KR20080080471A - System for operating loan management account - Google Patents

Abstract

A system for operating a loan management account is provided to extend an available loan amount of a customer maximally by opening the loan management account of which a total available loan amount is determined depending on a range and a value of customer assets provided as security, and updating available loan amount/condition information of the loan management account. An account opener opens a loan management account of which a total available loan amount is determined depending on a range and a value of customer assets provided as security to manage a plurality of loans of a customer with one account. An information updater(530) updates available loan amount/condition information of the loan management account by checking asset change of the customer periodically. An information transmitter(515) transmits the updated available loan amount/condition information to a communication tool of the customer. A loan processor(540) processes the loan with the loan management account when the customer requests the loan based on the available loan amount/condition information.

Description

Loan Management Account Management System {System for Operating Loan Management Account}

1 is a view showing a loan management account opening and information registration system according to an embodiment of the present invention.

2 is a diagram illustrating a loan management account opening information and related information registration process in which a loanable amount is determined according to a customer security asset according to an exemplary embodiment of the present invention.

3 is a view showing a loan management account opening and information registration system according to another embodiment of the present invention.

4 is a diagram illustrating a loan management account opening information and related information registration process of determining a loanable amount corresponding to a customer security asset according to another embodiment of the present invention.

5 is a diagram illustrating a configuration of an information operation system for managing and operating a customer's loan management account according to an embodiment of the present invention.

6 is a diagram illustrating a process of managing and operating a customer's loan management account according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a system configuration for providing total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to an exemplary embodiment of the present invention. .

8 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

9 is a diagram illustrating a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the customer after performing authentication of an Internet banking using customer according to an embodiment of the present invention.

FIG. 10 is a diagram illustrating a system configuration for providing a total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to another embodiment of the present invention. to be.

11A and 11B illustrate a process of accessing a wireless banking server from a customer terminal for a predetermined financial transaction according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the customer information to a wireless banking user terminal according to an embodiment of the present invention.

FIG. 13 illustrates a system configuration for providing a total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to another embodiment of the present invention. Drawing.

14A and 14B illustrate a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the financial transaction customer information to the financial terminal when using the financial terminal according to another embodiment of the present invention. One drawing.

<Description of main parts of drawing>

100: information registration server 105: interface unit

110: interface providing unit 115: information receiving unit

120: information generating unit 125: information storage unit

130: financial system 135: ledger D / B

According to the present invention, a total loanable amount is determined according to a range and a value of a customer asset to be provided as collateral, and an account opening means for opening a predetermined loan management account, characterized in that a plurality of loans of a customer are processed into a single account. And periodically checking the asset change of the customer to update the loanable amount information and the loan condition information of the opened loan management account and the updated loanable amount information and the loan condition information of the customer. Loan processing for processing the loan requested by the customer through the opened loan management account when the predetermined loan request on the basis of the information providing means for transmitting to the communication means and the loan amount information and loan condition information It relates to a loan management account management system comprising a means.

In the globalization of financial markets, large-scale, diversification and entry of non-financial firms into the financial industry are rapidly accelerating changes in the financial market. In particular, the diversification of financial market changes is due to the increased demand for various products of customers, the launch of linked products of each industry according to the development of one-stop shopping, financial engineering, and effective risk management and profit management through the appropriate portfolio of each financial industry. The promotion is in progress.

In this market environment, a Cash Management Account (CMA) is a product that allows a customer comprehensive access to a range of investment products and services, including mutual funds, stocks, bonds and cash assets. Accounts can not only diversify their investment portfolios, but also leverage them.

In addition, automatic investment adjustment and reinvestment using cash dividends are made, and it is easy to prepare separate and comprehensive reports in the process of calculating taxes at the end of the year. It is getting a lot of attention by providing the function.

As such, it is time to develop financial products that can take loans on a scale using various collateral assets held by customers.

An object of the present invention for solving the above problems, the total loanable amount is determined in accordance with the range and value of the customer assets to be provided as collateral, a predetermined account characterized in that the processing of a plurality of loans of customers in a single account Account opening means for opening a loan management account, account management means for periodically checking a change in assets of the customer, and updating loanable amount information and loan condition information of the opened loan management account and the renewed loanable amount Information providing means for transmitting information and loan condition information to the communication means of the customer, and when the customer requests a predetermined loan based on the loanable amount information and the loan condition information, through the opened loan management account. The present invention provides a loan management account management system including a loan processing means for processing a loan requested by a customer.

In the loan management account management system according to the present invention, the total loanable amount is determined according to the range and value of the customer assets to be provided as collateral, and predetermined loans characterized in that a plurality of loans of customers are processed in a single account. Account opening means for opening a management account, account management means for periodically checking the change in the assets of the customer, and updating loanable amount information and loan condition information of the opened loan management account and the updated loanable amount information. And information providing means for transmitting the loan condition information to the communication means of the customer, and when the customer requests a predetermined loan based on the loanable amount information and the loan condition information, the customer through the opened loan management account. And a loan processing means for processing the requested loan.

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

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

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

Information storage unit 125 is a view showing a loan management account opening and information registration system according to an embodiment of the present invention.

In more detail, FIG. 1 relates to an information registration system for opening a loan management account for registering a loan amount to a customer who visited each branch (or head office) of a financial institution in response to a customer collateral asset. As one of ordinary skill in the art to which the present invention pertains, a loan management account for determining a loanable amount corresponding to a customer security asset to a customer by referring to and / or modifying the drawing 1 is provided. Various system configurations for processing information registration may be inferred, but the present invention includes all the inferred implementation methods, and is not limited by the implementation method shown in FIG.

According to the present invention, the loan management account is characterized in that the processing of a plurality of loans into a single account.

Referring to FIG. 1, the financial system 135 shown in the loan management account opening and information registration system opens at least one financial account to at least one or more customers, and processes a financial transaction based on the financial account. A computerized system provided to a predetermined financial institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch, processing headquarters, branch office information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), by connecting to the information system and the external computer network including the financial system and homes, businesses, stores and card companies. An external system that provides a foreign exchange, a call center, a financial settlement, etc., and an interface between components in the financial system. An interface module corresponding to a middleware platform that provides a system, and predetermined information (eg, ledger information, and / or customer information, and / or information required for each function in a component in the financial system). It includes a DBMS (Database Management System) including at least one database for storing and managing management information, etc., and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) And according to the purpose and characteristics of the financial system, 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), Thereby, this invention is not limited.

According to an embodiment of the present invention, a financial institution equipped with the financial system 135 may open and / or open a loan management account in which a loanable amount is determined in response to the customer security asset, such as a commercial bank, a savings bank, or a securities company. It is desirable to include all financial institutions that can be operated, and not limited to specific financial institutions.

In addition, the DBMS provided in the financial system 135 includes a ledger including at least one of a customer ledger, a reception ledger, a loan ledger, a collateral ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is called ledger D / B.

According to the implementation method of the present invention, the financial system 135 is the information related to the loan management account (eg, the customer security asset information and loan management) in which the loanable amount is determined corresponding to the customer security asset in accordance with the present invention. It is characterized in that it is connected to the information registration server 100 for performing the registration of customer information, etc. required for opening an account through a financial network or a predetermined communication network.

Here, the information registration server 100 is characterized in that the window terminal or CD / ATM (for example, interlocking with the unmanned terminal provided in the branch of the financial institution (and / or affiliated with the financial institution).

Hereinafter, at least one or more means for processing opening of the loan management account and information registration in which the loanable amount is determined in response to the customer security asset according to the present invention in connection with the teller terminal on the financial system 135; Components corresponding to the functional configuration are referred to as "information registration server 100" for convenience.

According to the implementation method of the present invention, the information registration server 100 is provided with the customer collateral asset information from the window terminal for opening a loan management account in which the loanable amount is determined corresponding to the customer collateral asset. It is done.

In addition, according to another embodiment of the present invention, the information registration server 100 receives the information on the customer collateral assets from the customer wired and wireless terminal to open a loan management account in which the loanable amount is determined corresponding to the customer collateral assets. It is characterized by receiving.

According to Figure 1, the opening and information registration system of the loan management account for determining the loanable amount corresponding to the customer collateral assets is provided in each branch of the financial institution, the teller terminal used by the teller of the branch, An information registration server 100 connected to the counter terminal and a predetermined financial network, provided on the financial system 135 of the financial institution and / or interworking with the financial system 135, and a customer opened to the customer. It includes the ledger D / B, which stores the ledger information corresponding to the loan management account in which the loanable amount is determined corresponding to the collateral assets.

The teller terminal is provided with predetermined customer information, predetermined loan management account opening application information, and predetermined customer secured asset information from the customer for opening a loan management account in which a loanable amount is determined corresponding to the customer secured asset according to the present invention. And receiving the customer information, loan management account opening application information, and predetermined customer collateral asset information to the information registration server 100 through the financial network.

The customer collateral asset information may include at least one or more customer-owned goods and assets that will constitute the loan management account to be opened. For example, the collateral asset may include a Certificate of Deposit (CD). It is possible to include assets from other accounts, such as monetary assets and cash management accounts (CMAs), working capital management accounts (WCMAs), and trust management accounts (TMAs).

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

According to an exemplary embodiment of the present invention, the customer may apply for a loan management account opening application (eg, a customer information item and a loan management account opening application information item and a loan management account opening) in which a loanable amount is determined corresponding to a predetermined customer security asset. The customer information and the customer's collateral assets by submitting an application for opening a loan management account for which a loanable amount is determined in response to the customer's collateral asset, to the counter employee. In response to the loan amount is determined to provide loan management account open application information is preferably provided to the teller terminal.

Here, when the customer outputs an information input interface screen including a customer information input item (for example, a customer information input item and a loan management account opening application information input item to a predetermined screen output device) associated with the teller terminal, The customer information and the loan management account opening application information through a key input device through a terminal provided to the window terminal for inputting predetermined information into an information input item corresponding to the information input interface. It is possible to provide to the terminal, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the provision of the collateral asset information to constitute the opened loan management account may not necessarily be performed through the window terminal, but may be performed through the wired terminal or the wireless terminal of the customer.

For example, as described above, in the process of opening a loan management account in which a loanable amount is determined in response to a customer security asset through the counter terminal, it is possible to register the security asset information to constitute the opened loan management account. Not limited to this, after the establishment of a loan management account in which a loanable amount is determined in correspondence with the customer security asset of the customer, the customer security asset information may be provided through the wired terminal or the wireless terminal of the customer. .

In this case, when modification or change of the previously registered collateral asset information is required, the customer may be provided with a more convenient information registration interface even if the customer does not visit the window directly through the wired terminal or the wireless terminal of the customer. Examples will be described in more detail below.

However, in order to provide collateral asset information associated with a loan management account for which a loanable amount is determined corresponding to the customer collateral asset through the wired terminal or the wireless terminal of the customer, the customer has opened the loan management account. It is apparent that certain authentication means (e.g., an accredited certificate, etc.) may be required to certify that.

Referring to FIG. 1, a loan management account and information registration process provided in the financial system 135 or linked with the financial system 135 to determine a loanable amount corresponding to a customer security asset of the customer. The information registration server 100 for performing the connection and management of the communication channel for receiving the loan management account application information and opening the loan management account and at least one or more window terminals (and / or customer terminals) through a predetermined financial network When the interface unit 105 and the window terminal serving as the information registration terminal are connected to the information registration server 100 through the interface unit 105, the interface unit 105 interworks with the interface unit 105. The customer of the customer corresponding to the loan management account opening application information including the loan management account opening application customer information at the terminal and the loan management account to be opened application An interface providing unit 110 for generating (or extracting) a predetermined information input (or selection) interface for inputting (or selecting) collateral information and providing the same to a window terminal serving as the information registration terminal; An information receiving unit 115 for receiving loan management account opening application information including predetermined loan management account opening application customer information and predetermined customer collateral asset information from the counter terminal in association with the interface unit 105; Generate at least one ledger information corresponding to the loan management account for which the loanable amount is determined in response to the customer security asset opened to the customer based on the loan management account opening application information and the customer collateral asset information including the customer information. The information generating unit 120 and the tablet for storing the generated at least one ledger information in the ledger D / B The beam storage unit 125 is provided.

The interface unit 105 may be loaned in correspondence with at least one or more window terminals provided at at least one branch operated by the financial institution through a predetermined financial network (for example, a branch network) and a customer's security asset according to the present invention. It is characterized by connecting a predetermined communication channel for opening a loan management account, the amount of which is determined, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 105 with at least one window terminal is a communication channel connected between the financial system 135 provided at the financial institution and at least one window terminal through a dedicated communication network. According to one embodiment of the invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more full text corresponding to at least one or more financial services defined between the teller terminal and the information registration server 100, The transaction protocol (and / or the specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics of the financial system 135, and the specific financial system 135 Corresponding to the transaction protocol (and / or transaction protocol) adopted by The present invention is not limited by the specialized structure.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The interface providing unit 110, when a window terminal that performs a role of a predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the function provided in the connected window terminal In response to the configuration, the information registration server 100 is input through a predetermined network means by inputting (or selecting) loan management account opening application information and customer security asset information, in which loan amount is determined corresponding to the customer security asset according to the present invention. Generate a predetermined information input (or selection) interface that can be transmitted to the data, and / or extract it from a predetermined database (not shown), and input the generated (or extracted) information in conjunction with the interface unit 105. (Or optional) an interface is provided to the teller terminal via the network means.

According to the method of the present invention, the teller terminal inputs the loan management account opening application information and the collateral asset information in which the loanable amount is determined in response to the customer collateral asset based on the information input (or selection) interface. Selects and transmits the input (or selected) loan management account opening application information and collateral asset information to the information registration server 100 through the network means.

For example, when the window terminal serving as the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 110 may display the window terminal and / or Generate (or extract) predetermined information input (or selection) interface that can be provided by a financial transaction-related program included in a financial automation device (not shown), and the generated (or extracted) information through the interface unit 105. It is desirable to provide an input (or selection) interface to the teller terminal and / or the automated teller machine (not shown).

The information receiving unit 115 receives the loan management account opening application information and the customer security asset information in which the loanable amount is determined in response to the customer security asset according to the present invention from the counter terminal in conjunction with the interface unit 105. It is characterized in that for transmitting to the information generating unit 120.

The information generating unit 120 refers to the loan management account opening application information and the customer collateral asset information including the customer information received through the information receiving unit 115, and the loanable amount corresponding to the customer collateral asset. Characterized in that the loan management account ledger information including the loan management account opening application information and the customer collateral asset information determined.

At this time, if the customer is the first account opening customer in a financial institution equipped with the financial system 135, the information generation unit 120 before creating the loan management account ledger information, the customer ledger of the customer It is desirable to produce.

Here, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date , State headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, legal representative, initial transaction date, TRW, DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The loan management account ledger whose loanable amount is determined in response to the customer security asset according to the present invention is preferably stored in the ledger D / B in association with the customer ledger.

According to another embodiment of the present invention, if the customer is not the first account opening customer at a financial institution equipped with the financial system 135 (for example, the customer opens another account other than the loan management account according to the present invention). In the case of one customer), the information generation unit 120 checks the pre-generated and stored customer ledger information corresponding to the customer information received through the information receiving unit 115, and the customer without a separate customer ledger information generation process Loan management account ledger information to be stored in association with the ledger is generated.

According to the present invention, the customer collateral asset information may include at least one or more customer-owned goods and assets that will constitute the opened loan management account. For example, the security asset may include a certificate of deposit (CD). It is possible to include the assets of monetary management assets, such as deposits, and other accounts, such as Cash Management Account (CMA), Working Capital Management Account (WCMA), and Trust Management Account (TMA). The collateral asset information may further include investment assets such as securities indicating a right of ownership having property value.

The information storage unit 125 may store / register the loan management account ledger information of the customer generated through the information generation unit 120 in the ledger D / B.

In addition, when the loan management account of the customer is opened, the information storage unit 125 stores the opened loan management account information and the customer security asset information in a predetermined storage medium in association with the customer information. It is done.

According to one embodiment of the invention, the information registration server 100, when the loan management account is determined that the loanable amount is determined corresponding to the customer mortgage asset is opened, the customer is divided the range of assets to provide as collateral It may be configured to further include a contract conclusion unit 130 for performing a predetermined contract processing for the collateral provision.

2 is a diagram illustrating a loan management account opening information and related information registration process for determining a loanable amount corresponding to a customer security asset according to an exemplary embodiment of the present invention.

