication network performs a function of an information registration interface for registering the information use agreement information for the customer to use the customer ledger information in the online membership according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal 130, in addition to the teller terminal and / or the client terminal, a cash automatic teller machine connected to a predetermined financial network (for example, a financial common network). An ATM), a cash dispenser (not shown) including a Cash Dispenser (CD), and / or a Public Switched Telephone Network (PSTN), VoIP (Voice over) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as an IP) network, and / or further includes a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network. And / or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto. The.

In the above information registration system, when the information registration terminal 130 is the financial automated device (not shown), the financial automated device (not shown), the financial automated device (not shown), and the information registration server. The financial network connecting 100 performs a function of an information registration interface for registering the information use agreement information for the customer to use the customer ledger information in the online membership according to the present invention, and / or the information registration terminal If 130 is the call terminal (not shown), the wired telephone network and / or the wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the information registration server 100 are the customer. Performing the function of the information registration interface for registering the information use consent information for the use of customer ledger information in the online membership according to the present invention, and / or the information In the case of a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution that is the terminal 130, the terminal (and / or server) (not shown) and the terminal (and / or server) (Not shown) and the network connecting the information registration server 100 performs a function of an information registration interface for the customer to register the information use consent information for the use of customer ledger information in the online membership registration according to the present invention .

The information usage agreement information provided from the information registration terminal 130 is stored in a storage medium provided on the financial system 125 according to the present invention, and the information usage agreement information stored in the storage medium is Customer ledger for online membership in accordance with the present invention through at least one banking system of the financial institution window and / or the Internet banking system, and / or the telebanking system, and / or the wireless banking system, and / or the TV banking system. It is used for information use.

According to one embodiment of the invention, the storage medium is preferably provided in the DBMS on the financial system 125, wherein the storage medium is ledger D / B provided in the DBMS on the financial system 125 And / or any database associated with the ledger D / B, whereby the invention is not limited.

According to another embodiment of the present invention, the storage medium is an Internet banking system, and / or a telebanking system, and / or a wireless banking system, and / or provided on (or associated with) the financial system 125. It is possible to be provided in the DBMS on at least one banking system of the TV banking system, whereby the present invention is not limited.

The information registration server 100 provided on the financial system 125 according to the present invention is a generic term for the components of the financial system 125 side connected to the information registration terminal 130 through a predetermined network means. It may be implemented by including at least one server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited. .

According to an exemplary embodiment of the present invention, when the information registration terminal 130 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information registration server 100 may be a predetermined financial network. Ledger server provided on the financial system 125 connected to the teller terminal and / or the automated teller machine (not shown) through, and / or a server (or device) provided in the external system on the financial system 125 Or, and / or a program provided in the external system on the financial system 125, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information registration server 100 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or accesses the external system of the financial system 125 through the Internet banking system. The financial system 125, which may be any server (or device) possible, a program included in the server (or device), and / or accessible through the internet banking server (and / or the server (or device)). Server (or device) provided in the external system on the external system, and / or a program provided in the external system on the financial system 125, It does not limit the invention.

According to another embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the information registration server 100 is the wireless A predetermined wireless banking server provided on a banking system, and / or a program provided in the wireless banking server, and / or a predetermined server accessible to the external system of the financial system 125 through the wireless banking system. (Or a device), a program included in the server (or device), and / or to the external system on the financial system 125 accessible through the wireless banking server (and / or the server (or device)). It may be a server (or device) provided and / or a program provided in the external world on the financial system 125, whereby the present invention is not limited .

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information registration server 100 is the telebanking. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on the system, and / or a program provided in the telebanking server, and / or the financial system 125 via the telebanking system. A server (or device) that is accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). It may be a server (or device) provided in the external system on the financial system 125, and / or a program provided in the external system on the financial system 125, whereby the present invention It shall not be limited.

According to another embodiment of the present invention, when the information registration terminal 130 is a wired terminal (or two-way digital TV) that can be connected to the TV banking server on a predetermined TV banking system, the information registration server 100 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined access to the external system of the financial system 125 through the TV banking system. A foreign system on the financial system 125 that is a server (or device), a program included in the server (or device), and / or accessible through the TV banking server (and / or the server (or device)). It may be a server (or device) provided in, and / or a program provided in the external system on the financial system 125, whereby the present invention is not limited.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal 130 through the network means. do.

According to an exemplary embodiment of the present invention, when the information registration terminal 130 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 105 is defined in the financial network. Connects a communication channel with a teller terminal and / or a financial automation device (not shown) based on the protocol stack, and defines a financial transaction related program provided in the teller terminal and / or the financial automation device (not shown). It is desirable to provide a communication interface for transmitting and receiving at least one or more information (or data) using the established communication protocol.

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 105 Connects a predetermined communication channel with the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and uses at least one information (a communication protocol defined in a communication program provided in the client terminal). Or data) communication interface for transmitting and receiving.

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

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 105 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

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

According to another embodiment of the present invention, when the information registration terminal 130 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 105 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

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

According to another embodiment of the present invention, when the information registration terminal 130 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 105 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 1, the information registration server 100 interworks with the interface unit 105 when a predetermined information registration terminal 130 is connected to the information registration server 100 through the interface unit 105. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined information use consent information from the information registration terminal 130 to the information registration terminal 130. 110 and an information receiving unit 115 for receiving predetermined information use agreement information transmitted from the information registration terminal 130 through the user interface in connection with the interface unit 105. And an information storage unit 120 for storing the received information usage consent information in the storage medium.

The interface providing unit 110 corresponds to a functional configuration provided in the information registration terminal 130 when a predetermined information registration terminal 130 is connected to the information registration server 100 through the interface unit 105. Generate (or select) the information usage agreement information to generate a predetermined user interface that can be transmitted to the information registration server 100 through the network means, and / or extract from a predetermined database (not shown). And provide the generated (or extracted) user interface to the information registration terminal 130 through the network means in association with the interface unit 105.

Thereafter, the information registration terminal 130 inputs (or selects) the information use agreement information based on the user interface, and inputs the input (or select) information use agreement information through the network means to the information registration server. Send to 100.

According to an embodiment of the present invention, when the information registration terminal 130 is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 110 may include the window terminal and the window terminal. And / or generate (or extract) a predetermined user interface that can be provided by a financial transaction-related program included in the automated teller machine (not shown), and generate the generated (or extracted) user interface through the interface unit 105. It is preferable to provide the counter terminal and / or the financial automatic device (not shown).

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface provider 110 ) Generates (or extracts) a predetermined user interface that can be provided to a browser program and / or a communication program provided in the client terminal, and generates the generated (or extracted) user interface through the interface unit 105. It is preferable to provide to the terminal.

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 110 may include the call terminal (not shown). Create (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) generated by the interface unit 105 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the information registration terminal 130 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 110 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 105. .

When the information receiving unit 115 inputs (or selects) predetermined information use consent information through the user interface from the information registration terminal 130 and transmits the information through the network means, the information receiving unit 115 cooperates with the interface unit 105. The information usage agreement information is received, and the received information usage agreement information is provided to the information storage unit 120.

The information storage unit 120 stores the information usage agreement information received through the information receiving unit 115 in the storage medium, wherein the storage medium is provided in the information registration server 100, Preferably, the information storage server 120 is provided in the DBMS on the financial system 125 associated with the information registration server 100. In particular, when the storage medium is provided in the DBMS provided on the financial system 125, the information storage unit 120 ) Is preferably stored by providing the received information use agreement information to the information system through the external system on the financial system 125.

Figures 2a and 2b is a view showing a preferred configuration for the information use agreement information for using the customer ledger information in the online membership registration according to the embodiment of the present invention.

In more detail, Figures 2a and 2b include (or / or link) and store (or / or link with) certain information usage consent information registered through the information registration system shown in Figure 1, and / or the customer. FIG. 2A illustrates an implementation method for configuring information stored in a predetermined database associated with the ledger. FIG. 2A illustrates an implementation method in which the information usage agreement information is stored in association with the customer ledger. The information usage agreement information is stored in a predetermined database associated with the customer ledger.

Those skilled in the art to which the present invention pertains may deduce various implementation methods for storing the information usage consent information by referring to and / or modifying the drawings 2a and 2b. It includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 2A and 2B.

Referring to Figure 2a, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, region classification code, telephone number, business number, trade name, classification code , Expiration date, status headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, business type, legal representative, initial transaction date, TRW, DB, usage, Parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. However, those skilled in the art to which the present invention pertains, since the contents and features of the information contained in the customer ledger will be clearly understood, detailed description thereof will be omitted for convenience.

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

In addition, referring to Figure 2a, the customer ledger is financial information, including at least one or more CIF number, year, B / S amount, P / L amount, manufacturing cost amount, financial ratio, and / or CIF number, period, loan Analysis of profitability, including at least one or more of the balance, fund contribution rate, credit code, credit balance, credit interest, and / or CIF number, year, cash inflows, cash revenue, cash flows, cash flows, cash flows Additional information, such as cash flow information, including at least one or more amounts is processed. If the person having ordinary knowledge in the technical field to which the present invention belongs, the additional information processed in connection with the customer ledger is the financial information, profitability analysis. In addition to the information and cash flow information, other types of additional information (e.g., contact information for the financial transaction customer, branch information, country code information, area code information, group) Information, postal code information, limit information by CIF (Customer Information File), financial institution transaction status information, major shareholder information, follow-up management information, temporary checking base information, etc.). Detailed description thereof will be omitted for convenience.

In this figure 2a according to a preferred embodiment of the present invention, the information use consent information for using the customer ledger information in the online membership is stored in the form of additional information that is processed in association with the customer ledger, the information use agreement The information may include at least one CIF number for processing the information use consent information in association with the customer ledger, information use approval, information use destination, information use agreement date, customer information last update date, and the like.

The information usage approval included in the information usage agreement information includes information for confirming that the financial transaction customer has agreed to use the customer information corresponding to the customer ledger in the online membership registration process.

