KR20080087056A

KR20080087056A - Devices for providing business banking service and program recording medium

Info

Publication number: KR20080087056A
Application number: KR1020060131724A
Authority: KR
Inventors: 정종필
Original assignee: 주식회사 신한은행
Priority date: 2006-12-21
Filing date: 2006-12-21
Publication date: 2008-09-30

Abstract

The present invention relates to an apparatus for providing a corporate banking service and a program recording medium for the same. The apparatus for providing a corporate banking service according to the present invention includes a storage unit for storing and managing banking transaction settlement line information of a company in a predetermined storage medium, and the settlement. On the basis of the receiving unit for receiving commercial information (corporation classification and commercial data) for the corporate banking transaction of the merchant and the payment line information previously stored in the storage medium, the transaction approval information of the received merchant information is confirmed, and It is characterized in that it comprises an approval processing unit for providing the body information to the confirmed transaction approver terminal, receiving the approval data from the transaction approver and a transmission unit for transmitting the approval data to the financial company server.

Description

Device for Providing Business Banking Service and Program Recording Medium {Devices for Providing Business Banking Service and Program Recording Medium}

1 is an information registration system for registering general manager information and at least one sub-manager information for operating and managing a predetermined non-face-to-face corporate financial service provided by a financial institution through a face-to-face channel according to an embodiment of the present invention. It is a figure which shows a structure.

2 is a diagram illustrating a process of registering manager information for managing and operating a corporate financial service in a face-to-face manner according to an embodiment of the present invention.

3 is a configuration of an information registration system for a general manager who operates and manages a given non-face-to-face corporate financial service provided by a financial institution through a non-face-to-face channel according to an embodiment of the present invention to create (or change) a payment line. Figure is a diagram.

4 is a diagram illustrating a process of registering new settlement line information by a general manager who manages and operates a corporate financial service in a non-face-to-face manner according to an embodiment of the present invention.

5 is an exemplary view of a settlement line management screen according to settlement line registration information registered by the general manager according to an embodiment of the present invention.

6 is an information registration system for registering a user ID for a single transaction by a general manager operating and managing a predetermined non-face-to-face corporate financial service provided by a financial institution through a non-face-to-face channel according to an embodiment of the present invention. Figure is a diagram.

7 is a diagram illustrating a process of registering a single transaction user ID information by a general manager who manages and operates a corporate financial service in a non-face-to-face manner according to an embodiment of the present invention.

8 is a diagram illustrating a system configuration for managing and operating a predetermined corporate financial service provided by a financial institution through a non-face-to-face channel according to another method of the present invention.

9 is an exemplary diagram of a user management system divided into an administrator and a user who are provided with a corporate financial service according to an exemplary embodiment of the present invention.

10 is an exemplary view of authority information according to a user system according to an embodiment of the present invention.

11A and 11B are exemplary diagrams of authority information according to a user scheme according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a user authentication and transaction process according to an embodiment of the present invention.

13A and 13B illustrate a user authentication and transaction process according to another exemplary embodiment of the present invention.

800: corporate financial service management server 805: interface unit

810: service operation unit 815: scraping unit

820: administrator authentication unit 825: information confirmation unit

830: information storage unit 835: information transmission unit

840: information receiving unit 845: storage medium

The present invention provides a storage unit which stores and manages banking transaction settlement line information of a company in a predetermined storage medium, a receiving unit which receives commercial information (correspondence classification and commercial data) for a corporate banking transaction of a settlement creditor, and the storage medium. An approval processing unit and the approval for confirming the transaction approver information of the received personal information, providing the personal information to the confirmed transaction approver terminal, and receiving approval data from the transaction approver based on previously stored payment line information. The present invention relates to a corporate banking service providing apparatus having a transmission unit for transmitting data to a financial institution server.

Recently, various solutions that combine corporate and banking are being released. These enterprise banking solutions have made business tasks that have been performed offline or individual online more convenient and efficient.

However, as the size of the company grew and the business area expanded, the needs of various corporate customers for the management of affiliates were generated, and the stronger function of the master function to manage the banking solution for the enterprise and its own payment system The trend is being reflected.

An object of the present invention, the storage unit for storing and managing the banking transaction settlement line information of the company in a predetermined storage medium, the receiving unit for receiving the entity information (correspondence classification and body data) for the corporate banking transaction of the settlement creditors, and An approval processing unit that checks the transaction approver information of the received renewal information, provides the renewal information to the confirmed transaction approver terminal, and receives the approval data from the transaction approver based on the payment line information previously stored in the storage medium. And a transmission unit for transmitting the approval data to a financial institution server.

The apparatus for providing a corporate banking service according to the present invention includes a storage unit for storing and managing banking transaction settlement line information of a company in a predetermined storage medium, and receiving renewal information (correspondence classification and renewal data) for a corporate banking transaction of a settlement creditor. On the basis of the receiver and the payment line information previously stored in the storage medium, confirming the transaction approver information of the received personal information, providing the personal information to the confirmed transaction approver terminal, and granting data from the transaction approver. Characterized in that it comprises an approval processing unit for receiving the and transmission unit for transmitting the approval data to the financial institution server.

According to the present invention, the apparatus for providing a corporate banking service may include a payment line management unit that provides a function of generating, modifying, and deleting payment line information stored in the storage medium when the corporate banking general manager is connected. It is characterized by further comprising.

According to the present invention, the approval processing unit, in the absence of the transaction approver, confirms the wireless terminal information of the transaction approver, provides the body information to the confirmed transaction approver wireless terminal, and receives the approval data from the transaction approver wireless terminal. It is characterized by receiving.

On the other hand, the present invention includes a recording medium, characterized in that for recording the program for executing the function of the above-described enterprise banking service providing apparatus component.

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 properly modify the terms so that those skilled in the art to clearly understand the key technical features of the present invention to clearly understand, thereby the present invention This is by no means limited.