More specifically, FIG. 2 shows that the information registration server 100 on the information registration system shown in FIG. 1 can be loaned in response to a predetermined information registration terminal operated by a branch employee of a financial institution and a customer's security asset according to the present invention. After connecting the loan management account opening application information and the customer's collateral asset information providing communication information for determining the amount, the loan management account opening application information from the information registration terminal to the information registration server 100 through the communication channel And when the customer collateral asset information is transmitted, the loan amount corresponding to the customer collateral asset according to the present invention to the customer based on the received loan management account opening application information and the customer collateral asset information in the information registration server 100. The loan management account is determined, and the opened loan management account information and the customer security asset information are determined by the customer information. The present invention relates to an implementation method of registering and storing in a predetermined storage medium (or ledger DB) in connection with a beam. If a person of ordinary skill in the art belongs to the present invention, the present invention will be described with reference to FIG. The information registration server 100 receives the loan management account establishment application information and the customer collateral asset information from the information registration terminal, and opens a loan management account to the customer based on the loan management account information and the customer collateral. Various implementation methods of registering and storing asset information in a predetermined storage medium (or ledger DB) in association with the customer information may be inferred, but the present invention includes all the implementation methods inferred above, It is not limited to the implementation method shown.

Referring to FIG. 2, when the information registration terminal shown in FIG. 1 is a predetermined network means (eg, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, CDMA-based mobile communication network, and / or IEEE 802.16x-based portable Internet, etc.) to access the information registration server 100 to apply for a loan management account opening application for determining the loanable amount corresponding to the customer security assets according to the present invention When a predetermined communication channel is connected and the loan management account opening request is requested (200), the information registration server 100 generates a predetermined information input (or selection) interface for the loan management account opening application ( Or 205), and transmits the generated (or extracted) interface (or a web page including the interface) to the information registration terminal through the communication channel. W and outputs (210).

According to an embodiment of the present invention, the information input (or selection) interface preferably comprises an interface for inputting (or selecting) the loan management account opening application information and customer collateral asset information in the information registration terminal. Do.

In addition, the information input (or selection) interface (or a predetermined web page including the information input (or selection) interface) transmission and / or output process is performed at least once according to the loan management account opening application procedure according to the present invention It is preferable that the present invention is not limited thereto.

According to an embodiment of the present invention, the loan management account opening application information and the customer security asset information are inputted through an information input (or selection) interface for inputting (or selecting) the loan management account opening application information and the customer collateral asset information. Or selection), the information input (or selection) interface is the loan management account opening application information and loan management account opening application date information and loan management account opening application history information and loan management account opening application terms and conditions agreement information and customer collateral It may be configured to include an interface for inputting (or selecting) asset information and the like.

Thereafter, the information registration terminal through the information input (or selection) interface through the loan management account opening application information and loan management account opening application date information and loan management account opening application history information and loan management account opening application terms agreement information and In operation 215, the loan management account opening application information and the customer security asset information including at least one customer collateral asset information may be input (or selected).

If, through the information input (or selection) interface in the information registration terminal, the loan management account opening application information and loan management account opening application date information and loan management account opening application history information and loan management account opening application terms agreement information and If the loan management account opening application information and the customer security asset information including at least one customer collateral asset information is input (or selected) (220), the information registration terminal is the loan management account opening application information and the The customer collateral asset information is transmitted to the information registration server 100 (225).

Thereafter, the information registration server 100 receives the loan management account opening application information and the customer collateral asset information through the communication channel, and reads the received information (230), so that the customer can open the loan management account. If it is possible to open the loan management account of the customer (235), the information registration server 100 to open the loan management account to the customer (240), and the opened loan management account information The customer collateral asset information is stored and registered in the storage medium (or ledger DB) in association with the customer information (245).

3 is a view showing a loan management account opening and information registration system according to another embodiment of the present invention.

In more detail, Figure 3 relates to an information registration system for opening a loan management account in which a loan amount is determined in correspondence with a customer's collateral assets to customers who visit each branch (or head office) of a financial institution and registering the collateral asset information. As a person of ordinary skill in the art to which the present invention pertains, a loan management account for which a loanable amount is determined in response to a customer security asset by referring to and / or modifying the drawing 3 is established. Various system configurations for processing information registration may be inferred, but the present invention includes all the inferred implementation methods and is not limited by the implementation method shown in FIG.

Referring to FIG. 3, the financial system 135 shown in the loan management account opening and information registration system opens at least one financial account to at least one or more customers, and processes a financial transaction based on the financial account. A computer system provided to a predetermined financial institution, which handles accounting operations such as credits or receptions or trusts or foreign exchanges occurring in at least one branch, processing headquarters, branch office information support, and customer information management. And a variety of electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / ATM (Automatic Teller Machine), by connecting to the information system and the external computer network including the financial system and homes, businesses, stores and card companies. An external system that provides a foreign exchange, a call center, a financial settlement, etc., and an interface between components in the financial system. Interface module corresponding to the middleware platform for providing a predetermined information, and predetermined information (eg, ledger information, and / or customer information, and / or management information required for each function in the components in the financial system) And a database management system (DBMS) including at least one database for storing and managing the same, and the intention of the person skilled in the art and / or the type of each financial institution (eg, commercial banks, savings banks, trust banks) and the like. According to the purpose and characteristics of the financial system, 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), thereby The present invention is not limited.

According to an embodiment of the present invention, a financial institution equipped with the financial system 135 may open and / or open a loan management account in which a loanable amount is determined in response to the customer security asset, such as a commercial bank, a savings bank, or a securities company. It is desirable to include all financial institutions that can be operated, and not limited to specific financial institutions.

In addition, the DBMS provided in the financial system 135 includes a ledger including at least one of a customer ledger, a reception ledger, a loan ledger, a collateral ledger, and the like, and at least one information associated with the ledger is stored in a relational manner. In the following, the ledger and / or ledger related information stored in the DBMS is referred to as ledger information for convenience, and the storage means for storing the ledger information on the DBMS is called ledger D / B.

According to the implementation method of the present invention, the financial system 135 is the information related to the loan management account (eg, the customer security asset information and loan management) in which the loanable amount is determined corresponding to the customer security asset in accordance with the present invention. It is characterized in that it is connected to the information registration server 100 for performing the registration of customer information, etc. required for opening an account through a financial network or a predetermined communication network.

Here, the information registration server 100 is characterized in that the window terminal or CD / ATM (for example, interlocking with the unmanned terminal provided in the branch of the financial institution (and / or affiliated with the financial institution).

In addition, according to the implementation method of the present invention, the information registration server 100 is provided through the predetermined window terminal is provided with loan management account application information for determining the loanable amount corresponding to the customer security assets according to the present invention, In addition, at least one customer collateral asset information for constituting the loan management account is provided from the server in conjunction with a predetermined server.

Here, the server may be a predetermined wired terminal (eg, a personal computer, a laptop, etc. used by a customer), and / or a wireless terminal (eg, a CDMA (Code Division Multiple Access) -based cell phone used by a customer, an IEEE 802.16x-based mobile Internet). Terminal, etc.), through a predetermined network means, receives (or selects) at least one customer collateral asset information for constituting the loan management account through the customer wired terminal and / or wireless terminal, and receives the input (or Selected) at least one customer security asset information characterized in that it is provided to the information registration server (100).

Hereinafter, at least one or more means for processing opening of the loan management account and information registration in which the loanable amount is determined in response to the customer security asset according to the present invention in connection with the teller terminal on the financial system 135; Components corresponding to the functional configuration are referred to as "information registration server 100" for convenience.

The teller terminal is provided with a predetermined loan management account opening application information including customer information from the customer to open a loan management account in which a loanable amount is determined in response to a customer security asset according to the present invention, and the loan management It is characterized in that it comprises a function for transmitting the account opening application information to the information registration server 100 through the financial network.

According to an exemplary embodiment of the present invention, the customer has a predetermined loan management account opening application (for example, an application having a form corresponding to a customer information item and a loan management account opening application information item and a loan management account opening application information item, etc.) L) and a loan management account opening application for which the loanable amount is determined in correspondence with the customer's collateral asset to the teller, the loan management account for which the loanable amount is determined in response to the customer information and the customer's collateral asset. It is preferable to provide establishment application information to the counter terminal.

Here, when the customer outputs an information input interface screen including a customer information input item (for example, a customer information input item and a loan management account opening application information input item to a predetermined screen output device) associated with the teller terminal, The customer terminal and the loan management account opening application information through the key input device through a terminal provided to the window terminal for inputting predetermined information into an information input item corresponding to the information input interface through the key input device of the window terminal. It is possible to provide, by which the present invention is not limited.

Referring to FIG. 1, a loan management account and information registration process provided in the financial system 135 or linked with the financial system 135 to determine a loanable amount corresponding to a customer security asset of the customer. The information registration server 100 for performing the connection and management of the communication channel for receiving the loan management account application information and opening the loan management account and at least one or more window terminals (and / or customer terminals) through a predetermined financial network When the interface unit 105 and the window terminal serving as the information registration terminal are connected to the information registration server 100 through the interface unit 105, the interface unit 105 interworks with the interface unit 105. Input (or select) predetermined information for the terminal to input (or select) and send loan management account opening application information including the loan management account opening application customer information. Taek) the interface providing unit 110 for generating (or extracting) the interface to provide a window terminal serving as the information registration terminal, and a predetermined loan management account from the window terminal in conjunction with the interface unit 105 An information receiving unit 115 for receiving loan management account opening application information including opening application customer information and receiving collateral asset information of the customer from the server, loan management account opening application information including the received customer information, and An information generator 120 for generating at least one ledger information corresponding to a loan management account for which a loanable amount is determined in response to a customer collateral asset opened to the customer based on the customer collateral asset information; And an information storage unit 125 for storing one or more ledger information in the ledger D / B.

The interface unit 105 may be loaned in correspondence with at least one or more window terminals provided at at least one or more branches operated by the financial institution through a predetermined financial network (for example, a branch network) and a customer's security asset according to the present invention. It is characterized by connecting a predetermined communication channel for opening a loan management account, the amount of which is determined, and maintaining and managing the communication channel.

The communication channel connected and managed by the interface unit 105 with at least one window terminal is a communication channel connected between the financial system 135 provided at the financial institution and at least one window terminal through a dedicated communication network. According to one embodiment of the invention, it is preferable to include a transaction protocol for transmitting and receiving at least one or more full text corresponding to at least one or more financial services defined between the teller terminal and the information registration server 100, A transaction protocol (and / or a specialized structure corresponding to the transaction protocol) may be defined and used in various ways according to the financial business type of each financial institution and the platform characteristics constituting the financial system 135, and the specific financial system 135 Corresponds to the transaction protocol (and / or transaction protocol) adopted by Door structure) to which the present invention is not limited by the.

According to another embodiment of the present invention, a transaction protocol (and / or a specialized structure corresponding to a transaction protocol) corresponding to the communication channel may provide an encryption specialized transmission / reception function to provide a higher level of security. Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the transaction protocol corresponding to the communication channel may be defined and used as a traffic data method consisting of binary data in addition to the full text, and the present invention is not limited thereto.

The interface providing unit 110, when a window terminal that performs a role of a predetermined information registration terminal is connected to the information registration server 100 through the interface unit 105, the function provided in the connected window terminal In response to the configuration, the loan management account opening application information for which the loanable amount is determined in response to the customer security asset according to the present invention may be input (or selected) and transmitted to the information registration server 100 through a predetermined network means. Create a predetermined information input (or selection) interface, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 105, the generated (or extracted) information input (or selection) interface It is characterized in that to provide to the teller terminal via the network means.

According to an embodiment of the present invention, the teller terminal inputs (or selects) loan application for opening a loan application information, in which a loanable amount is determined in correspondence with the customer security asset, based on the information input (or selection) interface. The input (or selection) of the loan management account opening application information is transmitted to the information registration server 100 through the network means.

For example, when the window terminal serving as the information registration terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface providing unit 110 may display the window terminal and / or Generate (or extract) predetermined information input (or selection) interface that can be provided by a financial transaction-related program included in a financial automation device (not shown), and the generated (or extracted) information through the interface unit 105. It is desirable to provide an input (or selection) interface to the teller terminal and / or the automated teller machine (not shown).

The information receiving unit 115 receives the loan management account opening application information for determining the loanable amount corresponding to the customer security asset according to the present invention from the counter terminal in conjunction with the interface unit 105, the information generating unit Characterized in that the transfer to 120.

In addition, the information receiving unit 115 is characterized in that for receiving at least one or more information on the collateral assets of the customer to configure the open loan management account from the server, and transmits the information to the information generating unit 120.

The information generating unit 120 refers to the loan management account opening application information and the customer collateral asset information including the customer information received through the information receiving unit 115, and the loanable amount corresponding to the customer collateral asset. Characterized in that the loan management account ledger information including the loan management account opening application information and the customer collateral asset information determined.

At this time, if the customer is the first account opening customer in a financial institution equipped with the financial system 135, the information generation unit 120 before creating the loan management account ledger information, the customer ledger of the customer It is desirable to produce.

Here, the customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, area identification code, telephone number, business number, trade name, classification code, expiration date , State headquarters information, settlement date, cash available date, surname, name, social security number, company address, company phone number, mailing address, account number, president, type of business, 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. It is preferable that the loan management account ledger whose loanable amount is determined in response to the customer security asset according to the present invention is stored in the ledger D / B in association with the customer ledger.

According to another embodiment of the present invention, if the customer is not the first account opening customer in a financial institution equipped with the financial system 135 (for example, the customer opens another account other than the loan management account according to the present invention). In the case of one customer), the information generation unit 120 checks the pre-generated and stored customer ledger information corresponding to the customer information received through the information receiving unit 115, and the customer without a separate customer ledger information generation process Loan management account ledger information to be stored in association with the ledger is generated.

According to the present invention, the customer collateral asset information may include at least one or more customer-owned goods and assets that will constitute the opened loan management account. For example, the security asset may include a certificate of deposit (CD). It is possible to include the assets of monetary management assets, such as deposits, and other accounts, such as Cash Management Account (CMA), Working Capital Management Account (WCMA), and Trust Management Account (TMA). The collateral asset information may further include investment assets such as securities indicating a right of ownership having property value.

The information storage unit 125 may store / register the loan management account ledger information of the customer generated through the information generation unit 120 in the ledger D / B.

In addition, when the loan management account of the customer is opened, the information storage unit 125 stores the opened loan management account information and the customer security asset information in a predetermined storage medium in association with the customer information. It is done.

According to one embodiment of the invention, the information registration server 100, when the loan management account is determined that the loanable amount is determined corresponding to the customer mortgage asset is opened, the customer is divided the range of assets to provide as collateral It may be configured to further include a contract conclusion unit 130 for performing a predetermined contract processing for the collateral provision.

Referring to FIG. 3, a predetermined server 300 provided in the financial system 135 and interworking with an information registration server 100 for opening a customer's loan management account and performing information registration processing is provided with predetermined network means. An interface unit 305 for connecting and managing a communication channel for receiving at least one collateral asset information for constituting the opened customer loan management account from the customer terminal through at least one customer wired or wireless terminal; When connecting to the server 300 through the interface unit 305, at least one customer collateral asset information for configuring the opened loan management account in the customer terminal in conjunction with the interface unit 305 input Generate (or extract) a predetermined information input (or selection) interface to transmit (or select) to transmit the customer wired or wireless terminal Including the interface providing unit 310, the customer the collateral information registration server 100, information transmitting unit 310 for transmitting to the service is characterized in that configuration.

According to the method of the present invention, the customer collateral asset information may include at least one or more customer-owned products and assets that will constitute the loan management account to be opened, for example, the security asset (CD) It is also possible to include monetary management assets such as Certificate of Deposit and assets of other accounts such as Cash Management Account (CMA), Working Capital Management Account (WCMA), and Trust Management Account (TMA).

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

The interface unit 305 of the server 300 may include a customer terminal that opens (or opens an application for) a loan management account through a predetermined network means, and at least one customer collateral asset information for configuring a loan management account according to the present invention. It connects a predetermined communication channel for registration, and maintains and manages the communication channel.

The communication channel connected and managed by the interface unit 305 with at least one customer terminal is a communication channel connected between the server and the at least one customer terminal through a predetermined communication network.