In addition, the information usage destination included in the information usage agreement information is information specifying a website (or web server) that can use customer information corresponding to the customer ledger during the online registration process, and the information usage destination is "ALL Is set to ", the customer information corresponding to the customer ledger can be used for membership of all websites (or web servers) affiliated to use the customer information corresponding to the customer ledger for membership registration. When set to "PORTAL", the customer information corresponding to the customer ledger may be used for the membership of the affiliated portal website (or web server) to use the customer information corresponding to the customer ledger for membership registration.

In addition, the information use agreement date included in the information use agreement information is a date agreed to use the customer information corresponding to the customer ledger in the online membership registration process, the customer ledger in the registration process after the information use consent date It is possible to use the customer information corresponding to the in the online registration process.

In addition, the date of the last update of the customer information included in the information usage agreement information is the date when the customer information corresponding to the customer ledger is finally updated, and to confirm whether the customer information corresponding to the customer ledger is updated after the date of the information usage agreement. will be.

If the customer information corresponding to the customer ledger is updated after the date of use of the information, the member information of the website (or web server) in which the customer information corresponding to the customer ledger is registered online is automatically updated.

Referring to FIG. 2B, the information use agreement information for using the customer ledger information for the online membership is processed in association with the CIF number corresponding to the customer ledger and stored in a predetermined database, thereby allowing the information use agreement information stored in the database. Is characterized in that the relationship is processed in relation to the customer ledger stored in the ledger D / B.

The information use consent information may include at least one information use approval, information use destination, information use agreement date, customer information last update date, and the like.

The information usage approval included in the information usage agreement information includes information for confirming that the financial transaction customer has agreed to use the customer information corresponding to the customer ledger in the online membership registration process.

In addition, the information usage destination included in the information usage agreement information is information specifying a website (or web server) that can use customer information corresponding to the customer ledger during the online registration process, and the information usage destination is "ALL Is set to ", the customer information corresponding to the customer ledger can be used for membership of all websites (or web servers) affiliated to use the customer information corresponding to the customer ledger for membership registration. When set to "PORTAL", the customer information corresponding to the customer ledger may be used for the membership of the affiliated portal website (or web server) to use the customer information corresponding to the customer ledger for membership registration.

In addition, the information use agreement date included in the information use agreement information is a date agreed to use the customer information corresponding to the customer ledger in the online membership registration process, the customer ledger in the registration process after the information use consent date It is possible to use the customer information corresponding to the in the online registration process.

In addition, the date of the last update of the customer information included in the information usage agreement information is the date when the customer information corresponding to the customer ledger is finally updated, and to confirm whether the customer information corresponding to the customer ledger is updated after the date of the information usage agreement. will be.

If the customer information corresponding to the customer ledger is updated after the date of use of the information, the member information of the website (or web server) in which the customer information corresponding to the customer ledger is registered online is automatically updated.

Figure 3 shows an information registration process for using the customer information corresponding to the customer ledger in the online registration process according to the embodiment of the present invention.

In more detail, FIG. 3 includes storing (and / or linking) predetermined information use consent information registered through the information registration system shown in FIG. 1 in the customer ledger, and / or linked with the customer ledger. A method of implementing an information structure to be stored in a predetermined database is described. Those skilled in the art may refer to and / or modify the information registration system configuration shown in FIG. Although various information registration processes of the information use consent information for using the customer information corresponding to the customer ledger in the online membership process may be inferred, the present invention includes all the inferred implementation methods, It is not limited by the implementation method shown.

Hereinafter, in FIG. 3, the information registration terminal 130 shown in FIG. 1 is referred to as a “terminal” for convenience, the information registration server 100 is referred to as a “server” for convenience, and the information usage agreement information is stored. The database associated with the ledger D / B and / or Syik ledger D / B is referred to as a "storage medium" for convenience, and those of ordinary skill in the art to which the present invention pertains, the information registration process shown in FIG. Each financial transaction system (e.g., a window terminal based financial transaction system, and / or 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, a TV banking system) ) Can be easily inferred.

Referring to FIG. 3, the terminal accesses the server through an information registration interface of any one of the information registration interfaces shown in FIG. 1 (300), and sends online information of the customer information corresponding to the customer ledger to the server. Request an information usage agreement information user interface for registering the information usage agreement information for use in a subscription process (305), and the server generates the predetermined information usage agreement information user interface in response to the user interface request ( Or, extracted from predetermined user interface information D / B (not shown) and provided to the terminal through the information registration interface (310).

Thereafter, the terminal inputs (or selects) predetermined information usage consent information including at least one of the information usage approval, information usage destination, information usage consent date, and customer information last update date through the information usage agreement information user interface. In operation 315, the information usage agreement information input (or selected) is transmitted to the server through the information registration interface (320).

The server receiving the information use consent information through the information registration interface confirms whether the information use agreement information is suitable for achieving the desired purpose for using the customer information corresponding to the customer ledger in the online registration process. (325).

According to an embodiment of the present invention, the validity confirmation of the information use agreement information includes checking whether the customer has approved the use of the customer information corresponding to the customer ledger in the online registration process. desirable.

If the validity of the information use agreement information is not authenticated (330), the server generates the information use agreement information error information and transmits the error information to the terminal through the information registration interface (335), corresponding to the customer ledger The information registration process for using the customer information in the online registration process ends.

On the other hand, if the validity of the information use consent information is authenticated (330), the server stores the information use consent information in a storage medium on the DBMS in association with the financial system 125 (340), the storage medium The information structure of the stored information usage agreement information is as shown in FIGS. 2A and / or 2B.

4 is a diagram illustrating a configuration of an internet banking system for on-line subscription processing according to an embodiment of the present invention.

In more detail, FIG. 4 is a diagram in which at least one customer terminal 485 is connected to a communication channel for internet banking based on a transmission control protocol / Internet protocol (TCP / IP) based network (eg, the Internet). An embodiment of an internet banking system that processes an online member registration request requested from the customer terminal 485 by interworking with the financial system 125 in the internet banking server 400, wherein the internet banking system includes a web browser. At least one or more customer terminals 485 and an internet banking server 400 for providing an internet banking service to at least one or more of the customer terminals 485, wherein the internet banking server 400 includes a predetermined interface means. Through the financial system 125 that processes the financial business required to provide the Internet banking service through.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 4 is based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal 485, and the Internet banking server. Although the method of implementing the Internet banking system for processing the online subscription using the customer information corresponding to the customer ledger in the meantime, if you have ordinary knowledge in the technical field to which the present invention belongs, the browser shown in FIG. Refer to and / or modify an internet banking-based financial transaction channel connection method using a program to connect the customer ledger between the customer terminal 485 and the internet banking server based on a predetermined internet banking program mounted on the customer terminal 485. Internet banking system for processing online membership using corresponding customer information The configuration may be inferred, but the present invention includes an internet banking system provided based on the internet banking program, and the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the configuration of the Internet banking system shown in Figure 4, the wireless banking system and / or telebanking system and And / or other banking systems, such as a home banking system and / or a TV banking system, may be inferred, but the present invention is directed to such a wireless banking system and / or a telebanking system and / or a home banking system and / or a TV banking system. Or any non-face-to-face channel banking system including a non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal 485 includes at least one web browser for accessing the internet banking server 400 and receiving a browsing-based wired web service based on the wired communication function based on TCP / IP and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook, wherein the Internet banking server is provided through a predetermined network means including the TCP / IP-based Internet. 400 and a communication channel for internet banking is connected.

The financial system 125 is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Accounting system that handles window services such as credit or receiving or trust or foreign exchange, information system that processes headquarters operations, branch office information support and customer information management, financial system 125, homes, businesses, stores And external systems providing various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), foreign exchange, call center, financial settlement, etc. And an interface corresponding to a middleware platform for providing interfacing between components in the financial system 125. At least one module and stores and manages predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system 125. DBMS 464 (DataBase Management System) including the above database is made, including the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the financial system 125 According to the purpose and characteristics of, 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), the technology to which the present invention belongs Those skilled in the art will clearly understand the detailed technical details of the financial system 125, and thus the detailed description thereof will be omitted for convenience. The present invention is not limited thereto.

According to an embodiment of the present invention, the internet banking server 400 interworks with the financial system 125 via the external system, and for this purpose, the internet banking server 400 is provided through a predetermined interface means. It is preferred to include a component for interworking with.

The internet banking server 400 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one customer terminal 485, and / or It is provided with a DBMS including a database for storing the Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system 125, or interoperating with the data server provided with the DBMS according to the implementation method In this way, a predetermined internet banking service is provided to at least one of the customer terminals 485.

According to an embodiment of the present invention, the internet banking information may be configured to authenticate a customer corresponding to the customer terminal 485 when at least one or more customer terminals 485 access and log in to the internet banking server 400, and / Or when the customer authenticates the financial transaction customer during at least one financial transaction through the internet banking server 400, and / or when the customer subscribes to the internet banking server 400 for at least one financial product. Customer authentication information for authenticating the customer to subscribe to, and when the financial transaction request from the customer through the customer terminal 485, in conjunction with the financial system 125 to process the financial transaction corresponding to the financial transaction request It is preferable to include banking element information for, at least one or more necessary for Internet banking according to the intention of the skilled person Boy be further included. However, this Figure 4, it will be omitted for convenience.

Referring to FIG. 4, the Internet banking server 400 connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals 485. A web page operation unit 415 for operating a web page to be provided to at least one or more customer terminals 485 in connection with an interface unit 405, the web interface unit 405, and the DBMS; A UI processing unit 410 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one customer terminal 485 in association with the unit 415, and the UI processing unit 410. A content content for extracting predetermined content for providing the Internet banking service from the DBMS or receiving predetermined content to be stored in the DBMS from the customer terminal 485 in conjunction with the DBMS. Characterized in that it comprises a 425, the communication channel and the user interface for processing the Internet banking based on HTTP between the customer terminal 485 and the Internet banking server 400 by the functional configuration is implemented do.