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

More specifically, FIG. 1 is a general manager who operates and manages a corporate financial service from a corporate customer in order to operate and manage certain non-face-to-face corporate financial services (eg, corporate integrated account management, etc.) provided by a financial institution. Information and at least one sub-manager information (for example, sub-manager information registration can be registered by the general manager through the corporate financial service management system shown in FIG. 3 below). As a system configuration for storing and registering in a predetermined storage medium by linkage processing, a person having ordinary knowledge in the technical field to which the present invention pertains refers to a non-face-to-face company from the enterprise customer by referring to and / or modifying the drawing. General manager for operating and managing financial services (eg corporate integrated account management, etc.) Various implementation methods for a system configuration for storing and registering information and at least one sub-manager information in association with a predetermined storage medium may be inferred. However, the present invention includes all the implementation methods inferred from the above drawings. It is not limited only to the implementation method shown in FIG.

Hereinafter, general manager information and at least one sub-manager information for operating and managing a predetermined corporate financial service provided by the financial institution through the predetermined information registration interface on the information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations that are provided and required to be associated with the corporate information and the corporate financial service information and stored and registered in a predetermined storage medium is referred to as " information registration server " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a general manager information and at least one sub-manager information for operating and managing the corporate financial service are received from the corporate customer and linked with the corporate information and corporate financial service information. The information registration system for processing and storing and registering in a predetermined storage medium comprises an information registration terminal including a window terminal provided at at least one branch (or headquarter or branch) of the financial institution. The information registration terminal is connected to a communication channel with an information registration server provided on the information registration system through a predetermined financial network.

According to an exemplary embodiment of the present invention, a predetermined corporate financial service provided by the financial institution collectively manages various types of money-related accounts operated by the corporation, and inquires information such as balances and transaction details in real time, It includes, but is not limited to, services that perform transactions such as fund transfer and self-sufficiency / distribution.

According to an embodiment of the present invention, the process of registering manager (eg, general manager and at least one sub-manager) information for managing and operating a predetermined corporate financial service provided by the financial institution may be performed by the corporate customer. It may be performed in the process of applying for and registering a corporate financial service provided by a financial institution, or after applying for and registering the corporate financial service. In FIG. 1, in order to clarify the gist of the present invention, A process for registering manager information (for example, general manager, etc.) for managing and operating financial services and a system therefor will be described.

Referring to FIG. 1, the corporate customer through a face-to-face channel registers manager (eg, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service. Visit a financial institution branch (or headquarters or a branch) that provides the corporate financial services, and manage the corporate financial service through a window (or through a clerk) provided at the financial institution branch (or headquarters or a branch). And a document having a form for filling in at least one item of information for registration of manager information (eg, general manager or general manager and at least one sub-manager) for operation) Is submitted to the clerk, the clerk will fill out the application form through the specified clerk terminal. The input (or selected) information, and the window terminal transmits the information about the input (or selected) by the information registration server provided on the information registering system, through the financial network.

Here, the teller terminal preferably comprises a manager terminal used by a teller provided at a branch (or a headquarter or a branch) of a financial institution that provides the corporate financial service, and the information registration server connected to the teller terminal is It is preferable to include a ledger server provided on a predetermined financial system, wherein the financial network connecting the teller terminal and the information registration server includes a branch network connecting the communication channel between the teller terminal and the information registration server. It is preferable to make.

In the information registration system as described above, a teller terminal used by the teller and the financial network connecting the teller terminal with the information registration server are managers (for example, general managers or the managers) for managing and operating the corporate financial service. General manager and at least one sub-manager, etc.) to perform the function of the information registration interface for information registration.

The storage medium provided on the information registration system according to the present invention is a manager (eg, general manager, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service provided from the information registration terminal. Information is stored.

According to the method of the present invention, the general manager information is included in each detailed item (eg, integrated account management, money management, bill management, B2B payment, user environment management, etc.) included in the corporate financial service provided by the financial institution. Personal information (e.g., name, social security number, address, e-mail, telephone) for the general manager who can access, inquire, process, manage, change sub-manager (or user), and set authority for corporate card management, foreign exchange management, etc. Number) and the at least one unique information (eg, ID / PW, public certificate, etc.) and authority information.

The sub-manager information is included in some detailed items (eg, integrated account management, money management, bill management, B2B payment, user environment management, corporate card management, foreign exchange management, etc.) included in the corporate financial service provided by the financial institution. Personal information (e.g. name, social security number, address, e-mail, telephone number, etc.) for the sub-administrator who can access, inquire, process, manage, etc., and the unique information (e.g. ID / PW, public certificate, etc.) and authority And at least one of information and the like, wherein the sub-manager can be registered by the general manager or its authority can be set or changed.

According to an embodiment of the present invention, manager (eg, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service is processed in association with the corporate information and corporate financial service information. And stored in the storage medium.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium is the financial Ledger D / B provided in the DBMS on the system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

The information registration server provided on the information registration system according to the present invention is a generic term for the components of the information registration system connected to the information registration terminal through a predetermined financial network, and includes at least one server (or device). And / or at least one program 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 information registration terminal is a window terminal connected to a predetermined financial network, the information registration server is a ledger server provided on a financial system connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in the external system on the financial system, and / or a program provided in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server is characterized by comprising an interface unit for connecting and managing a predetermined communication channel with the information registration terminal through the financial network.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface unit connects the window terminal and a predetermined communication channel based on a protocol stack defined in the financial network. In addition, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program provided in the window terminal.

Referring to FIG. 1, the information registration server manages and operates the corporate financial service in the information registration terminal in association with the interface unit when a predetermined information registration terminal is connected to the information registration server through the interface unit. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting information of a manager (for example, general manager or general manager and at least one sub-manager) to the information registration terminal. A manager (eg, general manager, or general manager) for managing and operating the corporate financial service which is input (or selected) and transmitted from the information registration terminal through the user interface in association with the provision unit and the interface unit; At least one sub-manager, etc.) An information receiving unit and manager (eg, general manager, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the received corporate financial service in association with the corporate information and corporate financial service information And an information storage unit for storing in a predetermined storage medium.

The interface providing unit is a manager (eg, a general manager) for managing and operating the corporate financial service in response to a function configuration provided in the information registration terminal when a predetermined information registration terminal is connected to the information registration server through the interface unit. Or generate a predetermined user interface capable of inputting (or selecting) information of the general manager and at least one sub-manager, etc., and transmitting the information to the information registration server through the financial network, and / or a predetermined database (shown in FIG. Omit), and provide the generated (or extracted) user interface to the information registration terminal through the financial network in association with the interface unit.