When the customer terminal connects to the server via the interface unit 305, the server interface providing unit 310 establishes the opening (or according to the present invention) in response to the functional configuration provided in the connected customer terminal. Create a predetermined information input (or selection) interface for inputting (or selecting) at least one customer collateral asset information which will constitute an applied loan management account and transmitting it to the server, and / or a predetermined database ( It extracts from the illustration, and is provided to the customer terminal through the information input (or selection) interface generated (or extracted) in conjunction with the interface unit 305.

According to an embodiment of the present invention, the customer terminal inputs (or selects) at least one customer collateral asset information for constituting the opened loan management account based on the information input (or selection) interface, and the input ( Or optionally) transmit the at least one customer security asset information to the server through the network means.

For example, when the customer terminal includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 310 may input predetermined information that may be provided to a browser program and / or a communication program included in the customer terminal. Optional) It is preferable to generate (or extract) the interface, and provide the generated (or extracted) information input (or selection) interface to the customer terminal through the interface unit 305.

In addition, when the customer terminal includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 inputs predetermined information that can be provided to the browser program and / or communication program provided in the customer terminal ( Or selection) to generate (or extract) the interface and provide the generated (or extracted) information input (or selection) interface to the customer terminal through the interface unit 305.

In addition, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface provider 310 inputs (or selects) predetermined information that can be provided to the call terminal (not shown). ) Create (or extract) an interface and convert the generated (or extracted) information input (or select) interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. It is desirable to provide.

In addition, when the customer terminal is a wired terminal (or interactive digital TV) connected to the TV banking system, the interface providing unit 310 inputs (or selects) predetermined information that can be provided to the wired terminal (or interactive digital TV). It is preferable to generate (or extract) an interface and provide the generated (or extracted) information input (or selection) interface to the wired terminal (or interactive digital TV) through the interface unit 305.

The information transmitting unit 310 of the server 300 receives the customer collateral asset information input (or selected) through the information input (or selection) interface, and transmits the received customer collateral asset information to the information registration server. Characterized in that the transmission to (100).

4 is a diagram illustrating a loan management account opening information and related information registration process for determining a loanable amount corresponding to a customer security asset according to another embodiment of the present invention.

In more detail, FIG. 4 shows that the information registration server 100 on the information registration system shown in FIG. 3 can be loaned in response to a predetermined information registration terminal operated by a branch employee of a financial institution and the customer's security asset according to the present invention. After connecting the communication channel for providing loan management account opening request information is determined, the information registration terminal transmits the loan management account opening request information to the information registration server 100 through the communication channel, After opening the loan management account in which the loanable amount is determined in response to the customer security asset according to the present invention to the customer based on the received loan management account opening application information in the information registration server 100, Receive at least one customer collateral asset information to constitute the opened customer loan management account, the opened loan management system The present invention relates to a method of registering and storing information and customer collateral asset information in a predetermined storage medium (or ledger DB) in association with the customer information. 4 and / or modified to receive the loan management account opening application information from the information registration terminal at the information registration server 100 and open a loan management account to the customer on the basis of this, and the opened loan management account. Various implementation methods of registering and storing information and customer collateral asset information in a predetermined storage medium (or ledger DB) in association with the customer information may be inferred, but the present invention includes all the inferred implementation methods, It is not limited to the implementation method shown in FIG.

Referring to FIG. 4, when the information registration terminal shown in FIG. 3 is a predetermined network means (eg, when the information registration terminal is a wired terminal, a TCP / IP based wired communication network, and the information registration terminal is a wireless terminal, CDMA-based mobile communication network, and / or IEEE 802.16x-based portable Internet, etc.) to access the information registration server 100 to apply for a loan management account opening application for determining the loanable amount corresponding to the customer security assets according to the present invention When a predetermined communication channel is connected and the loan management account opening request is requested (400), the information registration server 100 generates a predetermined information input (or selection) interface for the loan management account opening application ( Or 405), and transmits the generated (or extracted) interface (or a web page including the interface) to the information registration terminal through the communication channel. Output (410).

According to an embodiment of the present invention, the information input (or selection) interface preferably comprises an interface for inputting (or selecting) the loan management account opening application information in the information registration terminal.

In addition, the information input (or selection) interface (or a predetermined web page including the information input (or selection) interface) transmission and / or output process is performed at least once according to the loan management account opening application procedure according to the present invention It is preferable that the present invention is not limited thereto.

In the case of inputting (or selecting) the loan management account opening application information through an information input (or selection) interface for inputting (or selecting) the loan management account opening application information according to an embodiment of the present invention, the information input ( Or an optional) interface includes an interface for inputting (or selecting) the loan management account opening application information, the loan management account opening application date information, the loan management account opening application history information, and the loan management account opening application terms and conditions agreement information, and the like. Can be configured.

Then, the information registration terminal through the information input (or selection) interface through the loan management account opening application information and loan management account opening application date information, loan management account opening application history information and loan management account opening application terms agreement information Input (or select) the loan management account opening application information including at least one (415).

* If, through the information input (or selection) interface in the information registration terminal, the loan management account opening application information and loan management account opening application date information and loan management account opening application history information and loan management account opening application terms agreement information When the loan management account opening application information including at least one is input (or selected) (420), the information registration terminal transmits the loan management account opening application information to the information registration server 100 through the communication channel. (425).

Thereafter, the information registration server 100 receives the loan management account opening application information through the communication channel, reads the received information (430), and determines whether the customer can open a loan management account, If it is possible to open a loan management account of the customer (435), the information registration server 100 to open a loan management account to the customer (440).

Thereafter, when at least one collateral asset information for constituting the opened loan management account is received from the client terminal that has opened the loan management account in the predetermined server shown in FIG. 3 (445), the server receives the information. The registration server 100 transmits the received customer collateral asset information (450).

Then, the information registration server 100 stores and registers the opened loan management account information and the customer security asset information in the storage medium (or ledger DB) in association with the customer information (455).

5 is a diagram illustrating an information operation system configuration for managing and operating a customer's loan management account according to an embodiment of the present invention.

In more detail, Figure 5 is a loan management account after the loan management account is determined in accordance with the present invention through the information registration system shown in Figure 1 or 3, the loanable amount is determined in response to the customer security assets according to the present invention, Periodically check the change history of at least one customer collateral asset constituting the account, and according to the change history of the customer collateral asset confirmed by the customer, the loan amount and the amount that can be borrowed through the loan management account An information operation system configuration for generating (or updating) predetermined loan condition information and transmitting the same to the customer terminal (or customer communication means), and a person having ordinary knowledge in the technical field to which the present invention belongs. The borrowable amount of the customer and the amount according to the change history of the customer's collateral asset by referring to and / or modifying the figure 5 Various implementation methods for the configuration of the information operation system for generating (or updating) loan condition information for the customer terminal (or customer communication means) may be inferred, but the present invention includes all the implementation methods inferred. The present invention is not limited to the implementation method shown in FIG.

In the following, the information management system shown in FIG. 5 periodically checks the change history of at least one customer collateral asset constituting the loan management account, and the customer according to the change history of the customer collateral asset checked. At least one means and / or functional configuration for generating (or updating) a loanable amount of loans available through the loan management account and predetermined loan condition information thereof and transmitting the same to the customer terminal (or customer communication means). The component corresponding to the "information operation server 500" is called for convenience.

According to the present invention, the loan management account is characterized in that the processing of a plurality of loans into a single account.

Referring to FIG. 5 according to an embodiment of the present invention, the customer's terminal (or customer communication means) is generated (or updated) for the loanable amount of the customer and loan condition information for the customer according to the change history of the customer's security asset. Information management system for transmitting a) characterized in that it comprises a customer terminal and a financial system 135 including at least one or more wired terminal and / or wireless terminal used by the customer, the customer terminal is a predetermined network The communication channel is connected to the information operation server 500 provided on the information management system through the means.

According to one embodiment of the present invention, the customer and the information operation server 500 to check or receive information on the loanable amount and loan conditions are created (or updated) in accordance with the change history of the customer's collateral assets; A terminal provided in a specific institution connected to a communication channel by a predetermined network means (for example, when the information operation server 500 for providing a loan account operation service according to the present invention is a financial institution server, it may include a counter terminal). And / or request information on the loanable amount and loan condition for the generated (or renewed) information on the wired terminal and / or wireless terminal used by the customer as the customer terminal, or periodically (for example, when the security asset changes). Etc.) It is preferable to be provided with the loanable amount and loan condition information for the loanable amount generated (or updated) from the information operation server 500. The.

For example, when the customer terminal is a terminal provided in a financial institution visited by the customer (including a window terminal), the network means for connecting the customer terminal and the information management server 500 may include the customer terminal and the information management server ( 500) may include a financial network (eg, our network) or a dedicated communication network connecting the communication channels.

For example, when the information management system is provided at a predetermined financial institution and / or interoperates with a financial institution, the financial network connecting the customer terminal and the information management server 500 may generate (or update) the customer. This will serve as an information provision interface for providing loanable amount and loan condition information for the loanable amount.

According to another exemplary embodiment of the present invention, the customer accesses the information operation server 500 through at least one customer terminal of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network. If the information is requested (or selected) for the loanable amount generated and / or loan condition information for the loanable amount generated or updated through at least one information providing interface provided by the information management server 500, the customer terminal The generated (or updated) loanable amount requested by the customer from the information management server 500 and transmitted to the information management server 500 provided on the information management system through a predetermined network means It is desirable to be provided with loan terms and conditions.

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

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

In addition, the information management server 500 connected to the customer terminal is 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 customer terminal and network means. And / or comprises a separate web server associated with the internet banking server and / or the wireless banking server and / or the telebanking server and / or the TV banking server, and / or for providing payment schedule information of the customer. It is preferable.

In addition, the network means for connecting the customer terminal and the information management server 500 is a CDMA-based mobile communication network and / or IEEE 802.16x-based portable Internet and / or DataTAC / according to the type of wireless network connected to the customer terminal The Mobitex-based wireless data communication network may be any one, and / or may include all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the customer terminal outputs at least one or more information providing interface provided by the information management server 500, and generates (or updates) in response to at least one or more information (for example, change in the collateral asset) through the information providing interface. ) And / or select the loanable amount of money and predetermined request information for requesting loan condition information thereof to be transmitted to the information management server 500 or generated (or generated) from the information management server 500. A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the information operation server 500, etc.) for receiving the renewed loanable amount and loan condition information thereof is provided. It is desirable to have.

Those skilled in the art to which the present invention pertains will be able to easily infer the characteristics of the customer terminal corresponding to at least one or more wired terminal and / or wireless terminal, detailed description thereof will be omitted for convenience. .

In the information management system as described above, at least one wired network and / or wireless network connecting the customer terminal and at least one wired terminal and / or wireless terminal used by the customer and the information management server 500. Performs a function of an information providing interface for providing the generated (or updated) loanable amount and loan condition information thereof.

According to another exemplary embodiment of the present invention, the customer terminal includes the teller terminal and / or the wired / wireless terminal and is connected to a predetermined financial network (eg, a financial common network). ), Or further including a financial automated device (not shown) including a cash dispenser (CD), and / or a public switched telephone network (PSTN), voice over IP (VoIP) It further comprises a predetermined call terminal (not shown) connected to a wired telephone network such as a network, and / or further comprises 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.

In the information management system as described above, when the customer terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the information management server 500 The connecting financial network performs a function of an information providing interface for providing the generated (or updated) loanable amount and loan condition information therefor, and / or the customer terminal is the call terminal (not shown). In this case, 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 management server 500 may generate the loanable amount and loan thereof. Perform a function of an information providing interface for providing condition information, and / or a terminal (and / or server) provided in an institution in which the customer terminal is affiliated with the financial institution (not shown) ), The network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information management server 500 is the created (or updated) loan Performs the function of the information providing interface for providing the possible amount and loan condition information for it.

The storage medium provided on the information management system according to the present invention includes loan information including the generated (or updated) loanable amount provided to the customer terminal and loan condition information thereof, and the customer information and the customer collateral asset. Characterized in that the information and customer loan management account information is stored in association.

According to one embodiment of the invention, a storage medium is provided in the information management server 500 on the information management system, and / or a financial system provided on (or associated with) the information management system. A predetermined server (e.g., provided in a DBMS on 135) and / or associated with the information management system (or financial system 135) (or a system (e.g., the above described information registration system, etc.)). , Information registration server 100, etc., described above).

Here, when the storage medium is provided in the DBMS on the financial system 135, the storage information stored in the storage medium (e.g., the loanable amount generated (or updated) in response to the change in the customer's collateral asset and the loan thereof) Condition information, etc.) may be a predetermined database included in the ledger D / B and / or associated with the ledger D / B, and the present invention is not limited thereto.

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

According to the present invention, the information management server 500 provided on the information management system shown in FIG. 5 is a generic term for the information management system-side components that are connected to the customer terminal through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the customer terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the information operation server 500 may open the window through a predetermined financial network. A ledger server provided on a financial system 135 connected to a terminal and / or an automated teller machine (not shown), and / or a server (or device) provided (or associated with) an external system on the financial system 135. Or / or a program provided in the external system on the financial system 135, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the information operation server 500 may be configured on the internet banking system. Any server (or device) provided with a predetermined Internet banking server, and / or a program provided with the Internet banking server, and / or accessible to the external system of the financial system 135 through the Internet banking system. A server provided in the external system on the financial system 135 that is accessible through the Internet banking server (and / or the server (or device)), or is a program included in the server (or device). (Or a device), and / or a program provided in the external world on the financial system 135, whereby the present invention is not limited thereto. The.

According to another exemplary embodiment of the present invention, when the customer terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the information operation server 500 is on the wireless banking system. Any server (or device) provided with a predetermined wireless banking server, and / or a program provided with the wireless banking server, and / or accessible to the external system of the financial system 135 through the wireless banking system. Or a server provided in the external system on the financial system 135 accessible through the wireless banking server (and / or the server (or device)) or a program provided in the server (or device) ( Or a device), and / or a program provided in the external system on the financial system 135, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the information operation server 500 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), and / or a program included in the telebanking server, and / or an external system of the financial system 135 through the telebanking system. The financial system accessible to a predetermined server (or device), a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)). 135 may be a 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 135, and the present invention is not limited thereto. You are good.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the information management server 500 is connected to the TV banking system. A predetermined server (or device) provided at a TV banking server and / or a program provided at the TV banking server, and / or accessible to the external system of the financial system 135 through the TV banking system. A server provided in the external system on the financial system 135, or a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). (Or a device), and / or a program included in the external system on the financial system 135, and the present invention is not limited thereto.

Referring to FIG. 5, the information management server 500 may be connected to the financial system 135 through a predetermined interface means or may be provided in the financial system 135.

Generally, a financial institution is provided with a predetermined financial system 135 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 135 provided in the financial institution is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). And, through the window terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at the branch (and / or branch) of the financial system 135, and / or affiliated with the financial institution At least one financial terminal provided at at least one other financial institution (and / or other financial institution branch), and / or at least one financial terminal provided at a public place and a predetermined financial network (eg, CD common network). And a non-face-to-face financial transaction service for at least one financial transaction customer through the financial terminal.

In addition, the financial system 135 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 or more client terminals (e.g., 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 LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 135 is characterized in that 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.

In addition, the financial system 135 is characterized in that it is associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based on the IC chip-based wireless banking server) At least one or more through at least one wireless terminal (e.g., a wireless terminal having 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 financial transaction customers.

In addition, the financial system 135 is characterized in that it is associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a 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 135 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 135 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. 5, the financial system 135 is provided with 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 accounting system for processing a window service such as credit or reception or trust or foreign exchange occurring in at least one branch (or window), an information system for processing a headquarters business, support for branch information, and customer information management And interconnection between the financial system 135 and at least one other financial system 135 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., provided in at least one external communication network) Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc. 35) and / or an external system providing various financial transaction interfaces through at least one or more common networks (e.g., CD common network, financial common network). ) Is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 135, and predetermined information required for performing each function in the components in the financial system 135. 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 135 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 135 and the purpose of the financial system 135. 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 matters of the financial system 135, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system 135, 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 135. 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 an embodiment of the present invention, the information operation server 500 is characterized in that it comprises an interface unit 505 for connecting and managing a predetermined communication channel with the customer terminal through the network means.