In addition, the internet banking server 400 authenticates the customer with at least one customer terminal 485 by interworking with the webpage operation unit 415 through the UI processing unit 410 based on the customer authentication information of the internet banking information. It is characterized in that it comprises a customer authentication unit 430 to provide an interface screen, or at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 400 interoperates with the webpage operation unit 415 through a UI processing unit 410 based on the banking element information of the internet banking information to at least one customer terminal 485 for financial transactions. A banking processing unit 435 may be provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 400 is provided with a ledger processing unit 440 for performing a ledger processing procedure corresponding to the financial transaction requested by the customer in conjunction with the financial system 125 through a predetermined interface means. Characterized in that, the ledger processing unit 440 is preferably connected to the external system of the financial system 125 through the interface means.

The customer authentication information stored in the DBMS includes at least one of ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server 400 through the customer terminal 485. It is preferable to include the member information including the above, wherein the customer authentication unit 430 requests the ID / PW information of the customer to the customer terminal 485 in conjunction with the UI processing unit 410, Receiving the ID / PW information from the customer terminal 485, characterized in that to authenticate the customer by comparing the ID / PW information included in the member information and the received ID / PW information.

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 400 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The customer terminal 485 is encrypted through at least one or more of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method and / or key exchange encryption method Preferably, the customer authentication unit 430 further includes a function configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (eg, financial settlement agency) and certificate server information that issued a predetermined certificate to the customer connected through the customer terminal 485, and / or the certificate registration Institutional information (eg, if the accredited certificate is registered through the company, the information of the party, if the accredited certificate is registered through the other party, etc.), and / or certificate information issued to the customer by the certification body further. Preferably, the customer authentication unit 430 requests the authentication certificate based customer authentication through an authentication certificate registered by the registrar to the authentication server of the certification authority, and receives the result of the customer authentication from the authentication server. By receiving, characterized in that for authenticating the customer.

According to the embodiment of the present invention, the customer authentication unit 430 provides the communication session information and the certificate information connected to the customer terminal 485 to the authentication server of the certification authority, the authentication server is the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal 485 based on the, it is preferable to provide the result to the customer authentication unit 430.

In addition, the customer authentication information stored in the DBMS is made, including a copy of the authentication certificate of the customer accessing the Internet banking server 400 through the customer terminal 485, and / or the predetermined authentication certificate to the customer It is preferable to include the directory connection information of the issuing certification authority, wherein the customer authentication unit 430 in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer the customer terminal (485) Requesting the certificate-based customer information, receiving the certificate-based customer information from the customer terminal 485, and authenticating the certificate-based customer information through the copy of the certificate and / or the directory of the certification authority, thereby authenticating the customer. It is characterized in that the authentication.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 430, or a predetermined random number generated by the customer terminal 485, in this case The client terminal 485 may be configured to at least one of a symmetric key (or secret key) encryption method, and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method using the public certificate. Encrypted through one or more encryption schemes provided to the customer authentication unit 430 (for example, when the random number is generated in the customer terminal 485 further includes a random number in the form of a plain text), the customer authentication unit 430 ) Decrypts the encrypted random number based on the copy of the customer's certificate and / or the certificate information of the customer extracted from the directory and compares each other, and / or the evaluation By intercomparison encrypts the form of a random number (e.g., a random number, and / or a random number generated in the customer terminal (485) generated by the client authentication unit 430), it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the storage information of the customer terminal 485 previously stored in the customer terminal 485 (for example, the Internet banking server 400 is stored in the storage device of the customer terminal 485). Information, and / or information (or system information) previously stored in the customer terminal 485, and / or storage read out from an IC card (and / or IC chip) linked with the customer terminal 485. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the customer terminal 485 is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange for the stored information through the certificate Encrypt with at least one of the encryption methods The customer authentication unit 430 to decrypt the encrypted stored information based on the authentication certificate information of the customer extracted from the copy of the customer's official certificate and / or the directory by the customer authentication unit 430. By comparing each other, it is preferable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the customer terminal 485) input through an input means provided in the customer terminal 485. Information input through an input device (for example, a short-range communication device) other than a key input device provided in the customer terminal 485), and in this case, the customer terminal 485. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. Encrypt through the customer authentication unit 430, and the customer authentication unit 430, the certificate of the customer extracted from the copy and / or the directory of the certificate of the customer certificate of the customer By intercomparison decrypts the encrypted information input by half, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS is preferably made of OTP generation information for generating an OTP authentication code matching the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, wherein the customer The authentication unit 430 interoperates with the UI processing unit 410 to request a predetermined OTP code from the customer terminal 485, receives the OTP code from the customer terminal 485, and based on the OTP generation information. By generating a predetermined OTP authentication code, and comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic in the customer terminal 485 to provide a higher security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 430 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When at least one financial transaction is requested from the client terminal 485, the banking processor 435 may request a financial transaction corresponding to the requested financial transaction to the client terminal 485 in association with the UI processor 410. Providing an information input interface screen and receiving (or selecting) predetermined financial transaction request information from the customer terminal 485 through the financial transaction request information input interface screen, referring to the banking element information; It is characterized in that the predetermined financial transaction information corresponding to the financial transaction request information is generated (or extracted) and provided to the ledger processing unit 440.

For example, when the financial transaction requested from the customer terminal 485 is an account transfer transaction, the banking processing unit 435 may interwork with the UI processing unit 410 to transmit the information necessary for the account transfer to the customer terminal 485 ( For example, a predetermined interface screen for inputting (or selecting) a withdrawal account number, a withdrawal account password, a deposit bank information, a deposit account number, a transfer amount information, a security code number, etc.) is provided, and the account is displayed through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) necessary for the transfer is received and received, the banking element information will be referred to. Generates predetermined financial transaction information for withdrawing the transfer amount from a withdrawal account and depositing it into the deposit account and providing the predetermined amount to the ledger processing unit 440.

According to the exemplary embodiment of the present invention, the banking processor 435 receives at least one financial transaction request information from the customer terminal 485 and performs at least one customer authentication scheme in association with the customer authentication unit 430. It is preferable to authenticate the customer who requested the financial transaction through the above, and thereby the confidentiality of the customer who requested the financial transaction through the customer terminal 485 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to the embodiment of the present invention, the banking processing unit 435 may be configured to secure confidentiality, authentication, integrity, and non-repudiation of at least one or more financial transaction request information transmitted from the customer terminal 485. In step 485, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 435 receives the financial transaction request information from the customer terminal 485, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 435 may be configured to secure the confidentiality, authentication, integrity and non-repudiation of the financial transaction request information transmitted from the client terminal for at least one financial transaction. It is preferable to encrypt and transmit the transaction request information in an electronic envelope method. In this case, the banking processor 435 preferably receives the financial transaction request information from the customer terminal 485 and decrypts the electronic transaction method. This ensures confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information.

The ledger processing unit 440 may be linked with the financial system 125 through a predetermined interface means. When predetermined banking information is generated (or extracted) by the banking processing unit 435, Identify at least one or more ledger information to be extracted from the ledger on the financial system 125 corresponding to the financial transaction information, and extract the identified ledger information from the ledger on the financial system 125 through the interface means; And / or generate (or extract) ledger record information recorded in the ledger on the financial system 125 in correspondence with the financial transaction information, and generate the ledger on the ledger on the financial system 125 through the interface means. Or extracted) the ledger record information.

For example, the financial transaction requested from the customer terminal 485 is an account inquiry transaction for the last one month, and the financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry is performed by the banking processor 435. When generated (or extracted), the ledger processing unit 440 is linked to the account ledger (and / or the customer ledger) on the financial system 125 through the interface means based on the financial transaction information for the account inquiry Transaction history of the account from the transaction history information associated with the account ledger) is extracted from the transaction history of the account and provided to the banking processor 435.

According to the present invention, in order to use the customer information corresponding to the customer ledger provided in the financial system 125 for online membership, the webpage operation unit 415 registers a predetermined subscription from the customer terminal 485. And generating (or extracting) a web page including a user interface for inputting (or selecting) and providing request information. In response, the customer terminal 485 may be configured to be used by the customer through the user interface. Input (or select) membership request information including at least one website information to be registered as a member and account information including ID and password to be registered on the website, and transmit the information to the Internet banking server 400. do.

Referring to FIG. 4, in order to use customer information corresponding to the customer ledger provided in the financial system 125 for online membership, the Internet banking server 400 is interworked with the web interface 405 to connect the network. Information receiving unit for receiving the registration request information including at least one or more of the registration target website information transmitted from the customer terminal 485 and the account information including the ID and password to register on the website through the means ( 445) and, upon receiving the membership request information, confirms the information usage consent information of the customer stored in association with the customer ledger confirmed by the customer authentication unit 430, and the customer confirms that the customer is online. If the member agrees to use the customer information corresponding to the customer ledger to join the membership, the customer information corresponding to the customer ledger is extracted. The security checker 455, the website information included in the registration request information, and the ID and password information included in the extracted customer information and the membership request information, the predetermined relay server 460. It characterized in that it comprises an information transmitting unit 450 for transmitting to.

The information receiving unit 445 generates (or extracts) a web page including a user interface for the web page operating unit 415 to input (or select) and provide predetermined member registration request information to the web interface unit. In the case where the information is provided to the customer terminal 485 through 405, the member information to be registered (or selected) through the user interface in the customer terminal 485 and the ID and the ID to register on the website. Characterized in that the request for membership registration information including at least one or more account information including a password.

Here, the website information included in the membership request information includes a website name corresponding to a website for providing account information including the ID and password information and customer information extracted from the financial system 125, and / Or at least one website address, and the account information included in the membership request information includes at least one ID and password that the customer wants to register when registering on the website. Do.

The information checking unit 455 registers online using the customer information corresponding to the customer ledger of the customer from the customer terminal 485 when the member registration request information is received through the information receiving unit 445. Is requested), by confirming the information usage agreement information of the customer stored in association with the customer ledger confirmed by the customer authentication unit 430, the customer is the customer information corresponding to the customer ledger of the customer It is characterized by checking whether the user agrees to (or approves) the use of a predetermined online membership.

If the result of the check indicates that the customer agrees (or approves) to use the customer information corresponding to the customer ledger of the customer for a predetermined online membership, the information checking unit 455 is a DBMS on the financial system 125. Characterized in that the customer information corresponding to the customer ledger from the ledger D / B provided in the.