Thereafter, the information registration terminal inputs (or selects) information of a manager (eg, general manager, or general manager and at least one sub-manager) for managing and operating the corporate financial service based on the user interface. Transmitting information (eg, general manager, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the input (or selected) corporate financial service to the information registration server through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network, the interface providing unit generates a predetermined user interface that can be provided by a financial transaction related program included in the window terminal (or And the user interface generated (or extracted) through the interface unit to the counter terminal.

The information receiver inputs (or selects) information of a manager (for example, general manager, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service through the user interface in the information registration terminal. And transmit the information through the financial network to receive manager (eg, general manager, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service in conjunction with the interface unit. In addition, the manager (eg, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the received corporate financial service is provided to the information storage unit.

The information storage unit, when the manager (for example, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service is received through the information receiving unit, the received corporate financial service Manager information (eg, general manager, general manager, or general manager and at least one sub-manager) for managing and operating the information and the corporate information and the corporate financial service information in association with each other to store the information in the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the information registration server or on the network associated with the information registration server, the information storage unit is an administrator for managing and operating the corporate financial service ( For example, the general manager, or the general manager and at least one sub-manager, etc.) may be stored in the storage medium in association with the corporate information and the corporate financial service information, and the storage medium may be provided on the financial system. When the information storage unit is provided in the DBMS, the information storage unit (eg, general manager, or general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service information to the external system on the financial system; To provide it to the information system and store it in the DBMS equipped on the financial system It is preferred.

In more detail, in FIG. 2, in the case where an information registration server on the information registration system shown in FIG. 1 is provided in a financial system linked to a window terminal through a predetermined financial network or is linked to the financial system, A communication channel for a terminal accessing the information registration server to register manager (eg, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service according to the present invention; After the connection, the manager (for example, general manager, general manager, or general manager and at least one sub-manager, etc.) information for managing and operating the corporate financial service to the information registration server through the communication channel, the information, A tube for managing and operating the received corporate financial services at a registration server. An embodiment of the present invention relates to a method of storing information on a predetermined storage medium in association with the corporate information and corporate financial service information, such as general manager or general manager and at least one sub-manager. Those of ordinary skill in the art can refer to and / or modify this drawing 2 to be a manager (e.g., general manager or general manager) for managing and operating the corporate financial service from the teller terminal to the information registration server. Various implementation methods for storing and registering information such as an administrator and at least one sub-manager may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG. .

Referring to FIG. 2, an administrator (for example, a manager for managing and operating the corporate financial service according to the present invention) by accessing the information registration server through a predetermined financial network using the window terminal shown in FIG. 1 as an information registration terminal. , A general manager, or a manager (eg, general manager, or general manager) for connecting a predetermined communication channel for registering information such as the general manager and at least one sub-manager, and managing and operating the corporate financial service. And requesting information registration (at least one sub-manager, etc.) (200), the information registration server is a manager (eg, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service. Generate (or extract) a predetermined information registration interface for registering information (205), Group transmits to output the generated information registering interface (or extraction) via a communication channel to the information registering terminal 210.

According to an embodiment of the present invention, the information registration interface inputs (or selects) information of a manager (eg, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service. It is preferable to include a user interface.

Thereafter, the information registration terminal inputs (or selects) information on the manager (eg, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service through the information registration interface ( 215).

If information (or general manager), or general manager or general manager and at least one sub-manager, for managing and operating the corporate financial service is input through the information registration interface, the information registration terminal is inputted (or selected). 220, the information registration terminal is a manager (eg, general manager, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service input (or selected) through the financial network. Information is sent to the information registration server (225).

Thereafter, the information registration server receives and reads information (for example, general manager, general manager, or general manager and at least one sub-manager, etc.) for managing and operating the corporate financial service through the financial network (230). And storing information of the manager for managing and operating the received corporate financial service (for example, general manager, or general manager and at least one sub-manager, etc.) in association with the corporate information and corporate financial service information. In operation 235, an administrator (eg, general manager, or general manager and at least one sub-manager, etc.) for registering and managing the corporate financial service is transmitted to the information registration terminal (240). .

More specifically, FIG. 3 is a general manager for operating and managing predetermined non-face-to-face corporate financial services (eg, corporate integrated account management, etc.) provided by the financial institution through the information registration system shown in FIG. After the information and the at least one sub manager information are registered, the predetermined manager is provided with predetermined settlement line registration information for creating a new settlement line or changing (or deleting) an existing approval line from the general manager. The system is configured to store new payment line information generated according to the storage medium. Those skilled in the art to which the present invention pertains can refer to and / or modify the drawing 3 from the general manager. The new settlement line information generated according to the settlement line registration information by receiving the settlement line registration information is stored in the storage medium. Various implementation methods for the system configuration to be stored may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

Hereinafter, the at least one sub-manager setting (or change) (for example, permission modification, etc.) information is provided from the general manager through a predetermined information registration interface on the information registration system shown in FIG. Components corresponding to at least one or more means and / or functional configurations required for changing (e.g., assigning, modifying, reducing, etc.) or updating and storing in the storage medium are referred to as "information registration servers" for convenience. According to another exemplary embodiment of the present invention, the information registration server may be interlocked with the corporate financial service management server shown below, or may be included in the corporate financial service management server as a predetermined function configuration means or function configuration unit.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for receiving predetermined settlement line registration information from a general manager and storing newly created settlement line information in the storage medium according to the settlement line registration information. Is an information registration terminal comprising at least one wired terminal and / or a wireless terminal used by the general manager, wherein the information registration terminal is provided on the information registration system through a predetermined network means. Communication channel is connected to the registered information registration server.

According to an embodiment of the present invention, the settlement line registration information may include general manager information (eg, name and ID), at least one final approver information, at least one or more verifiable information, and at least one general user information. Can be.

In addition, the settlement line registration information may further comprise the settlement line classification information divided into the final approval, AND confirmation, OR confirmation, draft draft and the like.

Here, the final approval may call the bank transaction text after the final approval, AND confirmation requires the approval of all two or more confirmers, OR confirmation is required to approve one of two or more confirmers. It is done.

More detailed description of the payment line registration information will be described in more detail with reference to FIG. 5.