According to an exemplary embodiment of the present invention, when the customer terminal is a window terminal and / or a financial automation device (not shown) connected to a predetermined financial network, the interface unit 505 may implement a protocol stack defined in the financial network. Connecting a communication channel with a teller terminal and / or a financial automation device (not shown) based on a communication protocol defined in a financial transaction-related program included in the teller terminal and / or the financial automation device (not shown). It is desirable to provide a communication interface for providing at least one or more information (or data) (eg, loanable amount generated and / or updated in response to the change in the customer's security asset and loan condition information thereof).

According to another exemplary embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit 505 may include the wired network and / or Or connecting a predetermined communication channel with the customer terminal based on a protocol stack defined in a wireless network, and using at least one information (or data) (eg, using a communication protocol defined in a communication program provided in the customer terminal). It is desirable to provide a communication interface for providing a loanable amount generated (or updated) corresponding to the change in the customer security asset and loan condition information thereof).

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

Alternatively, when the customer terminal is provided with a communication program (eg, an internet banking program) provided by the information management server 500, the interface unit 505 communicates with the customer terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless network, the interface unit 505 may be connected to the customer terminal based on a protocol stack defined in the wireless network. It is desirable to provide a communication interface for connecting at least one communication channel and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the customer terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the customer terminal, the interface unit 505 communicates with the customer terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the customer terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information management server 500, the interface unit 505 may be connected to the customer terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 505 is defined in the wired telephone network and / or wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 505 may provide 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 providing a communication interface for transmitting and receiving information based on voice recognition. Can provide.

According to another exemplary embodiment of the present invention, when the customer terminal is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface unit 505 is based on a protocol stack defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or interactive digital TV), and transmit or receive at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or interactive digital TV). It is desirable to provide a communication interface for the purpose.

Referring to FIG. 5, the information management server 500 may include a total loanable amount (or total credit size, etc.) of the loan management account based on at least one customer security asset constituting the customer's loan management account and the like. The information generation unit 535 for generating loan condition information corresponding thereto, the information checking unit 525 for periodically checking the change in the collateral assets of the customer, and the change history of the customer collateral asset are confirmed. An information update unit 530 for updating the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the generated loan management account based on the asset change history; and the total of the updated loan management account. And an information transmitter 515 for transmitting the loanable amount (or total credit size, etc.) and corresponding loan condition information to the customer terminal (or customer communication means). It features.

In addition, the information management server 500 shown in FIG. 5 is connected to the interface unit 505 when a predetermined customer terminal is connected to the information management server 500 through the interface unit 505. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateralized asset at the client terminal. To provide the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset to the customer terminal. It may be configured to further include an interface providing unit 510 to generate (or extract) the information providing interface of the provided to the customer terminal.

When the customer terminal is connected to the information management server 500 through the interface unit 505, the interface provider 510 responds to the change in the collateral asset in response to the functional configuration of the information management terminal. The information management is performed through the network means by inputting (or selecting) predetermined request information for requesting the total loanable amount (or total credit size, etc.) of the loan management account to be created (or updated) and corresponding loan condition information. Generate a predetermined information providing interface that can be transmitted to the server 500, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 505 generated (or extracted) information providing interface It characterized in that to provide to the customer terminal through the network means.

Thereafter, the client terminal requests the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset based on the information provision interface. Input (or select) predetermined request information, transmit the input (or selected) request information to the information registration server 100 through the network means, and request the information from the information operation server 500. Receive information on the total loanable amount (or the total credit size, etc.) and the corresponding loan condition of the loan management account created (or renewed) in response to the change in the customer's collateral asset.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 510 is provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface that can be provided to a browser program and / or a communication program, and to provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505. Do.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 510 is provided to a browser program and / or a communication program provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface possible, and provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 is provided to the call terminal (not shown). Generates (or extracts) a predetermined information providing interface, and converts the generated (or extracted) information providing interface (eg, ARS based user interface) to the customer terminal (call terminal) through the interface unit 505. It is desirable to provide.

In addition, the information management server 500 shown in FIG. 5 includes a total of the loan management accounts based on at least one customer security asset constituting the loan management account of the customer through the information generation unit 535. When the loanable amount (or total credit size, etc.) and the corresponding loan condition information are generated, the total loanable amount (or total credit size, etc.) and the corresponding loan condition information of the generated loan management account are displayed. It may be configured to further include an information storage unit 125 for storing in the storage medium in association with the information.

In addition, the information storage unit 125 is periodically checked for the change in the security assets of the customer through the information confirmation unit 525, the information update unit 530 based on the confirmed changes in the security assets. If the total loanable amount (or the total credit size, etc.) and the corresponding loan condition information of the loan management account created through is updated, the total loanable amount (or the total credit size, etc.) of the updated loan management account and The information storage unit 125 may be further configured to store corresponding loan condition information on the storage medium in association with the customer information.

In addition, the information management server 500 shown in Figure 5, through the information transmission unit 515, the total loanable amount (or total credit size, etc.) of the updated loan management account and the corresponding loan condition information When the customer requests a predetermined loan based on the total loanable amount (or total credit size, etc.) and the corresponding loan condition information transmitted to the customer terminal (or customer communication means), It may be configured to further include a loan processing unit 540 for processing the loan requested by the customer through the customer loan management account.

The information checking unit 525 periodically checks the customer's collateral asset changes, and transmits the confirmation details to the information updating unit 530, wherein the customer security confirmed by the information checking unit 525. Assets may include at least one customer-owned product and assets that will make up the loan management account being opened.

For example, the collateral assets include monetary management assets such as Certificate of Deposit (CD) and other cash management accounts (CMAs), working capital management accounts (WCMAs), and trust management accounts (TMAs). It is possible to include the assets of the account.

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

6 is a diagram illustrating a process of managing and operating a customer's loan management account according to an embodiment of the present invention.

In more detail, FIG. 6 is a loan management account opened after a loan management account is established in which a loanable amount is determined in response to a customer security asset according to the present invention through the information registration system shown in FIG. 1 or FIG. Periodically check the change history of at least one customer collateral asset constituting the account, and according to the change history of the customer collateral asset confirmed by the customer, the loan amount and the amount that can be borrowed through the loan management account As a method for generating (or updating) predetermined loan condition information and transmitting the same to the customer terminal (or customer communication means), a person having ordinary knowledge in the technical field to which the present invention pertains may refer to FIG. 6. And / or may be modified to allow the customer to borrow through the loan management account according to changes in the customer's collateral. Various implementation methods for generating (or updating) the loanable amount and predetermined loan condition information thereof and transmitting the same to the customer terminal (or the customer communication means) may be inferred, but the present invention may infer all the implementation methods. It includes, and is not limited to the embodiment shown in FIG.

Referring to FIG. 6, the illustrated loan management account operation process includes a total loanable amount based on at least one customer collateral asset constituting a customer loan management account in the information management server 500 illustrated in FIG. 5. The loan condition information may be started from the process of generating 600.

According to the present invention, the information management server 500 periodically checks at least one or more customer collateral assets constituting the loan management account, and checks whether there is a change in the customer collateral assets (605). If there is a change in customer collateral assets (610), the information management server 500 generates the total loanable amount and loan condition information using the loan management account on the basis of the changed collateral assets, the total generated The loan amount and loan condition information are updated (615).

Then, the information management server 500 transmits the total loanable amount and loan condition information using the loan management account updated in response to the customer collateral asset change to the customer terminal (or customer communication means) (620). .

Herein, the information management server 500 updates the total loanable amount and loan condition information from the customer who received the total loanable amount and loan condition information using the loan management account updated in response to the change in the customer security asset. Check if there is a loan request based on (625), and if there is a predetermined loan request from the customer (630), the information management server 500 based on the updated details the customer loan management account Through the requested loan from the customer (635), the loan processing history is transmitted to the customer communication means (640).

7 is a diagram illustrating a system configuration for providing a total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to an exemplary embodiment of the present invention. .

In more detail, FIG. 7 illustrates an Internet banking server based on a TCP / IP (Transmission Control Protocol / Internet Protocol) -based network (eg, the Internet) among financial transaction systems operated by a financial institution customer terminal. When the communication channel for internet banking is connected, the connected customer information is transmitted to a predetermined information management server 500, and the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information are provided. As an embodiment of the information management system, the information management system includes at least one financial institution client terminal having a web browser and at least one client terminal in the process of providing an Internet banking service, the connected customer. Deliver information to the information management server 500, received from the information management server 500 Internet banking server that receives the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information and provides the information to the customer terminal, and the customer loan corresponding to the access customer information received from the Internet banking server And an information management server 500 which extracts (or confirms) or generates total loanable amount and loan condition information using a management account from the storage medium and provides the information to the internet banking server.

According to an embodiment of the present invention, the Internet banking server corresponds to the financial system 135 for processing the financial business required to provide the Internet banking service through a predetermined interface means and the customer information connected to the customer terminal. It is linked to the information management server 500 that provides the total loan amount and loan condition information using the customer loan management account.

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

For example, FIG. 7 illustrates the use of Internet banking between the customer terminal and the Internet banking server based on a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the customer terminal. In the process of initiating or processing a predetermined financial transaction, the total loanable amount and loan condition information using the customer loan management account corresponding to the access customer information provided from the information management server 500 is connected to the Internet banking server. Although an implementation method of an information operation system for providing to a customer terminal is illustrated, those of ordinary skill in the art to which the present invention belongs, the Internet banking based financial transaction channel connection method using the browser program shown in FIG. Mounted on the customer terminal by reference and / or modification The customer corresponding to the customer information provided from the information management server 500 in the process of initiating or processing a predetermined financial transaction using the Internet banking between the customer terminal and the Internet banking server based on a predetermined Internet banking program It includes an information operation system for providing the total loanable amount and loan condition information using the loan management account to the customer terminal connected to the Internet banking server, by which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains may refer to and / or modify the information management system configuration shown in FIG. It will be possible to infer an information operation system using another banking service, such as telebanking and / or wireless banking and / or TV banking for, but in Figure 7 will be described for the information operation system using the Internet banking, It is noted that the technical configuration of the present invention is not limited to the case of the Internet banking shown in FIG.

The customer terminal is a desktop computer having at least one web browser for receiving a wired web service based on a browsing by accessing the Internet banking server based on the wired communication function based on TCP / IP and the wired communication function. And / or a wired terminal including at least one notebook, and communicating for internet banking with the internet banking server through a predetermined network means including the internet based on TCP / IP. It is characterized in that the channel is connected.

The financial system 135 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. The accounting system that handles window services such as credit or receiving or trust or foreign exchange incurred, the information system that processes headquarters operations, branch office information support and customer information management, and the financial system, households, businesses, stores and card companies. External system that provides a variety of electronic financial services (for example, Internet banking, phone banking, CD (Cash Dispenser) / ATM (Automatic Teller Machine), the other line, call center, financial settlement, etc.) by connecting to an external computer network, including Interface modules corresponding to middleware platforms that provide interfacing between components in financial systems. At least one database for 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. It includes a DBMS (Database Management System), and according to the intention of the skilled person and / or the type of each financial institution (for example, commercial banks, savings banks, trust banks) and the purpose and characteristics of the financial system, foreign exchange module ( It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since the technical details of the financial system 135 will be clearly understood, the detailed description thereof will be omitted for convenience, and as a result, Not determined

In addition, the Internet banking server is interlocked with the financial system 135 through the external system, for this purpose, the external system preferably comprises a component for interworking with the Internet banking server through a predetermined interface means. Do.

The Internet banking server 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, and / or the financial system 135 And a DBMS including a database for storing Internet banking information required for providing a predetermined Internet banking service in connection with the data server, or interworking with a data server provided with the DBMS according to an embodiment. Thereby, a predetermined internet banking service is provided to at least one of the customer terminals.

In particular, the Internet banking server transfers the connected customer information (eg, verified customer information) to the information operation server 500 when a predetermined customer terminal is connected, and the customer loan corresponding to the transferred customer information. The total loanable amount and loan condition information using a management account is provided from the information management server 500, the total loanable amount using the customer loan management account provided from the information management server 500. And loan condition information is provided to the customer terminal in the process of providing a predetermined internet banking service to the customer terminal.

To this end, the Internet banking information may be authenticated to the customer corresponding to the customer terminal when at least one or more customer terminals access and log in to the Internet banking server, and / or the customer at least one or more financing through the Internet banking server Customer authentication information for authenticating the financial transaction customer during a transaction, and / or for authenticating a customer subscribing to the financial product when the customer subscribes to at least one financial product through the Internet banking server, and through the customer terminal. In the case of a financial transaction request from a customer, the banking element information includes banking element information for processing a financial transaction corresponding to the financial transaction request in connection with the financial system 135, and at least one required for internet banking according to the intention of a person skilled in the art. Although the above information may be further included, in FIG. A omitted.

Referring to FIG. 7, the Internet banking server connects and manages a Hyper-Text Transfer Protocol (HTTP) -based communication channel for providing a predetermined Internet banking service (or an Internet banking additional service, etc.) to at least one or more customer terminals. The web interface unit 705 and the connected customer information (or customer authentication information) to the information management server 500 through the interface means, and responds to the customer information from the information management server 500. At least one or more of the information operating unit 735, which is provided with the total loanable amount and loan condition information using the customer loan management account, and the web interface unit 705, the DBMS and the information operating unit 735, Web page operation unit 715 for operating a web page to be provided to the customer terminal, and at least one or more customer terminals in conjunction with the web page operation unit 715 And a UI processing unit for generating a user interface (UI) screen for providing a internet banking service (and / or a predetermined additional service), and the customer terminal and the internet banking are configured by the function configuration. A communication channel and a user interface for processing Internet banking based on HTTP are implemented between servers.

In addition, the Internet banking server, in conjunction with the UI processing unit extracts predetermined content for providing the Internet banking service from the DBMS provided in the Internet banking server, or predetermined content to be stored in the DBMS from the customer terminal It may be configured to further include a content management unit 720 for receiving.

In addition, the Internet banking server provides a customer authentication interface screen to at least one customer terminal in conjunction with the web page operation unit 715 through a UI processing unit based on the customer authentication information of the Internet banking information, or the interface screen Based on the at least one customer authentication information may be configured to further include a customer authentication unit.

In addition, the Internet banking server provides a financial transaction-related interface screen to at least one customer terminal by interworking with the webpage operation unit 715 through a UI processing unit based on the banking element information of the Internet banking information, or the interface The banking processor 730 may be configured to further include at least one financial transaction related information based on the screen.

In addition, the Internet banking server is configured to further include a ledger processing unit (not shown) for performing a ledger processing procedure corresponding to the financial transaction requested from the customer in conjunction with the financial system 135 through a predetermined interface means The ledger processing unit may be connected to the external system of the financial system 135 through the interface unit.

The customer authentication information stored in the DBMS includes member information including at least one ID / PW information and personal information (eg, name, social security number, address, contact information, etc.) of a customer accessing the Internet banking server through the customer terminal. Preferably, the customer authentication unit requests the ID / PW information of the customer to the customer terminal in conjunction with the UI processing unit, receives the ID / PW information from the customer terminal, and receives the received The ID / PW information and ID / PW information included in the member information may be compared to authenticate a customer accessing the Internet banking server, and the authenticated customer information (or customer authentication information) may be transferred to the information operation unit 735. It is characterized by the transmission to). Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

Preferably, the ID / PW information may be provided to the Internet banking server according to a conventional ID / PW transmission and reception procedure, but in order to provide a more advanced security function, the ID / PW information may be a symmetric key (or Secret key) and / or a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. The unit may further include a functional configuration for decoding the ID / PW information.

In addition, the customer authentication information stored in the DBMS is the certification authority information (for example, KFTC) and certificate server information, and / or the certificate registration authority information (issuing a predetermined certificate issued to a customer connected through the customer terminal) For example, if the official certificate is registered through the party, the information of the party, the other information when the official certificate is registered through the other line, etc.), and / or the certificate information issued to the customer by the certification body is further included. Preferably, at this time, the customer authentication unit requests the certificate-based customer authentication through the authentication certificate registered by the registrar to the authentication server of the certification authority, and receives the customer authentication result from the authentication server, thereby receiving the customer May be authenticated, and the authenticated customer information (or customer authentication information) is transferred to the information operation unit 735. It is characterized by reaching. Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

In addition, the customer authentication unit 725 provides the communication session information and the certificate information connected to the customer terminal to the authentication server (not shown) of the certification authority, the authentication server based on the communication session information After performing a customer authentication procedure corresponding to the certificate information to the customer terminal, the result may be provided to the customer authentication unit 725.