On the other hand, if the customer does not agree (or approve) to use the customer information corresponding to the customer ledger of the customer in a predetermined online membership, the information checking unit 455 is the web page operation unit 415 Request information use consent information as shown in FIG. 1, and / or generate registration request error information including that customer information corresponding to the customer ledger cannot be used for a predetermined online membership. To the customer terminal 485 through the web interface 415.

When the information transmitting unit 450 receives the member registration request information through the information receiving unit 445, and the customer information corresponding to the customer ledger of the customer is extracted through the information checking unit 455, By using predetermined network means, the website information included in the membership request information, the customer information corresponding to the customer ledger of the customer, and the ID and password information included in the membership request information are transmitted through a predetermined network means. Characterized in that the transmission to the server (460).

The relay server 460 receives the website information, the customer information corresponding to the customer ledger of the customer, the ID and password information from the internet banking server, and the web server (eg, the web) corresponding to the website information. Site management server) characterized in that the relay transmission of the customer information and the ID and password information.

Referring to FIG. 4, the web server receives through the network means an information receiver 470 for receiving customer information corresponding to the customer ledger of the customer and the ID and password information, and the information receiver 470. Check whether the received ID is duplicated with the ID of another member already registered in the member information D / B provided in the web server, and if the received ID is not duplicated, the received customer information and the ID and password information. The information processing unit 475 for cooperatively processing the account information including the information stored in the predetermined member information D / B, and the member registration approval information including the membership approval result of the customer communication means and / or the relay server ( 460 and / or the information providing unit 450 for notifying the Internet banking server.

The information receiving unit 475 receives the customer information corresponding to the customer ledger of the customer and the ID and password information transmitted from the relay server 460 through the network means, wherein the received customer Information and the ID and password information are provided to the information processor 475 (475).

The information processing unit 475 checks whether the ID received through the information receiving unit 470 overlaps with an ID of another member already registered in the member information D / B provided in the web server.

If the ID received through the information receiving unit 470 is not duplicated, the information processing unit associates the customer information received from the relay server 460 with account information including the ID and password information, and performs a predetermined process. It is characterized by storing in the member information D / B.

* On the other hand, if the ID received through the information receiving unit 470 overlaps, the information processing unit issues a predetermined temporary ID that is not duplicated with the ID of another member previously registered in the member information D / B. It replaces the ID, and the customer information received from the relay server 460 and the password and the temporary ID to process the connection characterized in that stored in the member information D / B, wherein the temporary ID issuance information is It is included in the membership approval information through the study 480 is notified to the customer communication means and / or the relay server 460 and / or the Internet banking server 400, and then the customer to the web server ( 465) During the access process, after accessing through the temporary ID first, it is possible to change the temporary ID to another ID desired by the customer.

The information providing unit 480 generates predetermined member approval information including the member approval result (eg, a message indicating that the member has been successfully processed), and transmits the member approval information to predetermined customer communication. Means (eg, a customer-owned mobile phone, a customer mail account, a customer messenger ID, etc.) included in the customer information.

In addition, the information providing unit 480 generates predetermined member registration approval information including the member registration approval result (eg, "member registration has been processed normally"), and relays the member registration approval information to the relay. The server 460, and then the relay server 460 relays the membership approval information to the Internet banking server 465, and the Internet banking server 465 transmits the membership approval information to the customer. Output to the terminal 485.

If a predetermined temporary ID is issued by the information processing unit 440, the member registration approval information is replaced by a temporary ID of "xxxx" because the temporary ID issuance information (for example, the ID requested by the member is duplicated). You can change the temporary ID to the one you want when you first connect. "

5 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates an Internet banking system of FIG. 4, wherein a client authentication procedure is performed when the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet). As an embodiment of the present invention for connecting an internet banking-based financial transaction channel between the client terminal and the internet banking server, a person having ordinary skill in the art to which the present invention pertains may refer to FIG. 5 and / or It is possible to infer various implementation methods for connecting an internet banking-based financial transaction channel for online subscription processing using customer information corresponding to the customer ledger of the customer between the client terminal and the internet banking server. Includes all the implementation methods inferred, and the implementation method shown in FIG. It shall not be limited.

That is, FIG. 5 is based on the browser program when accessing the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although an implementation method of connecting an internet banking-based financial transaction channel for an online subscription process using customer information corresponding to the customer ledger of the customer between the client terminal and the internet banking server has been shown, it is common in the technical field to which the present invention pertains. Those skilled in the art can refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 5, based on a predetermined internet banking program mounted on the client terminal. Internet Although it is possible to infer an implementation method of connecting an Internet banking-based financial transaction channel for online subscription processing using customer information corresponding to the customer ledger of the customer between the king servers, the present invention is based on the internet banking program. To include provided Internet banking-based financial transactions, whereby the present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 5, in addition to the internet banking system, and a telebanking system and / or Another banking system such as a wireless banking system and / or a TV banking system can infer a method of connecting a non-face-to-face channel-based financial transaction channel for online subscription processing using customer information corresponding to the customer ledger. However, the present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future. The technical configuration of is not limited to the case of the Internet banking shown in FIG.

Hereinafter, in FIG. 5, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 5, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP-based network (500), the server connects a communication channel between the terminal and the server through the browser. In this case, the communication channel is a web page generated (or extracted) by a request of a browser program provided to the client terminal and transmitted to the client terminal, and the browser provided to the client terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (510).

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

If a predetermined security module is to be installed and / or updated in the terminal (515), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (520).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (525), or if the terminal does not need to mount and / or update the security module for internet banking (515), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (530), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by an encryption algorithm, confirming the digital signature in the terminal and / or knowing the encryption scheme (and / or encryption). A communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the above-mentioned method, and on-line using the customer information corresponding to the customer ledger of the customer at the terminal. Attaching a predetermined electronic signature to information (or data) to be provided to the server for subscription processing and / or encrypting and transmitting at least one encryption method (and / or encryption algorithm), the electronic signature on the server Means a communication channel for verifying and / or decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel may provide information to the terminal from the server according to a communication protocol defined in the internet banking program. Or a predetermined electronic signature to the data) and / or provided by encrypting with at least one encryption method (and / or encryption algorithm), the terminal confirms the electronic signature and / or the encryption method (and And / or a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and in the terminal, customer information corresponding to the customer ledger of the customer. Information to provide to the server for online membership processing using E-mail), and / or encrypts and transmits at least one encryption method (and / or encryption algorithm), and the server verifies the digital signature and / or the encryption method (and / or). Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (535).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Requesting 540, the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (545).

If the Internet banking customer authentication fails (550), the server blocks the Internet banking security channel for the terminal (555), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (550), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (560), where the Internet banking based The financial transaction channel refers to at least one financial transaction request requested from the terminal, and the server accesses the ledger on the financial system 125 to perform the requested financial transaction (eg, account inquiry, account transfer, bill payment). , ... ... etc.) means a communication channel that can handle.

6 is a diagram illustrating a method for processing online membership based on Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 6, in the Internet banking system shown in FIG. 4, the customer terminal 485 accesses the Internet banking server through the process shown in FIG. Then, if an internet banking-based financial transaction channel is connected between the customer terminal 485 and the internet banking server, the customer's customer from the customer terminal 485 to the internet banking server through the internet banking-based financial transaction channel. A method for requesting online membership using customer information corresponding to the ledger, and extracting customer information for the requested online membership registration process from the Internet banking server, which is common knowledge in the technical field to which the present invention pertains. If you have a person with reference to the Figure 6 and / or modified to the Internet bank between the customer terminal 485 and the Internet banking server Would be able to infer a variety of online registering processing method based financial transaction channel, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 6.

That is, FIG. 6 is connected to the Internet banking server through a predetermined browser program (eg, Microsoft's Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal 485 to access the Internet banking base. When a financial transaction channel is connected, the implementation method of processing the financial transaction requested from the customer terminal 485 through the browser program is illustrated, but a person having ordinary knowledge in the technical field to which the present invention pertains is shown in FIG. The internet banking-based financial transaction method using the browser program shown in FIG. 7 is made between the client terminal 485 and the internet banking server based on a predetermined internet banking program mounted on the client terminal 485. It is possible to infer various forms of internet banking-based financial transactions. However, the present invention includes provided Internet banking-based financial transactions based on the Internet banking program, whereby the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to and / or modify the Internet banking-based financial transaction method shown in Figure 6, in addition to the Internet banking system, in addition to the wireless banking system and / or telebanking Other banking systems, such as systems and / or home banking systems and / or TV banking systems, may infer non-face-to-face channel-based financial transactions for online membership using customer information corresponding to the customer ledger. The present invention relates to all kinds of non-face-to-face channel-based financial transactions including the wireless banking system and / or telebanking system and / or home banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future. In addition, the technical configuration of the present invention is limited to the case of the Internet banking shown in FIG. No.

Hereinafter, in FIG. 6, the customer terminal 485 is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

Referring to FIG. 6, when an internet banking-based financial transaction channel between the terminal and the server is connected through the process illustrated in FIG. 5, the terminal may register for on-line membership using customer information corresponding to the customer ledger of the customer. If the server requests an online membership through internet banking through the internet banking-based financial transaction channel (600), the server checks the internet banking-based online membership request requested from the terminal, thereby the internet banking. In operation 605, at least one subscription request user interface generation information for performing an online subscription procedure using the extracted information is extracted.

Thereafter, the server generates (or extracts) a web page corresponding to a predetermined member registration request interface including the extracted member registration request user interface generation information (610), and through the internet banking-based financial transaction channel. The generated (or extracted) web page is transmitted to the terminal and output (operation 615).

According to an embodiment of the present invention, the membership request interface may include at least one website information corresponding to a website to which the customer intends to register as a member, and at least one ID and password to be registered at the time of registration to the website. It is preferable to include an interface for inputting (or selecting) the membership request information including the above, and at this time, a predetermined password (for example, an account password), etc. And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) One-time generated by an OTP authenticator (or OTP certification program) provided to the customer This further comprising an interface for inputting the password) is preferred.