According to one embodiment of the present invention, the general manager includes at least one of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network in order to register a new settlement line according to the present invention. Access to the information registration server through an information registration terminal, and input (or select) settlement line registration information for registering the new payment line according to the present invention through at least one user interface provided by the information registration server. ), It is preferable that the information registration terminal transmits the information registration server provided on the information registration system through a predetermined network means.

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

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

The information registration server connected to the information registration terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the information registration terminal and network means. And / or a separate web server for registering the information.

The network means for connecting the information registration terminal and the information registration server may be a CDMA-based mobile communication network and / or an IEEE 802.16x-based portable Internet and / or DataTAC / Mobitex depending on the type of wireless network to which the information registration terminal is connected. It is preferable that any one of the base wireless data communication networks and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

Further, the information registration terminal outputs at least one or more user interfaces provided by the information registration server, and inputs and / or selects at least one or more information through the user interface and transmits the information to the information registration server. For example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the information registration server, etc.) are preferably provided.

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

In the information registration system as described above, at least one wired network and / or wireless network connecting the information registration server and the information registration terminal including at least one wired terminal and / or wireless terminal used by the general manager is the The general manager performs a function of an information registration interface for registering the settlement line registration information for registering the new settlement line according to the present invention.

According to another exemplary embodiment of the present invention, the information registration terminal includes an automatic teller machine (ATM) and a cash dispenser (CD) connected to a predetermined financial network (for example, a financial common network). And a predetermined communication terminal connected to a wired telephone network, such as a financial automatic device (not shown), and / or a public switched telephone network (PSTN) or a voice over IP (VoIP) network. At least one affiliated with the financial institution, 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. Terminals (and / or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) connect the information registration server. The financial network performs the function of an information registration interface for the general manager to register the settlement line registration information according to the present invention, and / or when the information registration terminal is the call terminal (not shown), the call terminal ( Wired network and / or wireless telephone network connecting the call terminal (not shown) and the information registration server perform a function of an information registration interface for the general manager to register the settlement line registration information according to the present invention. And / or when the information registration terminal is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal ( And / or a server (not shown) and the network connecting the terminal (and / or server) (not shown) and the information registration server are information registration interfaces for the general manager to register the settlement line registration information according to the present invention. Perform the function of

The storage medium provided on the information registration system according to the present invention includes the general manager information (eg, name and ID), at least one or more final approver information, at least one or more verifiable information, and at least one provided from the information registration terminal. And the approval line registration information including the approval line classification information divided into general user information and final approval, AND confirmation, OR confirmation, draft plan, and the like.

According to another embodiment of the invention, the storage medium comprises at least one non-face-to-face banking system (eg, an internet banking system, and / or a telebanking system, and / or provided on (or associated with) the registration system). Wireless banking system, and / or TV banking system, etc.) may be provided in the DBMS, whereby the present invention is not limited.

The information registration server provided on the information registration system according to the present invention is a generic term for the information registration system side components connected with the information registration terminal through a predetermined network means, and includes at least one server (or device). And / or at least one program recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

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

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

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server is provided on the TV banking system. A predetermined TV banking server, and / or a program included in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server A program included in (or a device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (and / or the server (or device)), and // Or it may be a program provided in the external world on the financial system, whereby the present invention is not limited.

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

According to an embodiment of the present invention, when the information registration terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit is defined in the wired network and / or wireless network. A communication interface for connecting a predetermined communication channel with the information registration terminal based on the established protocol stack and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the information registration terminal. It is preferable to provide.

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

Alternatively, when the information registration terminal is provided with a communication program (eg, a banking program or a predetermined corporate financial service program) provided by the information registration server, the interface unit is based on the TCP / IP protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit is based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by using the communication protocol defined in the financial transaction-related program provided in the automated teller machine.

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

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

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

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

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

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

Referring to FIG. 3, when the predetermined information registration terminal is connected to the information registration server through the interface unit, the information registration server inputs the settlement line registration information from the information registration terminal in cooperation with the interface unit. An interface providing unit for generating (or extracting) a predetermined user interface to be transmitted to the information registration terminal, and inputting (or selecting) the information registration terminal through the user interface in cooperation with the interface unit; And an information storage unit configured to receive the settlement line registration information to be transmitted, and an information storage unit storing new settlement line information in a predetermined storage medium through the received settlement line registration information.

When the predetermined information registration terminal is connected to the information registration server through the interface unit, the interface providing unit inputs (or selects) the payment line registration information corresponding to the function configuration provided in the information registration terminal to provide the network means. Generating a predetermined user interface which can be transmitted to the information registration server via the network, and / or extracting from a predetermined database (not shown), and linking the generated (or extracted) user interface with the interface unit to the network means. It is characterized in that provided through the information registration terminal.

Thereafter, the information registration terminal transmits the payment line registration information to the information registration server through the network means based on the user interface.

When the information registration terminal includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network according to an embodiment of the present invention, the interface providing unit is a browser program provided in the information registration terminal. And / or generate (or extract) a predetermined user interface that can be provided to the communication program, and provide the generated (or extracted) user interface to the information registration terminal through the interface unit.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automatic device connected to a predetermined financial network, the interface providing unit may provide a predetermined user interface that can be provided by a financial transaction related program included in the financial automatic device. It is preferable to generate (or extract) and provide the generated (or extracted) user interface to the financial automatic device through the interface unit.

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

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit may be provided to the call terminal (not shown). It is preferable to generate (or extract) a user interface and provide the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit.

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

The information receiving unit may include the general manager information (eg, name and ID), at least one or more final approver information, at least one or more verifiable information, and at least one or more general user information and final approval through the user interface at the information registration terminal. Entering (or selecting) settlement line registration information including settlement line classification information divided into AND verification, OR verification, draft draft, etc., and transmitting the registration line registration information in conjunction with the interface unit. And receiving the payment line registration information to the information storage unit.

When the payment line registration information is received through the information receiving unit, the information storage unit stores the newly registered payment line information in the storage medium through the received payment line registration information.