In addition, the customer authentication information stored in the DBMS is made of a copy of the authentication certificate of the customer accessing the Internet banking server through the customer terminal, and / or the directory of the certification authority that issued a predetermined certificate to the customer It is preferable to include the connection information, wherein the customer authentication unit 725 requests the certificate-based customer information to the customer terminal in conjunction with the authentication server of the certification authority that issued a predetermined certificate to the customer, The client may be authenticated by receiving the certificate-based customer information from the customer terminal and authenticating the certificate-based customer information through the copy of the certificate and / or the directory of the certification authority, and the authenticated customer information (or Customer authentication information) to the information operation unit 735. Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit 725, or a predetermined random number generated by the customer terminal, in which case the customer terminal is the official certificate through the certificate The random number is encrypted using at least one or more 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. 725) (e.g., if the random number is generated in the customer terminal, further includes a random number in the plain text), and is extracted from the copy of the customer's official certificate and / or from the directory by the customer authentication unit 725. Decrypt the random numbers encrypted based on the certificate information of the customer and compare them with each other, and / or the random number in the plain text form (eg, the high By encrypting and comparing the random number generated in the authentication unit 725 and / or the random number generated in the customer terminal), the customer can be authenticated, and the authenticated customer information (or customer authentication information) is operated. Characterized in that the transfer to the portion (735). Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

According to another exemplary embodiment of the present invention, the certificate-based customer information is stored in the customer terminal (eg, information stored in the storage device of the customer terminal in the Internet banking server, and / or in the customer terminal). Previously stored information (or system information), and / or storage information (eg, IC card (and / or IC chip) serial number read out from an IC card (and / or IC chip) interworking with the customer terminal). And / or information stored in an IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuing authority), in which case the customer terminal stores the stored information through the certificate. The at least one encryption method of 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 to authenticate the customer. 725, and the customer authentication unit 725 decrypts the encrypted stored information based on the copy of the customer's official certificate and / or the certificate information of the customer extracted from the directory, and compares the encrypted stored information with each other. The customer may be authenticated, and the authenticated customer information (or customer authentication information) may be transmitted to the information operation unit 735. Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input information input through an input means provided in the customer terminal (for example, information input through a key input device provided in the customer terminal, and And / or information input through an input device (eg, a short-range communication device, etc.) other than a key input device provided in the customer terminal, in which case the customer terminal symmetrics the input information through the certificate. (Or secret key) encrypts and / or provides a public key encryption method, and / or an electronic envelope encryption method, and / or an encryption method using at least one or more of an encryption method provided to the customer authentication unit 725. And, based on the authentication certificate information of the customer extracted from the copy of the customer's official certificate and / or the directory in the customer authentication unit 725 By decrypting the encrypted input information and comparing each other, the customer can be authenticated, and the authenticated customer information (or customer authentication information) is transmitted to the information operation unit 735. Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment of the present invention.

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 725 interoperates with the UI processing unit to request a predetermined OTP code to the customer terminal, receives the OTP code from the customer terminal, and generates a predetermined OTP authentication code based on the OTP generation information. By comparing the received OTP code and the generated OTP authentication code, it is possible to authenticate the customer, characterized in that for transmitting the authenticated customer information (or customer authentication information) to the information management unit 735 do. Here, the authenticated customer information (or customer authentication information) transmitted to the information operation unit 735 is transferred to the information operation server 500 according to the embodiment 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 envelope encryption method, and / or key exchange encryption method in the customer terminal to provide a more advanced security function It is preferable that the data is encrypted and received through at least one of the encryption schemes. For this purpose, the customer authentication unit 725 preferably further includes a functional configuration for decrypting the OTP code.

When at least one financial transaction is requested from the client terminal, the banking processor 730 provides the financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal in association with the UI processor. When predetermined financial transaction request information is input (or selected) from the customer terminal through a financial transaction request information input interface screen, the predetermined financial transaction information corresponding to the financial transaction request information is referred to the banking element information. Is generated (or extracted) and provided to the ledger processing unit.

For example, when the financial transaction requested from the client terminal is a bank transfer transaction, the banking processor 730 interoperates with the UI processor to transmit the information necessary for the account transfer to the client terminal (eg, a withdrawal account number, withdrawal account password, Provide a predetermined interface screen for inputting (or selecting) deposit bank information, deposit account number, transfer amount information, security code number, etc., and through the interface screen, information (eg, withdrawal account number) required for the account transfer; , Withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is received (or selected), withdraw the transfer amount from the withdrawal account with reference to the banking element information Generates predetermined financial transaction information for depositing into a deposit account and provides it to the ledger processing unit.

According to the exemplary embodiment of the present invention, the banking processor 730 receives the predetermined financial transaction request information from the customer terminal. The financial transaction is linked to the customer authentication unit 725 through at least one customer authentication method. It is preferable to authenticate the customer requesting the request, thereby confidentiality and authentication for the customer (or a customer who has entered (or selected) a financial transaction request information transmitted through the customer terminal). Integrity and nonrepudiation are ensured.

The ledger processing unit may be linked with the financial system 135 through a predetermined interface unit. When the predetermined financial transaction information is generated (or extracted) by the banking processing unit 730, the financial transaction information may be used. Identify at least one or more ledger information to be extracted from the ledger on the financial system 135 in response to, extract the identified ledger information from the ledger on the financial system 135 via the interface means, and / Or generate (or extract) ledger record information recorded in the ledger on the financial system 135 in response to the financial transaction information, and generate (or extract) the ledger on the financial system 135 through the interface means. Record the ledger record information.

When the predetermined authentication operation for the customer accessing the Internet banking server is successfully performed through the customer authentication unit 725, the information operation unit 735 selects the connected customer information (or customer authentication information). The total loanable amount using the customer loan management account transmitted to the information management server 500 through the interface means, and corresponding to the connected customer information (or customer authentication information) transmitted from the information management server 500 and When the loan condition information is received, the total loanable amount and loan condition information using the received customer loan management account may be transmitted to the webpage operation unit 715.

Then, the web page operation unit 715 includes the total loanable amount and loan condition information using the customer loan management account received from the information operation unit 735 in the web page to be provided to the connected customer terminal. The user interface (UI) screen for determining and providing a predetermined internet banking service to the connected customer terminal, including the total loanable amount and loan condition information using the customer loan management account. The user interface screen including the total loanable amount and loan condition information using the customer loan management account is provided to a customer terminal connected to the Internet banking server.

Referring to FIG. 7, the information management server 500 interworks with the financial system 135 through the external system, and for this purpose, the information management server 500 interworks with the information management server 500 through a predetermined interface means. It is preferred to include a component for.

The information management server 500, through the information management system shown in Figure 5, after the loan management account for determining the loanable amount corresponding to the customer security assets according to the present invention is opened, the opened loan management account Periodically check the change history of at least one customer collateral asset constituting a, and according to the change history of the confirmed customer collateral asset, the loan amount that the customer can borrow through the loan management account and predetermined Generate (or update) the loan condition information of the client, transmit and store the client terminal (or customer communication means) in the storage medium, and a predetermined client terminal connects to the Internet banking server, and the connection from the Internet banking server. Receive the authenticated customer information (or customer authentication information) sent after performing authentication for one customer, and the customer Extracting the total loan amounts and loan conditions, loan management information using the customer's account to be provided from the storage medium, it characterized in that it provides to the banking server.

As described above, the Internet banking server comprises: a user interface for providing the Internet banking service with total loanable amount and loan condition information using the customer loan management account transmitted from the information management server 500; UI) is included in the screen to provide to the customer terminal.

According to the exemplary embodiment of the present invention, the storage medium is shown as being provided with the information management server 500 in FIG. 7, but not limited to the drawing, the storage medium is the Internet banking server and / or financial system ( 135) may be provided in the DBMS and / or a separate D / B server.

Referring to FIG. 7, the information management server 500 receives an information receiver 745 that receives customer information (or customer authentication information) for accessing the Internet banking server when a predetermined customer terminal is connected to the Internet banking server. And an information extraction unit 750 for identifying (or extracting) the total loanable amount and loan condition information using a customer loan management account corresponding to the received customer information (or customer authentication information) in association with the storage medium. And an information transmission unit 755 for transmitting the total loanable amount and loan condition information using the extracted customer loan management account to the internet banking server through the interface means.

According to an embodiment of the present invention, a predetermined customer terminal accesses the Internet banking server shown in FIG. 7, and performs an authentication procedure for the connected customer in the Internet banking server, thereby completing authentication of the connected customer. Then, in the process of providing a predetermined Internet banking service (or additional service) to the connected customer terminal, in order to provide the total loanable amount and loan condition information using the customer loan management account to the customer terminal, When the customer information (or customer authentication information) is transmitted to the information management server 500, the information receiver 745 receives the access customer information (or customer authentication information) transmitted from the Internet banking server, The received customer information (or customer authentication information) is characterized in that for transmitting to the information extraction unit 750.

The information extracting unit 750 may receive a customer loan management account corresponding to the received customer information when the connected customer information (or customer authentication information) is received from the Internet banking server through the information receiving unit 745. The total loanable amount and loan condition information used is checked (or extracted) from the storage medium, and the total loanable amount and loan condition information using the checked (or extracted) customer loan management account of the access customer. Is transmitted to the information transmission unit 755.

According to FIG. 7, the storage medium is illustrated as being provided in the information management server 500. However, the storage medium is not limited thereto, and the storage medium is linked to the information management server 500. Information registration server 100 or information management server 500).

The information transmitter 755 extracts the total loanable amount and loan condition information using a customer loan management account to be provided to a customer accessing the internet banking server through the information extractor 750. The total loanable amount and loan condition information using the customer loan management account may be transmitted to the information operation unit 735 of the Internet banking server through the interface means.

Preferably, the total loanable amount and loan condition information using the customer loan management account transmitted to the information operation unit 735 of the internet banking server is provided to the customer terminal in the process of starting or performing the internet banking service. It features.

In addition, the information management server 500 is based on at least one or more customer collateral assets constituting the loan management account of the customer total loanable amount (or total credit size, etc.) of the loan management account and the corresponding loan The information generating unit 535 for generating condition information, the information checking unit 525 for periodically checking the change in the security asset of the customer, and the change in the security property of the customer when the change in the security property of the customer is confirmed, An information update unit 530 for updating the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the created loan management account, and the total loanable amount of the updated loan management account; (Or the total credit size, etc.) and the corresponding loan condition information to the customer terminal (or customer communication means) may be configured to further include an information transmission unit 515, Showing parts of a functional configuration will be referring to the figures 5.

In addition, the information management server 500 shown in FIG. 7 is connected to the interface 505 when a predetermined customer terminal is connected to the information management server 500 through the interface unit 505. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateralized asset at the client terminal. To provide the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset to the customer terminal. It may be configured to further include an interface providing unit 510 to generate (or extract) the information providing interface of the provided to the customer terminal.

When the customer terminal is connected to the information management server 500 through the interface unit 505, the interface provider 510 responds to the change in the collateral asset in response to the functional configuration of the information management terminal. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account to be created (or renewed) and the information transfer through the network means. Create a predetermined information providing interface that can be transmitted to the server 500, and / or extracted from a predetermined database (not shown), and provides the generated (or extracted) information in conjunction with the interface unit 505 An interface is provided to the customer terminal through the network means.

Thereafter, the client terminal requests the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset based on the information provision interface. Input (or select) predetermined request information, transmit the input (or selected) request information to the information registration server 100 through the network means, and request the information from the information operation server 500. Receive information on the total loanable amount (or the total credit size, etc.) and the corresponding loan condition of the loan management account created (or renewed) in response to the change in the customer's collateral asset.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 510 is provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface that can be provided to a browser program and / or a communication program, and to provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505. Do.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 510 is provided to a browser program and / or a communication program provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface possible, and provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 is provided to the call terminal (not shown). Generates (or extracts) a predetermined information providing interface, and converts the generated (or extracted) information providing interface (eg, ARS based user interface) to the customer terminal (call terminal) through the interface unit 505. It is desirable to provide.

In addition, the information management server 500 shown in FIG. 7 includes a total of the loan management accounts based on at least one customer security asset constituting the loan management account of the customer through the information generation unit 535. When the loanable amount (or total credit size, etc.) and the corresponding loan condition information are generated, the total loanable amount (or total credit size, etc.) and the corresponding loan condition information of the generated loan management account are displayed. It may be configured to further include an information storage unit 125 for storing in the storage medium in association with the information.

In addition, the information storage unit 125 is periodically checked for the change in the security assets of the customer through the information confirmation unit 525, the information update unit 530 based on the confirmed changes in the security assets. If the total loanable amount (or the total credit size, etc.) and the corresponding loan condition information of the loan management account created through is updated, the total loanable amount (or the total credit size, etc.) of the updated loan management account and The information storage unit 125 may be further configured to store corresponding loan condition information on the storage medium in association with the customer information.

In addition, the information management server 500 shown in Figure 7, through the information transmission unit 515, the total loanable amount (or total credit size, etc.) of the updated loan management account and corresponding loan condition information After the request is made to the customer terminal (or customer communication means), the customer requests a predetermined loan based on the total loanable amount (or total credit size, etc.) and the corresponding loan condition information. The customer loan management account may be configured to further include a loan processing unit 540 for processing the loan requested by the customer.

The information checking unit 525 periodically checks the customer's collateral asset changes, and transmits the confirmation details to the information updating unit 530. The customer checking by the information checking unit 525 confirms. The collateral asset may include at least one or more customer-owned goods and assets that will constitute the loan management account to be opened.

For example, the collateral assets include monetary management assets such as Certificate of Deposit (CD) and other cash management accounts (CMAs), working capital management accounts (WCMAs), and trust management accounts (TMAs). It is possible to include the assets of the account.

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

8 is a diagram illustrating a process of performing an authentication procedure for an access customer when using Internet banking according to an embodiment of the present invention.

In more detail, in FIG. 8, in the information operation system shown in FIG. 7, a predetermined client terminal accesses an Internet banking server provided in the information operation system through a TCP / IP based network (eg, the Internet). In this case, by performing a predetermined customer authentication procedure, an internet banking-based financial transaction channel is connected between the customer terminal and the internet banking server, and the authenticated customer information (or customer authentication information) is transferred from the internet banking server. The present invention relates to an implementation method of requesting the total loanable amount and loan condition information using a customer loan management account corresponding to the customer information (or customer authentication information) by transmitting to the information operation server 500 on the operation system. Those skilled in the art may refer to, and / or modify, this customer's terminal and the Internet bank. Would be able to derive a variety of information providing method using the Internet banking based financial transaction channel to the server, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 8.

In addition, according to an embodiment of the present invention, Figure 8 is connected to the Internet banking server through a predetermined browser program (for example, Microsoft's Internet Explorer, and / or Netscape's Netscape Navigator, etc.) provided in the customer terminal City, based on the browser program is shown an implementation method of connecting the Internet banking-based financial transaction channel for financial transactions using the Internet banking between the customer terminal and the Internet banking server, the general knowledge in the art If the user has, the Internet banking based on the Internet banking based financial transaction channel connection method using the browser program shown in Figure 8 and / or modified based on a predetermined Internet banking program mounted on the customer terminal Internet banking Internet banking between servers Although an implementation method of linking an internet banking-based financial transaction channel for a convergence transaction may be inferred, the present invention includes a provided internet banking-based financial transaction based on the internet banking program, whereby Not determined

Also, those skilled in the art may refer to and / or modify the Internet banking-based financial transaction channel connection method shown in FIG. 8, in addition to the internet banking system, a telebanking system and / or Other banking systems, such as wireless banking systems and / or TV banking systems, may infer an implementation method of connecting non-face-to-face channel based financial transaction channels for financial transactions using Internet banking, but the present invention provides the telebanking system and And / or all types of non-face-to-face channel based financial transactions, including wireless banking systems and / or TV banking systems and / or future non-face-to-channel banking systems, the technical configuration of the present invention being illustrated in FIG. It is by no means limited to Internet banking.

Referring to FIG. 8, when a predetermined client terminal executes a predetermined browser program and accesses the Internet banking server through the TCP / IP based network (800), the Internet banking server communicates with the client terminal through the browser. A communication channel is connected between the Internet banking servers (805), wherein the communication channel generates (or extracts) a predetermined web page at the request of a browser program provided to the customer terminal from the Internet banking server to the customer terminal. Transmits, and allocates a predetermined communication session to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in a browser program included in the client terminal. It means.