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal 485, the server does not generate (or extract) a web page, and the extracted member registration request user interface generation information. May be processed into a data structure corresponding to a predetermined communication protocol defined in the Internet banking program and transmitted to the terminal, whereby the present invention is not limited thereto.

Thereafter, the terminal includes at least one website information corresponding to a website to which the customer intends to register as a member through the membership request interface, and at least one or more IDs and passwords to be registered at the time of membership registration to the website. Member registration request information is input (or selected) (620).

If the subscription request information is input (or selected) through the subscription request interface at the terminal (625), the terminal transmits the subscription request information (or selected) through the financial transaction channel to the server. Transmit to (630).

According to the method of the present invention, transmitting the input (or selection) of the registration request information to the server through the financial transaction channel, the registration request information (or selection) input through the registration request interface. It comprises the electronic signature and / or encryption through the security module provided in the terminal and transmits to the server.

Thereafter, the server checks the validity of the membership request information by receiving and reading the membership request information through the financial transaction channel (635).

According to an embodiment of the present invention, receiving and reading the membership request information through the financial transaction channel and confirming validity may be performed between a website corresponding to the website information included in the membership request information and the server. It includes the process of checking whether a business partnership for the online membership processing is concluded.

In addition, the verification of the validity of the membership request information, it is preferable to further comprise the authentication of the password and / or security code and / or OTP included in the membership request information.

If the validity of the membership request information is not authenticated (640), the server generates a web page including predetermined membership request error information and transmits the generated webpage to the terminal (645). Do not carry out corresponding financial transactions.

On the other hand, if the validity of the membership request information is authenticated (640), the server checks the information usage agreement information associated with the customer ledger in connection with the financial system 125, the customer corresponding to the customer ledger Check whether the customer information to agree to use the online membership (650).

If the information use agreement information is not stored in the customer ledger in association and stored, and / or the use of information for the online membership is not agreed (or approved) in the information use agreement information (655). The server generates a web page including predetermined membership request error information and transmits the generated webpage to the terminal (645), and does not perform a financial transaction procedure corresponding to the membership request information.

According to another embodiment of the present invention, the information use agreement information is not stored in the customer ledger linked and stored, and / or the use of the information for the online membership in the information use agreement information is agreed (or approved). If not, the server may perform a function of the information processing server shown in FIG. 1, so that the server may request the customer terminal 485 to agree to use on-line membership of customer information corresponding to the customer ledger. Thereby, this invention is not limited.

On the other hand, if the use of information for the online membership is agreed (or approved) in the information use agreement information associated with the customer ledger (655), the server is linked to the financial system 125, the customer ledger of the customer Predetermined customer information (for example, information required for the online membership) is extracted from the 660.

7 is a diagram illustrating an online membership registration process using a customer ledger according to an embodiment of the present invention.

In more detail, FIG. 7 corresponds to the website information and the customer ledger of the customer when the customer information for the online membership is extracted from the internet banking server through the process as shown in FIG. 6. When the customer information and ID / password are transmitted to the web server corresponding to the website information through a predetermined relay server 460, the web server performs the online member registration procedure through the received customer information and ID / password. As a person of ordinary skill in the art to which the present invention pertains, one can infer various online membership registration processes using customer information corresponding to the customer ledger in the web server by referring to and / or modifying the drawing 7. As will be appreciated, the present invention encompasses all of the inferred implementation methods and is shown in FIG. 7. It not limited by.

Referring to FIG. 7, when the customer information for the online membership is extracted from the Internet banking server through the process as shown in FIG. 6, the Internet banking server receives the website information and the customer received from the customer terminal 485. The customer information extracted in response to the ledger and the ID / password are transmitted to the relay server 460 through a predetermined network means (700), and the relay server 460 uses the network means based on the website information. In step 705, the client server 110 transmits the customer information corresponding to the customer ledger and the ID / password to the web server corresponding to the website information.

Thereafter, the web server checks whether the ID received through the network means and the ID of another member registered in the member information D / B overlap (710).

If the received ID and the ID of another member registered in the member information D / B do not overlap (715), the web server associates the customer information and the ID / password corresponding to the customer ledger to the member. After storing in the information D / B (720), and generates the predetermined membership approval information including the membership approval result (725), the membership approval information is sent to the customer communication means (and / or relay server ( 460) and / or Internet banking server) to notify the customer of the result of the online membership using the customer information corresponding to the customer ledger.

On the other hand, if the received ID and the ID of another member registered in the member information D / B overlap (715), the web server is a temporary temporary that does not overlap with the ID of another member registered in the member information D / B. Issuing an ID (730), the customer information corresponding to the customer ledger and the temporary ID and password to process the connection and stored in the member information D / B (735), the temporary ID issuance information and the membership registration approval result After generating predetermined membership approval information including 740, and transmitting the membership approval information to the customer communication means (and / or relay server 460, and / or Internet banking server) (745). Notify the customer of the result of the online registration using the customer information corresponding to the customer ledger.

8 is a diagram illustrating a configuration of an internet banking system for an online member registration process according to another exemplary embodiment of the present invention.

In more detail, FIG. 8 illustrates a connection in which at least one client terminal 485 is connected to a communication channel for internet banking based on a TCP / IP (Transmission Control Protocol / Internet Protocol) based network (eg, the Internet). A method for implementing an internet banking system that processes at least one or more financial transactions requested from the client terminal 485 by interworking with the financial system 125 and 860 in the internet banking server 800, wherein the internet banking system includes a web. At least one customer terminal 485 provided with a browser, and the Internet banking server 800 for providing an Internet banking service to at least one or more of the customer terminal 485, the Internet banking server 800 Is associated with a financial system 125 that processes the financial affairs necessary to provide the Internet banking service via a predetermined interface means.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the Internet banking system shown in FIG. The present invention is not limited to the omitted elements.

That is, FIG. 8 is based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal 485, and the Internet banking server. Although the method of implementing the Internet banking system for processing the online subscription using the customer information corresponding to the customer ledger in the meanwhile, if you have ordinary knowledge in the technical field to which the present invention belongs, the browser shown in FIG. Refer to and / or modify an internet banking-based financial transaction channel connection method using a program to connect the customer ledger between the customer terminal 485 and the internet banking server based on a predetermined internet banking program mounted on the customer terminal 485. Internet banking system for processing online membership using corresponding customer information The configuration may be inferred, but the present invention includes an internet banking system provided based on the internet banking program, and the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modifying the Internet banking system configuration shown in Figure 8, the wireless banking system and / or telebanking system and And / or other banking systems, such as a home banking system and / or a TV banking system, may be inferred, but the present invention is directed to such a wireless banking system and / or a telebanking system and / or a home banking system and / or a TV banking system. Or any non-face-to-face channel banking system including a non-face-to-face channel banking system proposed in the future, the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The client terminal 485 includes at least one web browser for accessing the internet banking server 800 and receiving a browsing-based wired web service based on the wired communication function based on TCP / IP and the wired communication function. And a wired terminal including at least one desktop computer and / or a notebook, wherein the Internet banking server is provided through a predetermined network means including the TCP / IP-based Internet. 800 and a communication channel for internet banking is connected.

The financial system 125 is a computerized system provided to a predetermined financial institution to open at least one financial account to at least one customer and to process a financial transaction based on the financial account. Accounting system that handles window services such as credit or receiving or trust or foreign exchange, information system that processes headquarters operations, branch office information support and customer information management, financial system 125, homes, businesses, stores And external systems providing various electronic financial services (e.g., internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), foreign exchange, call center, financial settlement, etc. And an interface corresponding to a middleware platform for providing interfacing between components in the financial system 125. A module and at least one of storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in the components of the financial system 125. It includes a database management system (DBMS) including the above database, and the intention of the person skilled in the art and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose of the financial system 125 and Depending on the feature, 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 is generally known in the art Those skilled in the art will understand the technical details of the financial system 125 clearly, and thus the detailed description thereof will be omitted for convenience. The invention is not limited.

According to an embodiment of the present invention, the Internet banking server 800 is interlocked with the financial system 125 through the external system. For this purpose, the Internet banking server 800 is connected to the external system through a predetermined interface means. It is preferred to include a component for interworking with.

The Internet banking server 800 is a database for storing web operation data including at least one web page source and / or digital content for providing a predetermined web service to at least one customer terminal 485, and / or It is provided with a DBMS including a database for storing the Internet banking information required to provide a predetermined Internet banking service in conjunction with the financial system 125, or interoperating with the data server provided with the DBMS according to the implementation method In this way, a predetermined internet banking service is provided to at least one of the customer terminals 485.

According to an embodiment of the present invention, the Internet banking information may be configured to authenticate a customer corresponding to the customer terminal 485 when at least one or more customer terminals 485 access and log in to the Internet banking server 800, and / Or when the customer authenticates the financial transaction customer at least one financial transaction through the internet banking server 800, and / or when the customer subscribes to the internet banking server 800 at least one financial product. Customer authentication information for authenticating the customer to subscribe to, and when the financial transaction request from the customer through the customer terminal 485, in conjunction with the financial system 125 to process the financial transaction corresponding to the financial transaction request It is preferable to include banking element information for, at least one or more necessary for Internet banking according to the intention of the skilled person Boy be further included. However, the figure 8, this is omitted for convenience.

Referring to FIG. 8, the Internet banking server 800 connects to and manages a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing a predetermined Internet banking service to at least one or more customer terminals 485. A web page operating unit 815 for operating a web page to be provided to at least one or more customer terminals 485 in conjunction with an interface unit 805, the web interface unit 805, and the DBMS 820, and A UI processing unit 810 for generating a user interface (UI) screen for providing a predetermined Internet banking service to at least one customer terminal 485 in cooperation with the webpage operation unit 815, and the UI processing unit 810 extracts predetermined content for providing the Internet banking service from the DBMS 820, or receives predetermined content to be stored in the DBMS 820 from the customer terminal 485; Characterized in that it comprises a content management unit 825, the communication channel and the user interface for processing the Internet banking based on HTTP between the customer terminal 485 and the Internet banking server 800 by the functional configuration Is implemented.