According to an embodiment of the present invention, when the storage medium is provided in the information registration server or on a network associated with the information registration server, the information storage unit may include the general manager information (eg, name, ID), New through the registration line properties, including at least one or more end approver information, at least one or more verifiable information, and at least one or more general user information, and settlement line segmentation information divided into final approval, AND verification, OR verification, draft draft, etc. Preferably, the payment line information is stored in the storage medium. When the storage medium is provided in a DBMS provided on a financial system, the information storage unit provides the payment line information to an information system through an external system on the financial system. It is desirable to change or update and store in the DBMS provided on the financial system.

In more detail, FIG. 4 shows a case in which the corporate financial services general manager in the case where the information registration server on the information registration system shown in FIG. 3 has a web server function accessible to an information registration terminal through a predetermined network means. In order to register the new payment line information according to the present invention by accessing the information registration server through the information registration terminal, general manager information (eg, name, ID), at least one final approver information, and at least one verifiable information. And connecting a communication channel for registration of payment line registration information including at least one general user information and payment line classification information divided into final approval, AND verification, OR verification, draft notification, and the like. When the payment line registration information is transmitted to the information registration server, the reception at the information registration server. A method for storing new settlement line information in a predetermined storage medium through the settlement line registration information, and a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the present invention. Various implementation methods for storing and registering the payment line registration information from the information registration terminal to the information registration server may be inferred, but the present invention includes all the implementation methods inferred, and is illustrated in FIG. It is not limited to the method.

Referring to FIG. 4, when the information registration terminal used by the general manager who manages or operates the corporate financial service provided by the financial institution illustrated in FIG. 3 is a predetermined network means (eg, the information registration terminal is a wired terminal). , The TCP / IP based wired communication network, when the information registration terminal is a wireless terminal, the CDMA based mobile communication network, and / or the IEEE 802.16x based portable Internet, etc.) to access the information registration server according to the general manager according to the present invention. Information (eg, name, ID), at least one or more final approver information, at least one or more verifiable information, and at least one or more general user information and settlement line classification information divided into final approval, AND verification, OR verification, draft registration, etc. Enterprise gold provided by the financial institution by connecting a predetermined communication channel for registering the settlement line registration information, including The general manager who manages and operates the service includes the general manager information (eg, name and ID), at least one or more final approver information, at least one or more verifiable information, and at least one or more general user information and final approval, AND verification and OR verification. When requesting registration of the registration line registration information including the classification line classification information, which is divided into draft drafts and the like (400), the information registration server includes the general manager information (eg, name, ID), at least one final approver information, A predetermined information registration interface for registering the registration line registration information including at least one or more verifiable information and at least one general user information and settlement line classification information divided into final approval, AND verification, OR verification, draft update, etc. Generate (or extract) a corresponding web page (405), and generate (or extract) through the communication channel The web page corresponding to the extracted information registration interface is transmitted and output to the information registration terminal (410).

According to an embodiment of the present invention, the information registration interface may include the general manager information (eg, name and ID), at least one final approver information, at least one verifiable information, and at least one general user information at the information registration terminal. And a user interface for inputting (or selecting) settlement line registration information including settlement line classification information classified into final approval, AND confirmation, OR confirmation, drafting and the like.

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

In addition, although not shown in FIG. 4, the information registration request process is performed to the information registration server through the information registration terminal in order to register the at least one sub manager setting (or change) (for example, permission modification, etc.) information. It is preferable to include the process of performing authentication for the general manager connected.

For example, the general manager certification process may include registering general manager information and at least one sub-manager information on a corporate financial service provided by the financial institution through the information registration system of FIG. 1, or the financial institution. In the process of applying for a corporate financial service provided by the provider, it is preferable to use an ID / PW and / or an accredited certificate provided by the financial institution.

Thereafter, the information registration terminal, through the information registration interface, the redundant administrator information (eg, name, ID), at least one or more final approver information, at least one or more verifiable information and at least one general user information and final approval, AND The settlement line registration information including the settlement line division information divided into the identification, the OR identification, the drafting body, and the like is input (or selected) (415).

If the information registration terminal receives (or selects) the at least one sub manager setting (or change) (for example, permission modification, etc.) information through the information registration interface (420), the information registration terminal is connected to the communication channel. The input (or selection) of the at least one sub-manager setting (or change) (for example, authority modification, etc.) information is transmitted to the information registration server (425).

Thereafter, the information registration server transmits the general manager information (eg, name, ID), at least one or more final approver information, at least one or more verifiable information, and at least one or more general user information and final approval and AND confirmation through the communication channel. Receive and read the settlement line registration information including the settlement line classification information divided into OR confirmation, draft draft, etc. (430), the general manager information (eg, name, ID), at least one final approver information, at least Recognizing the newly registered approval line information in accordance with the registration line registration information including at least one verifiable information and at least one general user information and the approval line classification information divided into final approval, AND verification, OR verification, draft draft, etc. Store (435), and generate (or extract) a web page including the payment line information registration details; And it transmits it to the information registering terminal 440.

More specifically, FIG. 5 illustrates general manager information (eg, name, ID), at least one final approver information, at least one verifiable information, and at least one general user information through the information registration system shown in FIG. And settlement line information including settlement line classification information divided into final approval, AND confirmation, OR confirmation, draft draft, and the like, stored in the storage medium, and then the payment stored in the storage medium on a corporate financial service provided by the financial institution. As an example of a management line management screen according to line information, a person having ordinary knowledge in the art to which the present invention pertains refers to and / or modifies the drawing line 5 to perform the management of the settlement line according to the information on the settlement line information. It is possible to infer a variety of screen example management line management, but the present invention includes all the implementation methods inferred. And it should not be limited to the exemplary method shown in the figure 5.

In FIG. 5, the general manager (Kim Shin-han, CYBER001) has two final approvers (CHO Park, CB001201, CB001202) and one person who can confirm through the information registration system shown in FIG. , CB001203) and one general user (jeong bank, CB001205) after registering the registration line information, and manages the settlement line information, the approval is the end user, the final approval, the general manager in order It is preferable that it consists of.

In addition, the settlement line can be divided into final approval, AND confirmation, OR confirmation, draft renewal, etc., the final approval can be called after the final approval, bank transaction professional, AND confirmation is the confirmation of all multiple confirmation of two or more Approval is required, and only one of the two or more confirmed shares of OR confirmation is required for approval.