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

Thereafter, the internet banking server includes a predetermined security module for internet banking on the customer terminal in a predetermined web page (eg, an Internet banking main page) generated (or extracted) for providing to the customer terminal. And / or a predetermined script for checking whether to update the security module is provided to the customer terminal so that the customer terminal is equipped with a predetermined security module for internet banking, and / or the security. It is checked whether or not to update the module (810).

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking server requests version information and / or last update date information, etc., from the internet banking program, thereby providing the Internet banking program. (And / or security modules associated with the Internet Banking Program) may be updated.

If a predetermined security module is to be installed and / or updated in the customer terminal (815), the Internet banking server is used for the latest version of the Internet banking to the customer terminal according to a remote program installation procedure defined in the browser program. The security module is transmitted and mounted and / or updated (820).

If the customer terminal does not need to install and / or update the latest version of the Internet banking security module (825), or if the customer terminal does not need to install and / or update the Internet banking security module (815). The banking server activates an internet banking security module installed in the customer terminal, thereby connecting a security channel for internet banking between the customer terminal and the internet banking server (or converting a communication channel between the customer terminal and the internet banking server into a secure channel). In this case, the secure channel for internet banking includes a predetermined electronic value in information (or data) required for security among information (or data) included in a web page to be provided from the internet banking server to the customer terminal. The customer terminal is provided by attaching a signature and / or by encrypting with at least one encryption method (and / or encryption algorithm). Means 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). And attaching a predetermined electronic signature to information (or data) to be provided to the internet banking server for financial transactions using internet banking at the client terminal and / or using at least one encryption method (and / or encryption algorithm). When encrypted and transmitted, the Internet banking server verifies the digital signature and / or the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to the encryption method (and / or encryption algorithm). ) Means a communication channel for decoding.

According to another exemplary embodiment of the present invention, when a predetermined internet banking program is provided in the customer terminal, the internet banking-based security channel is provided from the internet banking server to the customer 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 encryption method (and / or encryption algorithm), the electronic terminal confirms the electronic signature and / or the encryption. Means a communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to a method (and / or an encryption algorithm), and furthermore, a financial transaction using Internet banking in the customer terminal. To the information (or data) to be provided to the Internet banking server for Attaching an electronic signature and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms) confirms the digital signature on the Internet banking server and / or the encryption method (and / or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decoding scheme (and / or decoding algorithm) corresponding to.

Herein, the security module performs an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using an authorized certificate of the customer mounted in the customer terminal. do.

When the secure channel for internet banking is connected, the internet banking server requests the terminal to perform an internet banking customer authentication procedure through the browser program (835).

According to an 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 in the internet banking application process) through the customer terminal. And the like (or generated) and transmitted to the internet banking server, the internet banking server comprises authenticating a customer connected through the customer terminal as an internet banking customer based on the customer authentication data. 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 registered by the customer in an internet banking application process or a customer through the customer terminal). Number, etc.) and input (or generate) to the authentication server, the authentication server authenticates the customer connected through the customer terminal as the Internet banking customer based on the customer authentication data, and the result is the Internet. It includes providing to the banking server, wherein the customer authentication data is preferably including a certificate-based authentication data, the authentication server is a server for authenticating the certificate-based authentication data.

Thereafter, the customer terminal inputs (or generates) predetermined customer authentication data according to the request, digitally signs and / or encrypts the data through the security module, and transmits the same to the Internet banking server (and / or authentication server). Requesting a customer authentication (840), the Internet banking server (and / or authentication server) is based on the customer authentication data received from the customer terminal through the non-face-to-channel channel-based financial transactions Authenticate as an Internet banking customer (845).

If the Internet banking customer authentication fails (850), the Internet banking server blocks the Internet banking security channel for the customer terminal (855), so that the Internet banking-based financial transaction is not made through the customer terminal. .

On the other hand, if the Internet banking customer authentication is successful (850), the Internet banking server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with the security module provided in the customer terminal, and implements the present invention. According to the method, the authenticated customer information (or customer authentication information) is transmitted to the information management server 500 on the information management system shown in FIG. 7 through an interface means, and the customer loan management corresponding to the connected customer. The total loan amount and loan condition information using the account are requested (865).

9 is a diagram illustrating a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the customer after performing authentication of an Internet banking customer according to an embodiment of the present invention.

In more detail, in FIG. 9, a predetermined customer terminal accesses an Internet banking server provided in the information management system through the process of FIG. 8, and after a predetermined customer authentication procedure is performed for the accessed customer, Obtaining the total loanable amount and loan condition information using the customer loan management account according to the present invention to be provided to the access customer through a predetermined interface means in the Internet banking server from the information operation server 500 on the information management system, The present invention provides a method of providing to the customer terminal, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to the customer connected to the Internet banking server by referring to and / or modifying the drawing 9. Various implementations that provide total loan amount and loan condition information using customer loan management account corresponding to Would be able to derive a method, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 9.

Referring to FIG. 9, when a request for payment information of a customer including customer information (or customer authentication information) is received from an internet banking server at the information management server 500 (900), the information management server 500 may be configured as described above. The total loanable amount and loan condition information using the high customer loan management account corresponding to the customer information is extracted (or confirmed) from the storage medium (905).

When the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information is extracted (or confirmed) from the storage medium (910), the information management server 500 is extracted from the storage medium. The total loanable amount and loan condition information using the customer loan management account are transmitted to the internet banking server through the interface means (915), and the internet banking server sends the total loanable amount using the received customer loan management account and By generating (extracting) the financial transaction interface web page including the loan condition information (920), the total loanable amount using the customer loan management account to the customer terminal through the financial transaction channel between the Internet banking server and the customer terminal; The financial transaction interface web page including the loan condition information is transmitted / output (925).

According to an embodiment of the present invention, the total loanable amount and loan condition information using the customer loan management account are included in a predetermined financial transaction interface web page as described above and transmitted to the customer terminal, or a popup or a separate It may be provided to the customer terminal through a web page.

Alternatively, the total loanable amount and the loan condition information using the customer loan management account are for the customer who applied for (or registered) the payment schedule information providing service according to an embodiment of the present invention. It may be included in a web page and transmitted to the customer terminal or may be provided to the customer terminal through a pop-up or a separate web page.

In addition, according to an embodiment of the present invention, the total loanable amount using the customer loan management account provided to the customer terminal included in the financial transaction interface web page and / or a predetermined pop-up and / or a separate web page. And the loan condition information may further include link information for providing predetermined detailed information.

On the other hand, according to the implementation method of the present invention, when the customer receives the total loanable amount and loan condition information using the customer loan management account through a predetermined communication means, the information management server 500 is the loan from the customer Check if there is a loan approval (or agreement) under the condition, and if the customer has approval (or agreement) for the loan, include at least one or more of the loan processing conditions (eg, loan period, loan rate, repayment period, etc.). The loan amount under the condition) can be transferred to the customer payment account.

FIG. 10 is a diagram illustrating a system configuration for providing a total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to another embodiment of the present invention. to be.

In more detail, FIG. 10 illustrates a wireless banking server and a wireless banking server for providing a wireless banking service based on a VM (Virtual Machine) and / or a wireless IC chip among financial transaction systems operated by the financial institution. When the communication channel for the connection is connected, the connected customer information is transmitted to a predetermined information management server 500, the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information to extract the wireless As an implementation method for an information operation system provided to a customer terminal connected to a banking server, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to and / or modify the drawing 10 and the VM (Virtual Machine) Various implementation methods for the configuration of the information operation system including the wireless banking server and the information management server 500 based on the base and / or wireless IC chip can be inferred Would be, the present invention includes all the embodiments in which the inference method, not limited to the exemplary method shown in the figure 10.

Referring to FIG. 10, an information operation system according to an exemplary embodiment of the present invention includes a wireless payment program for providing a virtual machine (VM) based and / or wireless IC chip based wireless banking service through a predetermined wireless communication network. At least one customer terminal connected to the wireless banking service based on a virtual machine (VM) -based and / or a wireless IC chip in connection with a wireless payment program included in the customer terminal through a predetermined wireless communication network. The client terminal receives customer information to the information management server 500 and receives total loanable amount and loan condition information using a customer loan management account corresponding to the customer information provided from the information management server 500. Wireless banking server provided by the 1000 and the total using the customer loan management account received from the wireless banking server 1000 Extracting the output amounts and lending condition information from the storage medium (or a check, or to create or update) to be characterized in that comprising an information management server 500 is provided to the wireless banking server (1000).

The customer terminal is a mobile communication terminal operating based on a Code Division Multiple Access (CDMA) stack, and / or a portable Internet terminal operating based on an IEEE 802.16x standard, and / or a wireless terminal operating based on an IEEE 802.11x standard. Characterized in that it comprises at least one or more of the LAN terminal, the customer terminal is preferably provided with a wireless payment program for providing the online predetermined wireless banking service.

When the customer terminal is a CDMA stack based mobile communication terminal according to an embodiment of the present invention, it is preferable that the wireless communication network to which the customer terminal is connected includes the CDMA stack based mobile communication network. Accordingly, the mobile communication network may further include a High Speed Downlink Packet Access (HSDPA) communication standard, whereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.16x based portable internet terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.16x based portable internet.

According to another exemplary embodiment of the present invention, when the customer terminal is an IEEE 802.11x based wireless LAN terminal, the wireless communication network to which the customer terminal is connected may include the IEEE 802.11x based wireless LAN.

Here, the predetermined wireless payment program provided in the customer terminal connects a wireless communication network to which the customer terminal is connected to a predetermined wireless banking server 1000 by using a wireless communication function provided in the customer terminal. And a communication channel for wireless banking based on a wireless IC chip and / or a wireless IC chip, and predetermined wireless banking request information (eg, customer account information) to be performed to the wireless banking server 1000 through the communication channel. Financial transaction information, etc.) and / or wireless banking processing information corresponding to the IC chip-based wireless banking procedure, and the total loan using a customer loan management account corresponding to the customer information from the wireless banking server 1000. Characterized by receiving the possible amount and loan conditions information.

According to the present invention, the wireless banking server 1000 is based on a VM (Virtual Machine) and / or a wireless IC chip that processes the wireless payment program and the wireless-based financial transaction provided to the customer terminal through the wireless communication network. And an interface unit 1005 for connecting and managing a communication channel for providing a banking service and an additional service (eg, a customer loan management account operation service).

According to an embodiment of the present invention, a communication channel connected between the wireless payment program provided in the customer terminal and the wireless banking server 1000 by the interface unit 1005 may include a wireless payment program of the customer terminal and the wireless connection. It includes a data communication channel for transmitting and receiving at least one or more financial transaction data (eg, wireless banking request information, wireless banking result information, or additional service information, etc.) through a financial transaction communication protocol defined between the banking server 1000. It is preferable to make it.

According to an embodiment of the present invention, at least one or more financial transaction data transmitted and received through the communication channel is preferably encrypted and transmitted through at least one or more encryption methods, and for this purpose, a wireless payment program provided to the customer terminal and / or Alternatively, the wireless banking server 1000 may be provided with an encryption / decryption function for the financial transaction data.

In addition, the financial transaction data transmitted to the wireless banking server 1000 in the wireless payment program provided in the customer terminal through the communication channel is preferably attached to the electronic signature of the customer, it is provided in the customer terminal The wireless payment program is provided with an electronic signature attachment function for the financial transaction data, the wireless banking server 1000 is preferably provided with an electronic signature confirmation function for the financial transaction data.

Referring to FIG. 10, the wireless banking server 1000 may include an information acquisition unit that receives at least one wireless banking request information from the client terminal through the interface unit 1005, and a customer who transmits the wireless banking request information. An information confirmation unit 1015 for confirming the customer information of the user, and providing the confirmed customer information to the information operation server 500 on the information management system through a predetermined interface means, and from the information operation server 500. Customer loan received from the information management server 500 in conjunction with the information operation unit 1020 and the interface unit 1005 for receiving the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information And an information transmission unit 1025 for providing the total loanable amount and loan condition information using a management account to the customer terminal. It shall be.

The wireless banking server 1000 reads the wireless banking request information to extract at least one financial transaction related information, and the predetermined financial system 135 through a predetermined interface means based on the financial transaction related information. The client terminal generates wireless banking result information processed by the banking processor 1010 in conjunction with the banking processor 1010 and the interface unit 1005 to perform a financial transaction procedure corresponding to the financial transaction request information. It can be configured to further include an information transmission unit 1025 provided.

The information acquisition unit 1030 is the wireless payment program is driven in the customer terminal, the wireless banking request information (which may include customer loan management account information request information) related to a predetermined financial transaction through the wireless payment program When input (or generated) is transmitted through the wireless communication network, the wireless banking request information transmitted from the customer terminal through the interface unit 1005 is received.

Preferably, the wireless banking request information includes predetermined wireless banking authentication information input through a predetermined key input means provided in the customer terminal, wherein the wireless banking authentication information is an account corresponding to the customer financial account. A password, and / or a financial transaction password (eg, a bank transfer password, etc.) corresponding to the financial transaction requested via the wireless banking request information, and / or a security code (eg, a security code printed on a security card issued to a customer). And / or at least two or more security code combinations).

In addition, according to an embodiment of the present invention, the wireless banking request information, characterized in that further comprises information for requesting the inquiry on the total loanable amount and loan condition information using the customer loan management account of the customer. .

When the wireless banking request information transmitted from the customer terminal is received through the information obtaining unit 1030, the information checking unit 1015 receives the wireless banking authentication information included in the received wireless banking request information. The customer information may be confirmed (or authenticated), and the confirmed (or authenticated) customer information is transmitted to the information manager 1020.

The information operation unit 1020, if the predetermined authentication operation for the customer connected to the wireless banking server 1000 through the information check unit 1015 is successfully performed, the connected customer information (or customer authentication information) ) Is transmitted to the information management server 500 through a predetermined interface means, and the total loan using the customer loan management account corresponding to the transmitted customer information (or customer authentication information) transmitted from the information management server 500. When the available amount and the loan condition information are received, the total loanable amount and the loan condition information using the received customer loan management account may be transmitted to the information transmitter 1025.

The information transmission unit 1025, the total loanable amount using the customer loan management account corresponding to the access customer information (or customer authentication information) from the information management server 500 through the information operation unit 1020 and When the loan condition information is received and transmitted, the total loanable amount and loan condition information using the delivered customer loan management account in conjunction with the interface unit 1005 may be transmitted to the customer terminal.

The financial system 135 is a general term for a financial computer system in which a customer financial account corresponding to the customer account information is opened. Referring to FIG. 10, at least one financial account is opened to at least one financial transaction customer. A computer system provided in a financial institution to provide at least one financial transaction service based on the financial account, which processes a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or window). An interconnection between the accounting system, the processing of headquarters operations, branch office information support and customer information management, and the financial system 135 and at least one other financial system 135 (and / or payment system); and / Or at least one non-face-to-face financial transaction means (at least one external communication network) For example, access to the financial system 135 from Internet banking, wireless banking, IC chip-based wireless banking, tele banking, TV banking, etc., and / or at least one common network (eg, CD common network, financial common network). And an external system for providing various financial transaction interfaces, and the financial system 135 includes an interface module corresponding to a middleware platform for providing interfacing between components in the financial system. At least one database for storing and managing predetermined information (eg, ledger information, and / or customer information, and / or management information, etc.) required for each function in a component in the financial system. Characterized in that it comprises a DBMS (DataBase Management System) made.

In addition, the financial system 135 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 135 and the purpose of the financial system 135. 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 matters of the financial system 135, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the implementation method of the present invention, the DBMS provided in the financial system 135, the financial institution opens at least one financial account to at least one financial transaction customer, at least one or more financial based on the financial account And a ledger D / B for storing at least one ledger for providing a transaction service, wherein the ledger D / B performs at least one financial transaction processing for the financial institution to provide to the financial transaction customer. Add at least one ledger information (e.g., customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger corresponding to each ledger information (e.g., more specific and / or supplementing the attributes / functions of each ledger) The information is characterized in that it is stored in association with the relationship (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 135. 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.