In addition, the Internet banking server 800 authenticates the customer with at least one customer terminal 485 by interworking with the webpage operation unit 815 through the UI processing unit 810 based on the customer authentication information of the Internet banking information. It is characterized in that it comprises a customer authentication unit 830 to provide an interface screen, or at least one or more customer authentication information based on the interface screen.

In addition, the internet banking server 800 is linked to the web page operation unit 815 through the UI processing unit 810 based on the banking element information of the Internet banking information to the at least one customer terminal 485 financial transactions A banking processor 835 may be provided to provide a related interface screen or receive at least one financial transaction related information based on the interface screen.

In addition, the Internet banking server 800 is provided with a ledger processing unit 840 for interworking with the financial system 125 through a predetermined interface means 855 to perform a ledger processing procedure corresponding to the financial transaction requested by the customer. Characterized in that, the ledger processing unit 840 is preferably connected to the external system of the financial system 125 through the interface means 855.

The customer authentication information stored in the DBMS 820 includes ID / PW information and personal information (eg, name, resident registration number, address, contact information, etc.) of a customer accessing the Internet banking server 800 through the customer terminal 485. It is preferable to include the member information including at least one, wherein the customer authentication unit 830 in conjunction with the UI processing unit 810 to the ID / PW information of the customer to the customer terminal 485 Request, receive the ID / PW information from the customer terminal 485, and compare the received ID / PW information with the ID / PW information included in the member information to authenticate the customer. .

According to an embodiment of the present invention, the ID / PW information may be provided to the Internet banking server 800 according to a conventional ID / PW transmission / reception procedure, but the ID / PW information may be provided to provide a more advanced security function. The customer terminal 485 is encrypted through at least one or more of the symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method and / or key exchange encryption method Preferably, the customer authentication unit 830 further includes a function configuration for decrypting the ID / PW information.

In addition, the customer authentication information stored in the DBMS 820 may be a certification authority information (for example, KFTC) and certificate server information, and / or the issuing a predetermined official certificate to a customer connected through the customer terminal 485. Accredited certificate registrar information (e.g., when the accredited certificate is registered through the process, the process information, when the accredited certificate is registered through the process, etc.), and / or certificate information issued to the customer by the certification body. It is preferable to further comprise, wherein the customer authentication unit 830 requests the authentication certificate-based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, the customer from the authentication server By receiving an authentication result, the customer is characterized in that the authentication.

According to the embodiment of the present invention, the customer authentication unit 830 provides the communication session information and the certificate information connected to the customer terminal 485 to the authentication server of the certification authority, the authentication server is the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal 485 based on the, it is preferable to provide the result to the customer authentication unit 830.

In addition, the customer authentication information stored in the DBMS 820 may be made including a copy of an authorized certificate of a customer accessing the Internet banking server 800 through the customer terminal 485, and / or predetermined to the customer. It is preferable to include the directory connection information of the certification authority that issued the public certificate, wherein the customer authentication unit 830 in conjunction with the authentication server of the certificate authority that issued a predetermined public certificate to the customer the customer terminal Requesting certificate-based customer information from 485, receiving the certificate-based customer information from the customer terminal 485, and authenticating the certificate-based customer information through a copy of the accredited certificate and / or a directory of a certification authority, Characterize the customer.

According to one embodiment of the invention, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 830, or a predetermined random number generated by the customer terminal 485, in this case The client terminal 485 may be configured to at least one of the symmetric key (or secret key) encryption scheme, and / or public key encryption scheme, and / or electronic envelope encryption scheme, and / or key exchange encryption scheme for the random number through the certificate. Encrypted through the above encryption method and provided to the customer authentication unit 830 (for example, if the random number is generated in the customer terminal 485 further includes a random number in the form of a plain text), the customer authentication unit 830 Decrypts the encrypted random number based on the copy of the customer's accredited certificate and / or the certificate information of the customer extracted from the directory, compares each other, and / or the evaluation By intercomparison encrypts the form of a random number (e.g., a random number, and / or a random number generated in the customer terminal (485) generated by the client authentication unit 830), it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the storage information of the customer terminal 485 previously stored in the customer terminal 485 (for example, the Internet banking server 800). Information, and / or information (or system information) previously stored in the customer terminal 485, and / or storage read out from an IC card (and / or IC chip) linked with the customer terminal 485. Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the customer terminal 485 is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange for the stored information through the certificate Password using at least one of the encryption methods By providing to the customer authentication unit 830 and decrypting the stored information encrypted by the customer authentication unit 830 based on the copy of the customer's public certificate and / or the public certificate information of the customer extracted from the directory. By comparison, it is desirable to authenticate the customer.

According to another exemplary embodiment of the present invention, the certificate-based customer information includes input information (for example, a key input device provided in the customer terminal 485) input through an input means provided in the customer terminal 485. Information input through an input device (for example, a short-range communication device) other than a key input device provided in the customer terminal 485), and in this case, the customer terminal 485. The at least one encryption method of symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is used for the input information. Encrypt through the customer authentication unit 830, the customer authentication unit 830 and the copy of the authentication certificate of the customer and / or the certificate information of the customer extracted from the directory By intercomparison decrypts the encrypted information input by half, it is desirable to authenticate the customer.

In addition, the customer authentication information stored in the DBMS 820 is preferably made of OTP generation information for generating an OTP authentication code that matches the OTP code generated through the OTP (One Time Password) authenticator provided to the customer, At this time, the customer authentication unit 830 interoperates with the UI processing unit 810 to request a predetermined OTP code from the customer terminal 485, receives the OTP code from the customer terminal 485, and generates the OTP. Generate a predetermined OTP authentication code based on the information, and by comparing the received OTP code and the generated OTP authentication code, characterized in that for authenticating the customer.

According to the method of the present invention, the OTP code is a symmetric key (or secret key) encryption method, and / or public key encryption method, and / or electronic in the customer terminal 485 to provide a higher security function It is preferable that the data is encrypted and received through at least one or more of an envelope encryption method and / or a key exchange encryption method. For this purpose, the customer authentication unit 830 further includes a function configuration for decrypting the OTP code. It is preferable to make.

When at least one financial transaction is requested from the client terminal 485, the banking processor 835 requests the financial transaction corresponding to the requested financial transaction to the client terminal 485 in association with the UI processor 810. When the financial transaction request information input interface screen is provided and predetermined financial transaction request information is received (or selected) from the customer terminal 485 through the financial transaction request information input interface screen, the banking element information is referred to. The financial transaction information corresponding to the financial transaction request information may be generated (or extracted) and provided to the ledger processor 840.

For example, when the financial transaction requested from the customer terminal 485 is an account transfer transaction, the banking processing unit 835 may interwork with the UI processing unit 810 to provide information necessary for the account transfer to the customer terminal 485. And a predetermined interface screen for inputting (or selecting) withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc., and transfer the account through the interface screen. When information (e.g., withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is inputted (or selected) and received, the withdrawal is referred to with reference to the banking element information. The predetermined amount of the financial transaction information for withdrawing the transfer amount from the account and depositing the money into the deposit account is provided to the ledger processor 840.

According to the exemplary embodiment of the present invention, the banking processor 835 receives at least one financial transaction request information from the customer terminal 485 to perform at least one customer authentication scheme in conjunction with the customer authentication unit 830. It is preferable to authenticate the customer who requested the financial transaction through the above, and thereby the confidentiality of the customer who requested the financial transaction through the customer terminal 485 (or a customer who inputs (or selects) the financial transaction request information and transmits the information). Confidentiality, Authentication, Integrity and Nonrepudiation are secured.

According to an embodiment of the present invention, the banking processing unit 835 may secure the confidentiality, authentication, integrity and non-repudiation of at least one or more financial transaction request information transmitted from the customer terminal 485. In step 485, the electronic signature of the customer is attached to the financial transaction request information, and the financial transaction request information to which the electronic signature is attached is encrypted and transmitted using a public key encryption method according to a public key infrastructure. In this case, the banking processor 835 receives the financial transaction request information from the customer terminal 485, decrypts the public key decryption method according to the public key infrastructure, and confirms the electronic signature. Confidentiality, authentication, integrity and non-repudiation of financial transaction request information are secured.

Alternatively, the banking processor 835 may secure the confidentiality, authentication, integrity, and nonrepudiation of the financial transaction request information transmitted from the client terminal 485 for at least one financial transaction. In this case, the financial transaction request information may be encrypted and transmitted by an electronic envelope method. In this case, the banking processor 835 may receive the financial transaction request information from the customer terminal 485 and decrypt the electronic transaction method. Preferably, the confidentiality, authentication, integrity and nonrepudiation of the financial transaction request information are secured.

The ledger processing unit 840 is characterized in interworking with the financial system 125 through a predetermined interface means, when the predetermined financial transaction information is generated (or extracted) by the banking processing unit 835, Identifying at least one or more ledger information to be extracted from the ledger on the financial system 125 in response to financial transaction information, and extracting the identified ledger information from the ledger on the financial system 125 through the interface means; And / or generate (or extract) ledger record information recorded in the ledger on the financial system 125 in response to the financial transaction information, and generate (or extract) the ledger on the financial system 125 via the interface means. Extract the ledger record information.

For example, the financial transaction requested from the customer terminal 485 is an account inquiry transaction for the last one month, and the financial transaction information (eg, account inquiry section information, account number, etc.) for the account inquiry is performed by the banking processor 835. When generated (or extracted), the ledger processing unit 840 is based on the financial transaction information for the account inquiry, the account ledger associated with the customer ledger on the financial system 125 via the interface means (and / or the The transaction history of the account is extracted from the transaction history of the account ledger) and provided to the banking processor 835.

According to the present invention, in order to use the customer information corresponding to the customer ledger provided in the financial system 125 for online membership, the webpage operation unit 815 registers a predetermined subscription from the customer terminal 485. And generating (or extracting) a web page including a user interface for inputting (or selecting) and providing request information, and correspondingly, the customer terminal 485 is configured to allow the customer to be a member through the user interface. Input (or select) membership request information including at least one web site information to be registered and account information including ID and password to be registered on the web site and transmit it to the Internet banking server.