6 is an information registration system for a general manager who operates and manages a predetermined non-face-to-face corporate financial service provided by a financial institution through a non-face-to-face channel according to an embodiment of the present invention to register a user ID for a single transaction. Figure is a diagram.

More specifically, FIG. 6 is a general manager for operating and managing a predetermined non-face-to-face corporate financial service (eg, corporate integrated account management, etc.) provided by the financial institution through the information registration system shown in FIG. 1. After the information and at least one sub-manager information is registered, receiving a single transaction user ID registration information for registering a user ID for a single transaction from the general manager, and stores the provided single transaction user ID in the storage medium As for the configuration, if the person having ordinary knowledge in the technical field to which the present invention pertains, the single trade user ID registration information is provided from the general manager by referring to and / or modifying the drawing 6, and the single trade user ID information. Can be inferred from various implementation methods for the system configuration for storing the The present invention includes all the implementation methods inferred, and is not limited to the implementation method shown in FIG.

Hereinafter, the single transaction user ID registration information for the user ID registration for the single transaction is received from the general manager through a predetermined information registration interface on the information registration system shown in FIG. 6, and the single transaction user ID information is stored. Components corresponding to at least one or more means and / or functional configurations required for storage on a medium are referred to as " information registration server " for convenience, and according to another embodiment of the present invention, the information registration server is a company shown below. In connection with the financial service management server, or it may be included in the corporate financial service management server as a predetermined function configuration means or function configuration unit.

Referring to FIG. 6 according to an embodiment of the present invention, receiving a single transaction user ID registration information for registering a user ID for a single transaction from a general manager, and storing the single transaction user ID information in the storage medium. The information registration system is characterized in that it comprises an information registration terminal including at least one or more wired terminal and / or wireless terminal used by the general manager, the information registration terminal is the information registration via a predetermined network means The communication channel is connected to the information registration server provided on the system.

According to the method of the present invention, the single transaction user ID registration information is characterized in that it comprises the user ID / PW information used in the party / other party single transaction on the corporate financial service.

According to an embodiment of the present invention, the general manager is at least one of a wired terminal connected to a predetermined wired network and / or a wireless terminal connected to a predetermined wireless communication network for registering a user ID for a single transaction according to the present invention. The single transaction user ID registration information for accessing the information registration server through an information registration terminal comprising a; and registering the user ID for the single transaction according to the present invention through at least one user interface provided by the information registration server. When inputting (or selecting), it is preferable to transmit from the information registration terminal to an information registration server provided on the information registration system through a predetermined network means.

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 is preferable to include at least one or more wireless data communication terminal connected to the data communication network.

Further, the information registration terminal outputs at least one or more user interfaces provided by the information registration server, and inputs and / or selects at least one or more information through the user interface and transmits the information to the information registration server. For example, it is preferable that a browser program and a communication function or a predetermined communication program and a communication function to communicate with the information registration server are provided.

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

In the information registration system as described above, at least one wired network and / or wireless network connecting the information registration server and the information registration terminal including at least one wired terminal and / or wireless terminal used by the general manager is the The general manager performs a function of an information registration interface for registering a single transaction user ID registration information for registering a user ID for the single transaction according to the present invention.

In the information registration system as described above, when the information registration terminal is the financial automatic device (not shown), the financial automatic device (not shown) and the financial automatic device (not shown) connect the information registration server. The financial network performs the function of the information registration interface for registration of the user ID for a single transaction in accordance with the present invention, and / or when the information registration terminal is the call terminal (not shown), the call terminal (Not shown) and the wired telephone network and / or wireless telephone network connecting the call terminal (not shown) and the information registration server function as an information registration interface for the general manager to register a user ID for a single transaction according to the present invention. And / or when the information registration terminal is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, The network connecting the terminal (and / or server) (not shown) and the terminal (and / or server) (not shown) and the information registration server may allow the general manager to register a user ID for a single transaction according to the present invention. It performs the function of the information registration interface.

The storage medium provided on the information registration system according to the present invention is characterized in that the single transaction user ID registration information for registering the user ID for the single transaction provided from the information registration terminal is stored.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the information registration system (or associated with the information registration system), wherein the storage medium is the It may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

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

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the information registration server is provided on the TV banking system. A predetermined TV banking server, and / or a program provided in the TV banking server, and / or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or A program provided in a server (or device), and / or a server (or device) provided in the external world on the financial system accessible through the TV banking server (and / or the server (or device)), and / Or may be a program provided in the external world on the financial system, whereby the present invention is not limited.

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

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

Referring to FIG. 6, when the predetermined information registration terminal accesses the information registration server through the interface unit, the information registration server inputs the exclusive transaction user ID registration information from the information registration terminal in association with the interface unit. (Or select) an interface providing unit for generating (or extracting) a predetermined user interface to be transmitted to the information registration terminal, and inputting the user through the user interface at the information registration terminal in association with the interface unit. And an information receiving unit for receiving the single transaction user ID registration information to be transmitted) and an information storage unit storing the single transaction user ID information on a predetermined storage medium through the received single transaction user ID registration information. It features.

When the predetermined information registration terminal accesses the information registration server through the interface unit, the interface providing unit inputs (or selects) the single transaction user ID registration information corresponding to the function configuration provided in the information registration terminal to the network. Generate a predetermined user interface which can be transmitted to the information registration server by means, and / or extract from a predetermined database (not shown), and link the generated (or extracted) user interface with the interface unit It is characterized by providing to the information registration terminal via a network means.

Thereafter, the information registration terminal transmits the single transaction user ID registration information to the information registration server through the network means based on the user interface.

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

The information receiver inputs (or selects) the single transaction user ID registration information through the user interface from the information registration terminal and transmits the single transaction user ID registration information in association with the interface unit. And receiving the single transaction user ID registration information to the information storage unit.

When the single transaction user ID registration information is received through the information receiving unit, the information storage unit stores single transaction user ID information on the storage medium through the received single transaction user ID registration information.

According to an embodiment of the present invention, when the storage medium is provided in the information registration server or on a network associated with the information registration server, the information storage unit stores the single transaction user ID information in the storage medium. Preferably, when the storage medium is provided in the DBMS provided on the financial system, the information storage unit provides the payment line information to the information system through the external system on the financial system to the DBMS provided on the financial system. It is desirable to save changes or updates.