Referring to FIG. 10, after the predetermined customer terminal is connected to the wireless banking server 1000 and the wireless banking server 1000 performs authentication of the connected customer, the information management server 500 performs the authentication. Receives the authenticated customer information (or customer authentication information) to be transmitted, and extracts (or confirms) the total loanable amount and loan condition information using the customer loan management account stored in the storage medium in association with the storage medium. And, the total loanable amount and loan condition information using the extracted (or confirmed) customer loan management account is characterized in that for transmitting to the wireless banking server (1000).

According to the exemplary embodiment of the present invention, the storage medium is illustrated as being provided in the information operation server 500. However, the storage medium is not limited to the drawing, and the storage medium may include the wireless banking server 1000 and / or the financial system. 135) may be provided in the DBMS and / or a separate D / B server.

Referring to FIG. 10, when the wireless banking server 1000 accesses a predetermined customer terminal, the information management server 500 may provide customer information (or customer authentication information) about a customer accessing the wireless banking server 1000. Total loanable amount and loan using an information receiving unit 115 for receiving from the wireless banking server 1000 and a customer loan management account corresponding to the received customer information (or customer authentication information) in association with the storage medium. An information extraction unit for extracting (or confirming) condition information and an information transmitting unit for transmitting the total loanable amount and loan condition information using the extracted customer loan management account to the wireless banking server 1000 through the interface means. And 515.

According to an embodiment of the present invention, a predetermined customer terminal is connected to the wireless banking server 1000 shown in FIG. 10, and the wireless banking server 1000 performs the authentication procedure for the connected customer. After the authentication of one customer is completed, in the process of providing a predetermined wireless banking service (or additional service) to the connected customer terminal, the total loanable amount using the customer loan management account corresponding to the customer information to the customer terminal. And in order to provide loan condition information, when the connected customer information (or customer authentication information) is transmitted to the information management server 500, the information receiving unit 115 is transmitted from the wireless banking server 1000 Receive access customer information (or customer authentication information), and transmits the received customer information (or customer authentication information) to the information extraction unit.

When the information extracting unit receives customer information (or customer authentication information) corresponding to the customer terminal connected to the wireless banking server 1000 through the information receiving unit 115, the information extracting unit interworks with the storage medium to provide the customer information. And extracting (or confirming) the total loanable amount and loan condition information using the corresponding customer loan management account, and the total loanable amount and loan condition information using the extracted (or confirmed) customer loan management account. Is transmitted to the information transmitter 515.

According to FIG. 10, although the storage medium is illustrated as being associated with the information management server 500, the storage medium is not limited thereto, and the storage medium is provided in the information management server 500 or a predetermined server (eg, a server). , An information registration server 100, an information processing server, etc.).

When the information transmission unit 515 extracts (or confirms) the total loanable amount and loan condition information using the customer loan management account to be provided to the customer accessing the wireless banking server 1000 through the information extraction unit, When the extracted customer payment schedule information and the remaining balance of the payment account are insufficient, the total loanable amount and loan condition information using the customer loan management account is operated through the interface means for the information of the wireless banking server 1000. It transmits to the unit 735.

Preferably, the total loanable amount and loan condition information using the customer loan management account transmitted to the information operation unit 735 of the wireless banking server 1000 may be used in the process of starting or performing the wireless banking service to the customer terminal. It is characterized by being provided.

In addition, the information management server 500 is based on at least one or more customer collateral assets constituting the loan management account of the customer total loanable amount (or total credit size, etc.) of the loan management account and the corresponding loan The information generating unit 535 for generating condition information, the information checking unit 525 for periodically checking the change in the security asset of the customer, and the change in the security property of the customer when the change in the security property of the customer is confirmed, An information update unit 530 for updating the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the created loan management account, and the total loanable amount of the updated loan management account ( Or an information transmitting unit 515 for transmitting the total credit size) and the corresponding loan condition information to the customer terminal (or customer communication means). do.

In addition, the information management server 500 shown in FIG. 10 is connected to the interface 505 when a predetermined customer terminal is connected to the information management server 500 through the interface unit 505. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateralized asset at the client terminal. To provide the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset to the customer terminal. It may be configured to further include an interface providing unit 510 to generate (or extract) the information providing interface of the provided to the customer terminal.

When the customer terminal is connected to the information management server 500 through the interface unit 505, the interface provider 510 responds to the change in the collateral asset in response to the functional configuration of the information management terminal. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account to be created (or renewed) and the information transfer through the network means. Create a predetermined information providing interface that can be transmitted to the server 500, and / or extracted from a predetermined database (not shown), and provides the generated (or extracted) information in conjunction with the interface unit 505 An interface is provided to the customer terminal through the network means.

Thereafter, the client terminal requests the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset based on the information provision interface. Input (or select) predetermined request information, transmit the input (or selected) request information to the information registration server 100 through the network means, and request the information from the information operation server 500. Receive information on the total loanable amount (or the total credit size, etc.) and the corresponding loan condition of the loan management account created (or renewed) in response to the change in the customer's collateral asset.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 510 is provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface that can be provided to a browser program and / or a communication program, and to provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505. Do.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 510 is provided to a browser program and / or a communication program provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface possible, and provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 is provided to the call terminal (not shown). Generates (or extracts) a predetermined information providing interface, and converts the generated (or extracted) information providing interface (eg, ARS based user interface) to the customer terminal (call terminal) through the interface unit 505. It is desirable to provide.

In addition, the information management server 500 shown in FIG. 10 includes a total of the loan management accounts based on at least one customer security asset constituting the loan management account of the customer through the information generation unit 535. When the loanable amount (or total credit size, etc.) and the corresponding loan condition information are generated, the total loanable amount (or total credit size, etc.) and the corresponding loan condition information of the generated loan management account are displayed. It may be configured to further include an information storage unit 125 for storing in the storage medium in association with the information.

In addition, the information storage unit 125 is periodically checked for the change in the security assets of the customer through the information confirmation unit 525, the information update unit 530 based on the confirmed changes in the security assets. If the total loanable amount (or the total credit size, etc.) and the corresponding loan condition information of the loan management account created through is updated, the total loanable amount (or the total credit size, etc.) of the updated loan management account and The information storage unit 125 may be further configured to store corresponding loan condition information on the storage medium in association with the customer information.

In addition, the information management server 500 shown in FIG. 10 may, through the information transmission unit 515, total loanable amount (or total credit size, etc.) and corresponding loan condition information of the updated loan management account. After the request is made to the customer terminal (or customer communication means), the customer requests a predetermined loan based on the total loanable amount (or total credit size, etc.) and the corresponding loan condition information. The customer loan management account may be configured to further include a loan processing unit 540 for processing the loan requested by the customer.

The information checking unit 525 periodically checks the customer's collateral asset changes, and transmits the confirmation details to the information updating unit 530. The customer checking by the information checking unit 525 confirms. The collateral asset may include at least one or more customer-owned goods and assets that will constitute the loan management account to be opened.

For example, the collateral assets include monetary management assets such as Certificate of Deposit (CD) and other cash management accounts (CMAs), working capital management accounts (WCMAs), and trust management accounts (TMAs). It is possible to include the assets of the account.

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

11A and 11B illustrate a process of accessing a wireless banking server 1000 from a customer terminal for a predetermined financial transaction according to an exemplary embodiment of the present invention.

11A and 11B illustrate a process in which a customer terminal illustrated in FIG. 10 accesses a wireless banking server 1000 on an information management system illustrated in FIG. 10 in order to perform a predetermined wireless-based financial transaction. As shown in the drawings, those of ordinary skill in the art may refer to and / or modify the drawings 11a and 116b to access the wireless banking server 1000 for the wireless-based financial transaction. It will be possible to infer various implementation methods, but the present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

11A illustrates a process of accessing the wireless banking server 1000 for VM-based financial transactions, and FIG. 11B illustrates a process of accessing the wireless banking server 1000 for IC chip-based financial transactions. It is.

Referring to FIG. 11A, a client terminal intended to perform a predetermined financial transaction shown in FIG. 10 drives a predetermined wireless payment program provided in the client terminal to access the wireless banking server 1000 (1100a). When it is confirmed that the wireless payment program is driven (1105a), the customer terminal extracts the customer account information from a predetermined memory (or storage means) provided in the customer terminal and transmits to the driven wireless payment program. The customer account information is automatically input into the provided wireless banking interface (1110a).

Thereafter, the client terminal inputs (or automatically inputs) financial transaction information (eg, payment amount information and account information (eg, financial transaction target account information, etc.)) for a predetermined financial transaction into a wireless banking interface provided in the wireless payment program. 1115a, when the financial transaction information input process is completed, the customer terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1120a).

The wireless payment authentication information may include an account password corresponding to the customer financial account, and / or a financial transaction password (eg, a bank transfer password) corresponding to a financial transaction requested through the wireless banking request information, and / Or a security code (eg, a security code printed on a security card issued to a customer, and / or a combination of at least two security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1125a), the customer terminal generates wireless banking request information including the financial transaction information through the wireless payment program (1130a).

Those skilled in the art to which the present invention pertains, various embodiments of the wireless payment program of the customer terminal generates the wireless banking request information according to the financial system 135 and the VM-based wireless banking protocol defined Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the client terminal performs an encryption function for the wireless banking request information (1135a), wherein the encryption function is secret key (or symmetric key) based encryption, and / or public key based encryption, and / or electronic envelope based. Preferably at least one or more of encryption, and / or key exchange based encryption.

According to another embodiment of the present invention, if the encryption function for the wireless banking request information is possible only with a positive encryption function (eg, WTLS (Wireless Transport Layer Security)) on the VM-based wireless banking protocol, the wireless payment program The function of encrypting the wireless banking request information may be omitted, whereby the present invention is not limited.

If the encryption for the wireless banking request information is completed (1140a), the customer terminal transmits the wireless banking request information for a predetermined financial transaction to the wireless banking server 1000 through a wireless communication network connected to the customer terminal. (1145a).

When the wireless banking server 1000 receives the wireless banking request information for the financial transaction from the customer terminal, the wireless banking server 1000 confirms the customer information that transmits the wireless banking request information for the financial transaction, and the information shown in FIG. Transmission to the operation server 500 requests the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information (1150a).

Referring to FIG. 11B, a predetermined wireless payment program provided in the client terminal is driven in order to access the wireless banking server 1000 from a client terminal to perform a predetermined financial transaction shown in FIG. 10 (1100 b). When it is confirmed that the wireless payment program is driven (1105b), the customer terminal performs a validity authentication procedure for the financial IC chip mounted (or attached) to the customer terminal through the wireless payment program (1110b). .

According to an exemplary embodiment of the present invention, the wireless payment program provided in the customer terminal performs a validity authentication procedure for the financial IC chip through a predetermined PIN (Personal Identification Number) input, thereby performing the wireless banking based on the financial IC chip. Secure confidentiality, authentication, integrity, and nonrepudiation

Those skilled in the art to which the present invention pertains, since the PIN will be familiar with the technical features to secure the confidentiality, authentication, integrity and non-repudiation of the financial IC chip, the detailed description thereof Is omitted for convenience.

If the validity of the financial IC chip is not authenticated, the customer terminal outputs predetermined financial IC chip validity error information and ends the process of accessing the wireless banking server 1000.

On the other hand, if the validity of the financial IC chip is authenticated (1115b), the customer terminal outputs the operation screen of the wireless payment program to the financial IC chip-based wireless payment screen (1120b), the customer from the financial IC chip Extracting the account information, and automatically enters the customer account information into the wireless banking interface provided in the driven wireless payment program (1125b).

Thereafter, the client terminal inputs (or automatically inputs) financial transaction information for a predetermined financial transaction into a wireless banking interface provided in the wireless payment program (1130b), and when the information input process is completed, the customer The terminal checks whether at least one wireless payment authentication information is input through a predetermined key input means (1135b).

Here, the wireless banking authentication information may be an account password corresponding to the customer financial account, and / or a financial transaction password (eg, account transfer password, etc.) corresponding to the financial transaction requested through the wireless banking, and / or a security code. (E.g., a security code printed on a security card issued to a customer, and / or a combination of at least two or more security codes).

If at least one wireless payment authentication information is input through a predetermined key input means (1140b), the customer terminal through the wireless payment program, the customer account information, payment amount information, account information (eg, financial transaction target account) Information, etc.) and the financial IC chip-based financial transaction (or account transfer) procedure through the wireless payment authentication information, and simultaneously generate the financial IC chip-based financial transaction processing information (1145b) and perform the wireless banking server 1000. (1150b).

Those skilled in the art will be familiar with the technical features of the method for performing the financial IC chip-based financial transaction procedure, and thus the detailed description thereof will be omitted for convenience.

When the financial IC chip-based financial transaction processing information is received from the customer terminal, the wireless banking server 1000 confirms customer information that has transmitted the financial IC chip-based financial transaction processing information, and the information shown in FIG. Transmission to the operation server 500 requests the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information (1155b).

12 is a diagram illustrating a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the customer information to a wireless banking user terminal according to an embodiment of the present invention.

In more detail, in FIG. 12, a predetermined customer terminal accesses the wireless banking server 1000 provided in the information management system through the process of FIG. 11a or 11b, and customer information of the accessed customer is confirmed. Thereafter, the wireless banking server 1000 provides the total loanable amount and loan condition information using the customer loan management account according to the present invention to be provided to the access customer through a predetermined interface means on the information management server. Obtained from 500, and provided to the customer terminal, if the person having ordinary skill in the art to which the present invention pertains, refer to and / or modified this figure 12 the wireless banking server 1000 ) Provides a total of available loan amount and loan condition information using the customer loan management account corresponding to the customer to the client terminal connected to the It would be able to infer when the method, the present invention includes all embodiments in which the inference method, not limited to the exemplary method shown in the figure 12.

Referring to FIG. 12, when the information management server 500 receives a request for total loan amount and loan condition information using a customer loan management account including customer information (or customer authentication information) from the wireless banking server 1000. In operation 1200, the information management server 500 interoperates with the storage medium and extracts (or confirms) the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information (1205).

When the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information is extracted (or confirmed) from the storage medium (1210), the information management server 500 extracts the extracted information from the storage medium. The total loanable amount and loan condition information using the customer loan management account are transmitted to the wireless banking server 1000 through the interface means (1215), and the wireless banking server 1000 receives the received customer loan management account. The total loanable amount and loan condition information are transmitted to the customer terminal (1220).

FIG. 13 illustrates a system configuration for providing a total loanable amount and loan condition information using a customer loan management account to a predetermined customer accessing a financial institution through a non-face-to-face channel according to another embodiment of the present invention. Drawing.

In more detail, in FIG. 13, when a predetermined customer accesses through a financial terminal on a financial terminal-based non-face-to-face financial transaction system such as a CD / ATM operated by the financial institution, the financial terminal may be connected to the financial terminal. As an implementation method for an information management system that checks (or authenticates) customer information connected to the terminal and provides the loan terminal with the total loanable amount and loan condition information using the customer loan management account corresponding to the confirmed customer information. The information management system stores the total loanable amount and loan condition information using a financial terminal connected to the financial system 135 through a financial network and a customer loan management account corresponding to customer information connected to the financial terminal. It is characterized in that it comprises an information management server 500, which is extracted from the provided to the financial terminal; All.

The financial system 135 that provides the financial terminal-based non-face-to-face financial transaction, opens at least one financial account to at least one financial transaction customer, and provides at least one financial transaction service based on the financial account. It is a computerized system provided to financial institutions in order to provide accounting for processing of credit services such as credits or receptions or trusts or foreign exchanges occurring in at least one branch (or counter), processing of headquarters operations, branch information support, and customer information. At least one non-information provided in the information system for processing management, the interconnection between the financial system 135 and at least one other financial system 135 (and / or payment system), and / or at least one external communication network. Face-to-face financial transactions (eg, Internet banking, wireless banking, IC chip-based wireless banking, home banking, Tel Rebanking, TV banking, etc.) to access the financial system 135, and / or the external system to provide various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). In addition, the financial system 135 is an interface module corresponding to the middleware platform (Middleware) platform that provides the inter-component interfacing between the components in the financial system, and for performing each function in the components in the financial system Store and manage required information (e.g., ledger information, and / or management information, and / or customer relationship management (CRM) information acquired by the financial institution in processing financial transactions for the financial transaction customer); To be characterized in that it comprises a DBMS consisting of at least one or more databases.