Referring to FIG. 1, in order to use customer information corresponding to a customer ledger provided in the financial system 125 for online membership, the Internet banking server 800 is interworked with a web interface unit 805 to connect the network. Government receiving unit for receiving the membership registration request information including at least one or more of the registration target website information transmitted from the customer terminal 485 and the account information including the ID and password to be registered on the website through the means; When receiving the membership request information, confirming the information usage consent information of the customer stored in association with the customer ledger confirmed by the customer authentication unit 830, and the result of the confirmation that the customer Information for extracting customer information corresponding to the customer ledger when agreeing to use customer information corresponding to the customer ledger Information for transmitting the extracted customer information and ID and password information included in the membership request information to a web server corresponding to the website information using a verification unit and the website information included in the membership request information; Characterized in that it comprises a transmission unit.

The information receiving unit 845 generates (or extracts) a web page including a user interface for allowing the web page operation unit 815 to input (or select) and provide predetermined member registration request information to the web interface unit. In the case where the information is provided to the customer terminal 485 through 805, the website information to be registered (or selected) inputted through the user interface in the customer terminal 485, an ID to be registered on the website, and Characterized in that the request for membership registration information including at least one or more account information including a password.

Here, the website information included in the membership request information includes a website name corresponding to a website for providing account information including the ID and password information and customer information extracted from the financial system 125, and / Or at least one website address, and the account information included in the membership request information includes at least one ID and password that the customer wants to register when registering on the website. Do.

The information checking unit 855 receives online registration using the customer information corresponding to the customer ledger of the customer from the customer terminal 485 when the member registration request information is received through the information receiving unit 845. Is requested), by confirming the information usage agreement information of the customer stored in association with the customer ledger confirmed by the customer authentication unit 830, the customer is the customer information corresponding to the customer ledger of the customer It is characterized by checking whether the user agrees to (or approves) the use of a predetermined online membership.

If the customer confirms (or approves) to use the customer information corresponding to the customer ledger of the customer for a predetermined online membership, the information confirming unit is ledger provided in the DBMS on the financial system 125. And extracting customer information corresponding to the customer ledger from the D / B.

On the other hand, if the customer does not agree (or approve) to use the customer information corresponding to the customer ledger of the customer for a predetermined online membership, the information checking unit is the user through the web page operation unit 815. The web interface may be generated by requesting information usage consent information as shown in FIG. 1 and / or generating registration request error information that may not use customer information corresponding to the customer ledger for a predetermined online membership. Through the unit 815 is transmitted to the customer terminal 485.

When the information transmitting unit 850 receives the member registration request information through the information receiving unit 115 and also extracts customer information corresponding to the customer ledger of the customer through the information checking unit 845, Using the website information included in the membership request information, the customer information corresponding to the customer ledger of the customer and the ID and password information included in the membership request information correspond to the website information through predetermined network means. It characterized in that the transmission to the web server (465).

Referring to FIG. 8, the web server 465 includes an information receiver 470 for receiving customer information and the ID and password information corresponding to the customer ledger of the customer through the network means, and the information receiver 470. Check whether the ID received through the overlap with the ID of another member registered in the member information D / B provided in the web server 465, and if the received ID is not duplicated, the received customer information And an information processing unit 475 for linking and processing the account information including the ID and password information to a predetermined member information D / B, and the member approval information including the membership approval result. And / or an information providing unit for notifying the Internet banking server 800.

The information receiver 115 receives the customer information corresponding to the customer ledger of the customer and the ID and password information transmitted from the internet banking server 800 through the network means. The customer information and the ID and password information are provided to the information processing unit 475.

The information processing unit 475 checks whether the ID received through the information receiving unit 405 overlaps with an ID of another member already registered in the member information D / B provided in the web server.

If the ID received through the information receiving unit 115 is not duplicated, the information processing unit associates the customer information received from the Internet banking server with account information including the ID and password information to provide predetermined member information. It is characterized by storing in the D / B.

On the other hand, if the ID received through the information receiving unit 115 overlaps, the information processing unit issues a predetermined temporary ID that is not duplicated with an ID of another member previously registered in the member information D / B. And replace the customer information received from the Internet banking server 800 with the password and the temporary ID and store the information in the member information D / B. It is included in the membership approval information through the study 480 is notified to the customer communication means and / or the Internet banking server 800, and then the temporary ID in the process of accessing the web server 465 by the customer After first accessing through, it is possible to change the temporary ID to another ID desired by the customer.

The information providing unit 480 generates predetermined member approval information including the member approval result (eg, a message indicating that the member has been successfully processed), and transmits the member approval information to predetermined customer communication. Means (eg, a customer-owned mobile phone, a customer mail account, a customer messenger ID, etc.) included in the customer information.

In addition, the information providing unit 480 generates predetermined member approval information including the member approval result (eg, a message indicating that the member has been successfully processed), and converts the member approval information into the Internet. Provided to the banking server 800, the Internet banking server 800 transmits the member registration approval information to the customer terminal (485) and outputs.

If a predetermined temporary ID is issued by the information processing unit 475, the member registration approval information is replaced by a temporary ID of "xxxx" because the temporary ID issuance information (for example, "an ID requested by the member is duplicated"). You can change the temporary ID to the one you want when you first connect. "

9 is a diagram illustrating a process of connecting an internet banking-based financial transaction channel according to another embodiment of the present invention.

In more detail, in FIG. 9, the Internet banking system shown in FIG. 8 includes a predetermined customer authentication procedure when the client terminal accesses the Internet banking server through a TCP / IP based network (eg, the Internet). An embodiment of the present invention relates to an internet banking-based financial transaction channel between the client terminal and the internet banking server. The present invention may be applied to those skilled in the art. It is possible to infer various implementation methods for connecting the Internet banking-based financial transaction channel for the online membership processing using the customer information corresponding to the customer ledger of the client between the client terminal and the Internet banking server 800 by transforming. The present invention includes all the implementation methods inferred from the above, and the implementation shown in FIG. It is not limited to the method.

That is, FIG. 9 shows the browser program when accessing the Internet banking server 800 through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal. Although the implementation method for connecting the Internet banking-based financial transaction channel for the online membership processing using the customer information corresponding to the customer ledger of the customer between the client terminal and the Internet banking server 800 based on the present invention, Those skilled in the art may refer to and / or modify an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 9 and / or modify a predetermined internet banking program mounted on the client terminal. Based on the client terminal It is possible to infer an implementation method of connecting an internet banking-based financial transaction channel for online subscription processing using customer information corresponding to the customer ledger of the customer between the internet banking server 800, but the present invention provides the Internet banking. Includes provided Internet banking based financial transactions based on the program, whereby the present invention is not limited.

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 9, in addition to the internet banking system, and a telebanking system and / or Another banking system such as a wireless banking system and / or a TV banking system can infer a method of connecting a non-face-to-face channel-based financial transaction channel for online subscription processing using customer information corresponding to the customer ledger. However, the present invention encompasses all types of non-face-to-face channel based financial transactions, including the telebanking system and / or wireless banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future. Is not limited to the case of the Internet banking shown in FIG.

In the following figure, the client terminal is referred to as " terminal " for convenience and the Internet banking server is referred to as " server " for convenience.

Referring to FIG. 9, when the terminal executes a predetermined browser program and accesses the server 800 through the TCP / IP-based network (900), the server 800 connects the terminal and the server through the browser. The communication channel is connected to the communication channel (905), wherein the communication channel is generated by the server (800) in response to a request of a browser program provided in the client terminal (or extracted) a predetermined web page to the client A predetermined communication session to transmit to the terminal and receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the client terminal. It means to assign.

According to another embodiment of the present invention, when the client terminal is provided with a predetermined internet banking program, the server 800 is based on a predetermined communication protocol defined in the internet banking program and at least one of the Internet banking program. A communication channel for transmitting and receiving the above information (or data) can be allocated.

Thereafter, the server 800 includes a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal. And / or by adding a predetermined script for checking whether to update the security module to the terminal and providing the terminal with a predetermined security module for internet banking, and / or the security module. It is checked whether or not to update (910).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the server 800 requests the version information and / or the last update date information, etc. from the internet banking program. You can check whether you want to update the program (and / or the security module associated with the Internet banking program).

If a predetermined security module is to be installed and / or updated in the terminal (915), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update (920).

If the terminal does not need to mount and / or update the latest version of the security module for internet banking (925), or if the terminal does not need to mount and / or update the security module for internet banking (915), the server 800 ) Activates the internet banking security module installed in the terminal, thereby connecting a security channel for internet banking (or converting a communication channel between the terminal and the server to a secure channel) between the terminal and the server (930), wherein the Internet The security channel for banking means attaching a predetermined digital signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server 800 and / or If the terminal encrypts and provides at least one encryption method (and / or encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption). Means a communication channel for decoding the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an algorithm), and the terminal uses the customer information corresponding to the customer ledger of the customer. When a predetermined electronic signature is attached to information (or data) to be provided to the server 800 for the subscription processing, and / or is encrypted and transmitted by at least one encryption method (and / or encryption algorithm), the server ( A communication channel for verifying the digital signature and / or decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm) at 800. it means.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal, the Internet banking-based secure channel is provided from the server 800 to the terminal according to a communication protocol defined in the internet banking program. When the electronic signature is attached to the information (or data) to be performed and / or is encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method. Means a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to (and / or an encryption algorithm), and also corresponding to the customer ledger of the customer at the terminal. Information to be provided to the server for online membership processing using customer information (or Attaching a predetermined digital signature to data and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method (and / or Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

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

When the secure channel for internet banking is connected, the server 800 requests the terminal to perform an internet banking customer authentication procedure through the browser program (935).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. When (or generated) is transmitted to the server 800, the server 800 is made, including authenticating a customer connected through the terminal based on the customer authentication data as an Internet banking customer, At this time, the customer authentication data is preferably transmitted through the electronic signature and / or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940), the server (and / or authentication server) authenticates the customer connected through the terminal as an Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945).