In more detail, in FIG. 7, when the information registration server on the information registration system shown in FIG. 6 has a web server function to which an information registration terminal can be connected through a predetermined network means, A communication channel for providing a single transaction user ID registration information for accessing the information registration server through the information registration terminal and registering a single transaction user ID information for performing a party / other party exclusive transaction in addition to an existing settlement line according to the present invention. After the connection is transmitted, if the single transaction user ID registration information is transmitted to the information registration server through the communication channel, the single transaction user ID information based on the received single transaction user ID registration information from the information registration server. The present invention relates to a method for storing a storage medium in a predetermined storage medium, to which the present invention pertains. Those skilled in the art will be able to infer various implementation methods for storing and registering the single transaction user ID registration information from the information registration terminal to the information registration server by referring to and / or modifying the drawing. The present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Referring to FIG. 7, when the information registration terminal used by the general manager who manages or operates the corporate financial service provided by the financial institution illustrated in FIG. 6 is a predetermined network means (eg, the information registration terminal is a wired terminal). , A TCP / IP based wired communication network, when the information registration terminal is a wireless terminal, a CDMA based mobile communication network, and / or an IEEE 802.16x based portable Internet, etc.), and accesses the information registration server according to the present invention. In addition, when a single transaction user ID information registration request is possible (700), the information registration server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the single transaction user ID information ( 705) a web page corresponding to the generated information registration interface (or extracted) through the communication channel to the information registration terminal; Transmit and output (710).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) the single transaction user ID information in the information registration terminal.

In addition, although not shown in FIG. 7, the information registration request process performs authentication of the general manager connected to the information registration server through the information registration terminal to register the at least one single transaction user ID information. It is preferable to include a process to.

For example, the general manager certification process may include registering general manager information on a corporate financial service provided by the financial institution through the information registration system of FIG. 1 or applying for a corporate financial service provided by the financial institution. In the process, the authentication using the ID / PW and / or accredited certificate granted from the financial institution is preferred.

Subsequently, the information registration terminal inputs (or selects) the single transaction user ID information capable of party / other party single transaction besides the existing payment line through the information registration interface (715).

If the single transaction user ID information is input (or selected) at the information registration terminal (720), the information registration terminal registers the single transaction user ID information input (or selected) through the communication channel. Send to server (725).

Thereafter, the information registration server receives and reads the single transaction user ID information through the communication channel (730), stores the single transaction user ID information in the storage medium (735), and the single transaction user ID information. A web page including a registration history is generated (or extracted) and transmitted to the information registration terminal (740).

8 illustrates a system configuration for managing and operating a predetermined corporate financial service provided by a financial institution through a non-face-to-face channel according to another method of the present invention.

In more detail, FIG. 8 illustrates a predetermined corporate financial service (eg, integrated account management service, money management service, bill management service, payment management service, corporation) provided to the financial institution through the information registration system shown in FIG. The general manager of the card management service, the foreign exchange management service, the user environment management service, and the like, at least one sub-manager information (e.g., information including individual manager personal information and authority information) and at least one user information are registered. (After the general manager registration, the sub-manager and the user can be registered by the general manager), the general manager or the at least one sub-manager or terminal used by the at least one user for the corporate financial services TCP Network based on / IP (Transmission Control Protocol / Internet Protocol) A general manager connected to the corporate financial service management server and the corporate banking service management server and the Internet banking server operated by the financial institution and the communication channel for the corporate financial service, respectively. Or check the corporate financial service management and operation authority information of at least one sub administrator or at least one user, and manage and operate the corporate financial service corresponding to the identified general manager (or sub administrator or user) authority. An implementation method for a corporate financial services management system, wherein the corporate financial services management system includes at least one terminal (eg, a general manager terminal and a sub-manager terminal and a user terminal) having a web browser and the at least one. Requested from more than one terminal In the process of providing a corporate financial service (eg, integrated account management service, money management service, bill management service, payment management service, corporate card management service, foreign exchange management service, user environment management service, etc.) to the terminal, A corporate financial services management server for checking the authority information of the general manager or sub-manager or the user so that the corporate financial service corresponding to the identified general manager or sub-manager or the user authority information can be managed and operated; It is characterized in that it comprises an Internet banking server to perform a predetermined financial transaction (for example, banking business, etc.) requested by the general manager or sub-manager for the corporate financial services in conjunction with the service management server.

According to the implementation method of the present invention, the general manager may subscribe to the Internet banking for the sole purpose of overseeing the corporate financial services provided to the financial institution according to the present invention (for example, both party / other party, It is possible to create and manage sub-managers and their own user IDs for financial services, authorize the sub-managers and users, manage payment structures between the sub-managers and users, and It is not required to log in using a certificate at the time of access or login, and after the access or login, inquiries or final approval transactions of each sub-administrator and user can access the financial system with a certificate and execute inquiry and transactions. Collective approval for CIF is possible).

The sub manager may be registered or authorized by the general manager. The sub manager may access the corporate financial services management server through an ID / PW granted by the general manager, and may be assigned to the authority granted by the general manager. Manage and operate the corresponding corporate financial services. Herein, the corporate financial service managed and operated by the sub manager is limited to an item (or a menu) and the like authorized by the general manager.

The user may be registered (or authorized in some cases) by the general manager, and access the corporate financial service management server through an ID / PW granted by the general manager to access the corporate financial service. I use it. Herein, the corporate financial service used by the user is limited to an item (or a menu) or the like authorized by the general manager.

Management system configuration between the general manager accessing or logging into the corporate financial service management server, and the sub-manager and user registered and authorized by the general manager is described in more detail through the management system configuration example shown in FIG. It will be described.

In addition, the authority information of the general manager who accesses or logs in to the corporate financial service management server, and the sub-administrator information and the user right information registered and authorized by the general manager are examples of the authority information shown in FIG. It will be described in more detail through.