In addition, the financial system 135 may provide at least one or more branches (and / or branches) and / or public through a predetermined financial network (eg, CD common network) to provide financial transactions based on the financial terminal. Characterized in that it is connected to the financial terminal including a CD / ATM provided in the place, characterized in that to perform at least one ledger-based financial transaction procedure for the financial terminal.

The financial terminal is provided at a branch (or / or branch) of a financial institution corresponding to the financial system 135, and / or includes a CD / ATM provided at a public place. 135) and a communication network through a predetermined financial network (for example, CD common network).

In the financial transaction process through the financial terminal, at least one financial transaction customer has predetermined financial instrument information in a card reader of a financial terminal such as a CD / ATM provided at the branch (and / or branch) and / or public place. An integrated circuit with a bankbook with stored MS (Magnetic Stripe), and / or an MS card (e.g., a cash card, debit card, etc.) with predetermined financial instrument information, and / or predetermined financial instrument information. When a card (eg, a cash card, a debit card, an electronic bank account) is inserted, and at least one financial transaction information is input (or selected) through a financial transaction interface screen provided by the financial terminal, the financial terminal receives the financial information. A predetermined message including means information and financial transaction information is generated and transmitted to the financial system 135 through the financial network.

Thereafter, the financial terminal completes the financial transaction requested by the financial transaction customer by outputting the financial transaction result (eg, screen output and / or print output).

Those skilled in the art will be familiar with the detailed procedures for at least one financial transaction process using the financial terminal for each financial institution, so the detailed description thereof will be omitted for convenience. .

According to the implementation method of the present invention, the financial system 135 processes the financial transaction corresponding to the transmitted financial transaction information through the financial means corresponding to the financial means information transmitted from the financial terminal, and the result In the process of transmitting to the financial terminal through the financial network, the information management server 500 extracts the total loanable amount and loan condition information using the customer loan management account corresponding to the customer information connected to the financial terminal (or Check), and transmit the total loanable amount and loan condition information using the extracted (or confirmed) customer loan management account to the financial terminal.

In addition, according to another embodiment of the present invention, the information management server 500 extracts (or confirms) the total loanable amount and loan condition information from the storage medium using the customer loan management account corresponding to the predetermined customer information. And transmitting the total loanable amount and the loan condition information using the extracted customer loan management account to the financial terminal to store the information in the predetermined memory in the financial terminal, and then the customer uses the financial terminal. When the financial transaction is initiated, the financial transaction customer information is checked and the total loanable amount and loan condition information using the customer loan management account previously stored in the memory is output in response to the confirmed customer information.

Referring to FIG. 13, the information management server 500 interworks with the financial system 135 through the external system, and for this purpose, the information management server 500 interworks with the information management server 500 through a predetermined interface means. It is preferred to include a component for.

Referring to FIG. 13, the information management server 500 connects the financial terminal from the financial terminal or the financial system 135 when the financial terminal connects to the financial system 135 for a predetermined financial transaction. An information extracting unit 1300 for receiving customer information and an information extracting unit for extracting total loanable amount and loan condition information using a customer loan management account corresponding to the customer information from a storage medium with reference to the received customer information. 1305 and an information transmission unit 1310 for transmitting the total loanable amount and loan condition information using the extracted customer loan management account to the financial terminal.

The information receiver 1300 transmits a predetermined message (or data) transmitted from the financial terminal to the financial system 135 in a process in which the financial terminal accesses the financial system 135 for a predetermined financial transaction. And read and receive the financial transaction customer information, wherein the received financial transaction customer information is transmitted to the information extraction unit.

When the customer information using the financial terminal is received (or confirmed) through the information receiver 1300, the information extracting unit 1305 interworks with the storage medium to correspond to the received (or confirmed) customer information. Wherein the total loanable amount and loan condition information using the customer loan management account are extracted from the storage medium, and the information transfer unit sends the total loanable amount and loan condition information using the extracted customer loan management account. Forward to 1310.

According to FIG. 13, although the storage medium is illustrated as being associated with the information management server 500, the present invention is not limited thereto, and the storage medium is provided in the information management server 500 or the financial system ( 135) it may be included in the DBMS on.

The information transmitter 1310 may extract the customer loan management account when the total loanable amount and loan condition information using the customer loan management account corresponding to the financial transaction are extracted through the information extractor 1305. The total loanable amount and loan condition information used are transmitted to the financial terminal through the financial network.

In addition, the information management server 500, based on at least one or more customer security assets constituting the loan management account of the customer, the total loanable amount (or total credit size, etc.) of the loan management account and the corresponding An information generation unit 535 for generating loan condition information, an information checking unit 525 for periodically checking a change in the security property of the customer, and a change history of the security property when the change in the customer security asset is confirmed An information update unit 530 for updating the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the created loan management account on the basis of; and the total loanable amount of the updated loan management account. (Or a total credit size, etc.) and information corresponding to the loan condition is transmitted to the customer terminal (or customer communication means) characterized in that it further comprises a For the illustration of the functional component, reference is made to FIG. 5.

In addition, the information management server 500 shown in FIG. 13 is connected to the interface 505 when a predetermined customer terminal is connected to the information management server 500 through the interface 505. Input (or select) predetermined request information for requesting the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateralized asset at the client terminal. To provide the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset to the customer terminal. It may be configured to further include an interface providing unit 510 to generate (or extract) the information providing interface of the provided to the customer terminal.

When the customer terminal is connected to the information management server 500 through the interface unit 505, the interface provider 510 responds to the change in the collateral asset in response to the functional configuration of the information management terminal. The information management is performed through the network means by inputting (or selecting) predetermined request information for requesting the total loanable amount (or total credit size, etc.) of the loan management account to be created (or updated) and corresponding loan condition information. Generate a predetermined information providing interface that can be transmitted to the server 500, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 505 generated (or extracted) information providing interface It characterized in that to provide to the customer terminal through the network means.

Thereafter, the client terminal requests the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the loan management account generated (or updated) in response to the change in the collateral asset based on the information provision interface. Input (or select) predetermined request information, transmit the input (or selected) request information to the information registration server 100 through the network means, and request the information from the information operation server 500. You are provided with the total loanable amount (or total credit size, etc.) and corresponding loan terms and conditions of the loan management account created (or renewed) in response to changes in the customer's collateral assets.

According to an embodiment of the present invention, when the customer terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface providing unit 510 is provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface that can be provided to a browser program and / or a communication program, and to provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505. Do.

According to another exemplary embodiment of the present invention, when the customer terminal includes a wireless terminal connected to a predetermined wireless network, the interface providing unit 510 is provided to a browser program and / or a communication program provided in the customer terminal. It is preferable to generate (or extract) a predetermined information providing interface possible, and provide the generated (or extracted) information providing interface to the customer terminal through the interface unit 505.

According to another exemplary embodiment of the present invention, when the customer terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 510 is provided to the call terminal (not shown). A predetermined information providing interface is generated (or extracted) as possible, and the generated (or extracted) information providing interface (eg, ARS based user interface) is transmitted through the interface unit 505 to the customer terminal (call terminal). It is preferable to provide.

In addition, the information management server 500 shown in FIG. 13 includes a total of the loan management accounts based on at least one customer security asset constituting the loan management account of the customer through the information generation unit 535. When the loanable amount (or total credit size, etc.) and the corresponding loan condition information are generated, the total loanable amount (or total credit size, etc.) and the corresponding loan condition information of the generated loan management account are displayed. It may be configured to further include an information storage unit 125 for storing in the storage medium in association with the information.

In addition, the information storage unit 125 is periodically checked for the change in the security assets of the customer through the information confirmation unit 525, the information update unit 530 based on the confirmed changes in the security assets. If the total loanable amount (or the total credit size, etc.) and the corresponding loan condition information of the loan management account created through is updated, the total loanable amount (or the total credit size, etc.) of the updated loan management account and The information storage unit 125 may be further configured to store corresponding loan condition information on the storage medium in association with the customer information.

In addition, the information management server 500 shown in FIG. 13 uses the information transmission unit 515 to display the total loanable amount (or total credit size, etc.) and corresponding loan condition information of the updated loan management account. After the request is made to the customer terminal (or customer communication means), the customer requests a predetermined loan based on the total loanable amount (or total credit size, etc.) and the corresponding loan condition information. The customer loan management account may be configured to further include a loan processing unit 540 for processing the loan requested by the customer.

The information checking unit 525 periodically checks the customer's collateral asset changes, and transmits the confirmation details to the information updating unit 530, wherein the customer security confirmed by the information checking unit 525. Assets may include at least one customer-owned product and assets that will make up the loan management account being opened.

For example, the collateral assets include monetary management assets such as Certificate of Deposit (CD) and other cash management accounts (CMAs), working capital management accounts (WCMAs), and trust management accounts (TMAs). It is possible to include the assets of the account.

In addition, the customer collateral asset information may further comprise an investment asset, such as securities that represent the right of ownership having a property value.

14A and 14B illustrate a process of providing total loanable amount and loan condition information using a customer loan management account corresponding to the financial transaction customer information to the financial terminal when using the financial terminal according to another embodiment of the present invention. One drawing.

In more detail, FIGS. 14A and 14B illustrate a predetermined financial transaction (or financial transaction details inquiry) through the financial terminal in the financial terminal-based non-face-to-face financial transaction process through the information operation system shown in FIG. A method of providing a total loanable amount and loan condition information using a customer loan management account to a customer, which is a person having ordinary knowledge in the technical field to which the present invention belongs, Although various information providing methods using the financial terminal-based non-face-to-face financial transaction channel may be inferred by referring to and / or modifying the drawing 14b, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in Fig. 14B.

14a shows that the financial system 135 processes a financial transaction corresponding to the transmitted financial transaction information through a financial means corresponding to the financial instrument information transmitted from the financial terminal, and the result is transmitted through the financial network. In the process of transmitting to the financial terminal, the information management server 500 checks the customer information for performing a financial transaction through the financial terminal, the total loanable amount and loan using the customer loan management account corresponding to the customer information Extract the condition information from the storage medium, and transmit the total loanable amount and loan condition information using the extracted customer loan management account to the financial terminal, the total using the transmitted customer loan management account in the financial terminal The present invention relates to a method of outputting loanable amount and loan condition information. The total loanable amount and loan condition information using the customer loan management account is extracted from the storage medium, and the total loanable amount and loan condition information using the extracted customer loan management account is transmitted to a predetermined financial terminal. When the customer initiates a predetermined financial transaction using the financial terminal after the pre-stored in a predetermined memory in the terminal, the customer information is checked and stored in the financial terminal memory in response to the confirmed customer information. And a method for outputting the total loanable amount and loan condition information using the customer loan management account.

Referring to FIG. 14A, an MS having predetermined financial means information stored in a card reader of a financial terminal including a CD / ATM provided at a branch (or branch) and / or a public place of a predetermined financial transaction customer ( A customer-owned bank with magnetic stripe) and / or a customer-owned MS card (e.g., a cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or a customer-owned IC equipped with predetermined financial instrument information When an integrated circuit card (eg, a cash card, a debit card, or an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and enters a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. According to the customer-owned bank account and / or MS card and / or IC card predetermined financial means information (e.g. account number provided in the financial system 135 corresponding to the financial transaction customer) At least one financial transaction information (e.g., a deposit account number, a transfer account amount, a withdrawal account (customer account) password, etc.) corresponding to a financial transaction requested by the financial transaction customer (or selected); Process the input (1400a).

Those of ordinary skill in the art to which the present invention pertains may include the customer-owned bank account and / or MS card and / or in accordance with a non-face-to-face financial transaction procedure corresponding to at least one financial transaction interface screen provided by the financial terminal. Since it will be familiar with the process of reading predetermined financial instrument information from an IC card and inputting and processing at least one financial transaction information corresponding to the financial transaction requested by the financial transaction customer. Is omitted for convenience.

Thereafter, the financial terminal transmits the financial instrument information and the financial transaction information to the financial system 135 and the information management server 500 through a predetermined financial network (for example, a CD common network) (1405a). The financial system 135 (eg, a ledger server provided in the financial system 135) corresponds to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. Process at least one financial transaction, and generate a predetermined financial transaction result corresponding to the financial transaction process (1410a).

Here, the information management server 500 checks the customer information of the customer performing the financial transaction in conjunction with the financial system 135 (1415a), and in conjunction with the storage medium, the confirmed financial transaction customer information The total loanable amount and loan condition information using the customer loan management account corresponding to the extracted from the storage medium (or check) (1420a).

The information operation server 500 transmits the total loanable amount and loan condition information using the customer loan management account of the financial transaction customer extracted from the storage medium to the financial terminal (1425a). The total loanable amount and loan condition information using the transmitted customer loan management account are outputted (1430a).

Referring to FIG. 14B, the information management server 500 extracts (or confirms) the total loanable amount and loan condition information using a customer loan management account corresponding to a predetermined financial transaction customer from the storage medium (1400b), The total loanable amount and loan condition information using the customer loan management account extracted (or confirmed) from the storage medium is transmitted to a predetermined financial terminal (1405b).

Then, the financial terminal stores the total loanable amount and loan condition information using the transmitted customer loan management account in a predetermined memory provided in the financial terminal (1410b), the customer loan management account stored in the memory. The total loanable amount and loan condition information using is preferably updated periodically.

Thereafter, the MS (Magnetic Stripe) in which the predetermined financial instrument information is stored in the card reader of the financial terminal including the CD / ATM provided at the branch (or branch) and / or public place of the financial institution is provided. Customer-owned bank account, and / or customer-owned MS card (e.g., cash card, debit card, etc.) equipped with predetermined financial instrument information, and / or customer-owned integrated circuit (IC) equipped with predetermined financial instrument information When a card (eg, a cash card, a debit card, an electronic bank account) is inserted, the financial terminal outputs at least one financial transaction interface screen and is owned by the customer according to a non-face-to-face financial transaction procedure corresponding to the financial transaction interface screen. Read predetermined financial instrument information (e.g., an account number provided in the financial system 135 corresponding to a financial transaction customer) from the bankbook and / or the MS card and / or the IC card, If the financial transaction customer inputs or processes at least one financial transaction information (e.g., a deposit account number, a bank transfer amount, a withdrawal account (customer account password), etc.) corresponding to the financial transaction requested (or selected) (1415b), the financial terminal transmits the financial instrument information and financial transaction information to the financial system 135 and the information management server 500 through a predetermined financial network (for example, CD common network) (1420b), The financial system 135 (eg, a ledger server provided in the financial system 135) may correspond to the financial transaction information through a ledger (eg, a customer ledger and / or a reception ledger) corresponding to the financial instrument information. At least one financial transaction is processed and a predetermined financial transaction result corresponding to the financial transaction processing is generated (1425b).

In this process, the financial terminal checks the customer information of the financial transaction customer, and extracts (or confirms) the total loanable amount and loan condition information using the customer loan management account stored in the memory in response to the confirmed customer information. (1430b), and outputs the total loanable amount and loan condition information using the extracted (or confirmed) the customer loan management account (1435b).

According to the present invention, a predetermined loan management account in which a total loanable amount is determined in response to a range and a value of a customer asset to be provided as collateral is opened, and periodical checks of the asset change of the customer are made to open the loan management. By providing a loan management account operation method and system for updating the loanable amount information and loan condition information of the account and transmitting the updated loanable amount information and loan condition information to the communication means of the customer, If you need funds for personal use, you can maximize the size of the loan.

In addition, financial institutions combine various assets and provide them as collateral, which can maximize the creditworthiness of customers, thereby maximizing the potential of loans.

In addition, by opening a loan management account, it is possible not only to receive various types of loans to meet various financing patterns, but also to reduce costs and loan time because additional costs are not incurred in loans.

In addition, the customer can choose the variable or fixed interest rate for the entire loan or a certain portion, and the loan interest rate is determined by the total amount of the loan, not the nominal loan balance, so that the loan interest rate can be applied to the customer's advantage. .

Claims (1)

An account opening means for opening a predetermined loan management account, wherein a total loanable amount is determined according to a range and a value of a customer asset to be provided as collateral, and processing a plurality of loans of a customer into a single account; Account management means for periodically checking a change in assets of the customer and updating loanable amount information and loan condition information of the opened loan management account; And Information providing means for transmitting the updated loanable amount information and loan condition information to the communication means of the customer; And loan processing means for processing the loan requested by the customer through the opened loan management account when the customer makes a predetermined loan request based on the loanable amount information and the loan condition information. Loan Management Account Management System.

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