If the Internet banking customer authentication fails (950), the server blocks the Internet banking security channel for the terminal (955), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950), the server 800 converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the terminal (960), where Internet banking-based financial transaction channel refers to at least one financial transaction request from the terminal, the server accesses the ledger on the financial system 125 to the requested financial transaction (eg, account inquiry, account transfer). , Bill payment, ..., etc.).

10 is a diagram illustrating a method for processing online subscription based on internet banking according to another embodiment of the present invention.

In more detail, in FIG. 10, in the Internet banking system shown in FIG. 8, the customer terminal 485 accesses the Internet banking server 800 through a process shown in FIG. After performing, if the Internet banking-based financial transaction channel is connected between the customer terminal 485 and the Internet banking server, the Internet banking server 800 through the Internet banking-based financial transaction channel in the customer terminal 485 As an embodiment of the present invention, a method for requesting online membership using customer information corresponding to the customer ledger of the customer and extracting customer information for the requested online member registration process from the internet banking server 800 is provided. Those skilled in the art to which the invention pertains may refer to, and / or modify, this figure 10 to establish a connection between the customer terminal 485 and the Internet banking server. Would be able to infer a variety of online registering processing method using the Internet banking based financial transaction channel, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

That is, FIG. 10 is connected to the Internet banking server 800 through a predetermined browser program (for example, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal 485. When an internet banking-based financial transaction channel is connected, a method of processing a financial transaction requested from the client terminal 485 through the browser program is illustrated, but a person having ordinary knowledge in the technical field to which the present invention belongs, The customer terminal 485 and the internet banking server based on a predetermined internet banking program mounted on the customer terminal 485 by referring to and / or modifying an internet banking-based financial transaction method using the browser program shown in FIG. 10. Infers various forms of Internet banking-based financial transaction methods between (800) Number would be, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to and / or modify the Internet banking-based financial transaction method shown in Figure 10, in addition to the Internet banking system, in addition to the wireless banking system and / or telebanking Other banking systems, such as systems and / or home banking systems and / or TV banking systems, may infer non-face-to-face channel-based financial transactions for online membership using customer information corresponding to the customer ledger. The present invention relates to all kinds of non-face-to-face channel-based financial transactions including the wireless banking system and / or telebanking system and / or home banking system and / or TV banking system and / or the non-face-to-face channel banking system proposed in the future. In addition, the technical configuration of the present invention is limited to the case of the Internet banking shown in FIG. Not the nose.

In the following figure 10, the customer terminal 485 is referred to as a "terminal" for convenience, and the Internet banking server is referred to as a "server" for convenience.

* Referring to FIG. 10, when the internet banking-based financial transaction channel between the terminal and the server is connected through the process shown in FIG. 9, the terminal registers online using the customer information corresponding to the customer ledger of the customer. In order to request online membership through internet banking to the server 800 through the inter-banking-based financial transaction channel (1000), the server 800 requests the online banking-based online membership request requested from the terminal. In operation 1005, at least one member registration request user interface generation information for performing an online member registration procedure using the Internet banking is extracted.

Subsequently, the server 800 generates (or extracts) a web page corresponding to a predetermined membership request interface including the extracted membership request user interface generation information (1010), and the internet banking-based financial transaction channel. In operation 1015, the generated (or extracted) web page is transmitted to the terminal.

According to an embodiment of the present invention, the membership request interface may include at least one website information corresponding to a website to which the customer intends to register as a member, and at least one ID and password to be registered at the time of registration to the website. It is preferable to include an interface for inputting (or selecting) the membership request information including the above, and at this time, a predetermined password (for example, an account password) and the like to secure integrity and non-repudiation of the membership request information; And / or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application) and / or one time password (OTP) (e.g., after an internet banking application process (or after an internet banking application)) One-time generated by an OTP authenticator (or OTP certification program) provided to the customer It is preferable to further include an interface for inputting a password).

In addition, the web page transmission and / or output process is preferably performed at least once in accordance with the Internet banking financial transaction procedure, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the client terminal 485, the server 800 does not generate (or extract) a web page, and the extracted member requesting user. The interface generation information may be processed into a data structure corresponding to a predetermined communication protocol defined in the internet banking program and transmitted to the terminal, thereby the present invention is not limited thereto.

Thereafter, the terminal includes at least one website information corresponding to a website to which the customer intends to register as a member through the membership request interface, and at least one or more IDs and passwords to be registered at the time of membership registration to the website. Membership request information is input (or selected) (1020).

If the subscription request information is input (or selected) through the subscription request interface at the terminal (1025), the terminal transmits the subscription request information (or selected) through the financial transaction channel to the server. Transmit to (800) (1030).

According to an embodiment of the present invention, transmitting the input (or selection) registration request information to the server 800 through the financial transaction channel is a member input (or selection) through the registration request interface. And the electronic signature and / or encryption through the security module provided in the terminal to transmit the subscription request information to the server 800.

Thereafter, the server 800 checks and validates the validity of the membership request information by receiving and reading the membership request information through the financial transaction channel (1035).

According to an embodiment of the present invention, receiving and reading the membership request information through the financial transaction channel and confirming validity includes: a website corresponding to the website information included in the membership request information and the server ( And a process of checking whether a business alliance for processing online membership is concluded.

In addition, the verification of the validity of the membership request information, it is preferable to further comprise the authentication of the password and / or security code and / or OTP included in the membership request information.

If the validity of the membership request information is not authenticated (1040), the server 800 generates a web page including predetermined membership request error information and transmits it to the terminal (1045). Do not perform financial transaction procedures corresponding to the requested information.

On the other hand, if the validity of the membership request information is authenticated (1040), the server 800 checks the information use agreement information associated with the customer ledger in conjunction with the financial system 125, the customer is the customer It is checked whether the customer information corresponding to the ledger is agreed to be used for the online membership (1050).

If the information use agreement information is not stored in the customer ledger in association and stored, and / or the use of information for the online membership is not agreed (or approved) in the information use agreement information (1055). The server 800 generates a web page including predetermined membership request error information and transmits the generated webpage to the terminal 1045, and does not perform a financial transaction procedure corresponding to the membership request information.

According to another embodiment of the present invention, the information use agreement information is not stored in the customer ledger linked and stored, and / or the use of the information for the online membership in the information use agreement information is agreed (or approved). If not, the server 800 performs the function of the information processing server 800 shown in FIG. 1, thereby making online membership of the customer information corresponding to the customer ledger from the customer terminal 485 possible. It may be requested to agree, thereby limiting the invention.

On the other hand, if the use of information for the online membership is agreed (or approved) in the information use agreement information linked to the customer ledger (1055), the server 800 is linked to the financial system 125 and the customer Predetermined customer information (for example, information required for the online membership) is extracted from the customer ledger of 1060.

11 is a diagram illustrating an online membership registration process using a customer ledger according to another embodiment of the present invention.

In more detail, in FIG. 11, when the customer information for the online membership is extracted from the Internet banking server 800 through the same process as in FIG. 10, the website information is used by the Internet banking server 800. When the customer information and ID / password corresponding to the customer ledger of the customer are transmitted to the web server 800 corresponding to the website information, the web server 800 receives the online information through the received customer information and ID / password. As a person who has a general knowledge in the technical field to which the present invention pertains, the member registration procedure is performed by referring to and / or modifying the drawing 11 to use the customer information corresponding to the customer ledger in the web server 800. Various online membership process may be inferred, but the present invention encompasses all of the inferred implementation methods and is shown in FIG. It is not limited by law.

Referring to FIG. 11, when the customer information for the online membership is extracted from the Internet banking server 800 through the same process as that of FIG. 10, the Internet banking server 800 includes the web included in the membership request information. Read the site information to check the member web server 800 to be registered (1100), and to the customer ledger by the web server 800 corresponding to the website information through the network means based on the website information. The corresponding customer information and the ID / password are transmitted (1105).

Thereafter, the web server 800 checks whether the ID received through the network means and the ID of another member registered in the member information D / B overlap (1110).

If the received ID and the ID of another member registered in the member information D / B do not overlap (1115), the web server 800 processes the ID and password associated with the customer information corresponding to the customer ledger. Store the member information in the D / B (1120), generate predetermined membership approval information including the membership approval result (1125), and transmit the membership approval information to the customer communication means (and / Or by transmitting to the relay server 800 (460) and / or the Internet banking server 800 (1145), the customer is notified of the result of the online membership using the customer information corresponding to the customer ledger.

On the other hand, if the received ID and the ID of another member registered in the member information D / B overlap (1115), the web server 800 does not duplicate the ID of another member registered in the member information D / B. Issuing a predetermined temporary ID (1130), and process the customer information corresponding to the customer ledger and the temporary ID and password in association with the member information stored in the D / B (1135), the temporary ID issuing information and the member After generating predetermined membership approval information including a subscription approval result (1140), the membership approval information is transmitted to the customer communication means (and / or relay server 800, 460), and / or the Internet banking server ( 800), the customer is notified of the result of the online membership using the customer information corresponding to the customer ledger.

According to the present invention, upon membership registration of the website, based on the trusted customer ledger accumulated in the financial institution based on the customer's real name verification by the Act on the Real-name Financial Transactions and the Guarantee of Confidentiality and the Concurrent Enforcement Decree (Presidential No. 15744), There is an advantage in that the membership can be registered without providing personal information that may cause a privacy problem to the website, thereby preventing the privacy of the website member customer.

According to the present invention, the website operator can fundamentally block malicious membership through the verification process of customer information based on the customer ledger provided in the financial institution, and accumulate reliable member information only for member management. There is an advantage to that.

Claims (1)

Information receiving means for receiving predetermined membership request information such as login information, website information, ID, and password information to be registered from the customer terminal; Information processing means for processing customer authentication in association with a customer ledger database, and extracting customer information corresponding to the customer from the customer ledger database after the customer authentication process; And And the information transmitting means for transmitting the extracted customer information and the membership request information received from the customer terminal to a server-subscription relay processing server or the site management server. Membership processing system used.

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