According to the implementation method of the present invention, the corporate financial service management server registers at least one or more sub-managers and / or at least one or more users in response to a request of the general manager connected to the corporate financial service management server, or In order to set or change the authority for the at least one or more sub-managers (and / or at least one or more users), and in conjunction with an internet banking server on the financial system via a predetermined network means, at least one or more corporate financial services ( For example, integrated account management services, money management services, bill management services, payment management services, corporate card management services, foreign exchange management services, etc.), and manages and operates the corporate financial services connected to the corporate financial services management server. Managers (e.g., general manager or write At least one sub-manager information and at least one sub-manager information for managing and operating the corporate financial service in order to check the authority information of at least one sub-manager) and to manage and operate the corporate financial service corresponding to the identified authority information; Either having a storage medium for storing respective authority information, or associated with the storage medium operating means.

Those skilled in the art to which the present invention pertains can easily guess components omitted for convenience because they do not include the core technical matters of the present invention in the corporate financial service management system shown in FIG. However, the present invention is not limited to the components omitted.

For example, FIG. 8 illustrates a predetermined browser program (eg, the Internet of Microsoft Corporation) provided in at least one terminal (for example, a general manager terminal and a sub manager terminal and a user terminal) connected to the corporate financial service management server. The corporate financial services (eg, including a general manager terminal and a sub-administrator terminal and a user terminal) to access or log in to the corporate financial services management server based on the Internet Explorer and / or Netscape Navigator's Netscape Navigator, etc. In the process of providing integrated account management service, money management service, bill management service, payment management service, corporate card management service, foreign exchange management service, user environment management service, etc. In response to the information, Although an implementation method for a corporate financial service management system for managing and operating is illustrated, those skilled in the art may refer to and / or modify the corporate financial service management system illustrated in FIG. 8. In this regard, various implementation methods for various corporate financial services management system configurations for managing and operating the corporate financial services can be inferred in response to the authority information of the connected general manager, sub-manager and user. It includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, those skilled in the art to which the present invention pertains, in addition to the corporate financial service management system shown in FIG. It will be possible to infer a corporate financial service management system using a predetermined banking service, such as telebanking and / or wireless banking and / or TV banking for non-face-to-face channel-based financial transactions in accordance with the present invention, in Figure 8 the TCP A corporate financial service management system interworking with the Internet banking server based on a predetermined browser program (e.g., Microsoft's Internet Explorer and / or Netscape's Netscape Navigator, etc.) will be described. The technical configuration of the invention is limited to the case shown in FIG. The stated never not.

The terminal (for example, the general manager terminal, the sub-manager terminal, and the user terminal) may access or log in to the enterprise financial service management server based on the wired communication function based on TCP / IP and the wired communication function, and then browse the wired based on the browsing. And a wired terminal including at least one of a desktop computer and / or a notebook having at least one web browser for receiving a web service (eg, a corporate financial service). The corporate financial service management server and the Internet banking server connect a communication channel for managing and operating the corporate financial service (eg, a banking task) through a predetermined network means including the TCP / IP based Internet. It is characterized by.

The financial system opens at least one financial account to at least one corporate customer (or individual customer), processes a financial transaction based on the financial account, and provides a predetermined corporate financial service according to the method of the present invention. For example, an integrated account management service, money management service, bill management service, payment management service, corporate card management service, foreign exchange management service, user environment management service, etc. A system comprising: an accounting system for processing a windowing service such as credit or reception or trust or foreign exchange occurring in at least one branch office, an information system for processing a headquarters business, a branch office information support, and a customer information management; Access to external computer networks including homes, businesses, retailers and credit card companies External systems providing various electronic financial services (e.g., Internet banking, phone banking, Cash Dispenser) / Automatic Teller Machine (ATM), line transfers, call centers, financial settlements, etc., and interfacing between components within 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, at least one of foreign exchange module (not shown), investment finance module (not shown), international module (not shown), etc. It is possible to further include the component, and those of ordinary skill in the art to which the present invention pertains, since the technical details of the financial system will be clearly understood, the detailed description thereof will be omitted for convenience, Thereby, the present invention is not limited.

The internet banking server interworking with the corporate financial service management server interworks with the financial system through the external system, and the external system includes a component for interworking with the internet banking server through a predetermined interface means. It is preferable to make it.

In general, 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 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 or more customer terminals accessing the internet banking server.

According to an embodiment of the present invention, the Internet banking server is connected to the corporate financial service management server through a predetermined network means (for example, TCP / IP based Internet, etc.) to connect to the corporate financial service management server or Characterized in that the administrator (eg, general manager or at least one sub-manager) logged in to perform a predetermined corporate financial service management task.

To this end, the information for the corporate financial service management tasks (for example, information for Internet banking, etc.) provided in the Internet banking server is at least one manager (eg, general manager or at least one sub-manager) terminal of the enterprise After connecting to the financial service management server and logging in, and connecting a predetermined communication session between the corporate financial service management server and the Internet banking server by a predetermined financial transaction request from the terminal, the manager (eg, general manager or at least one sub) Manager) authenticates the manager corresponding to the terminal, and / or authenticates the financial transaction manager when the manager requests at least one financial transaction through the Internet banking server, and / or the manager (eg, general manager or at least) One or more sub-managers When a predetermined financial transaction request is made from a corporate financial service management server, it includes banking element information for processing a financial transaction corresponding to the financial transaction request in association with the financial system, and is required for internet banking according to the intention of a person skilled in the art. At least one or more information may be further included, but this is omitted for convenience in FIG. 8.

Referring to FIG. 8, the Internet banking server includes a predetermined Internet banking service (or Internet banking) requested by at least one manager (eg, general manager or at least one sub manager) through the corporate financial service management server. A web interface unit for connecting and managing a Hyper-Text Transfer Protocol (HTTP) based communication channel for providing an additional service, and the manager (eg, a general manager or at least one sub server) transmitted from the corporate financial services management server. Ledger information (e.g., corporate) corresponding to the corporate customer by interworking with the financial system through the interface means based on connection or login information (or customer authentication information) of the manager) or corporate information provided with the corporate financial service management server. Ledger processing unit to check customer transaction details, etc. And a predetermined corporate financial service (eg, an Internet banking service) requested by at least one or more managers (eg, a general manager or at least one sub-manager) in conjunction with the corporate financial service management server by the function configuration. (And / or certain additional services), etc., communication channels and user interfaces are implemented.

In addition, the Internet banking server, a web page operation unit for operating a web page to be provided to at least one or more of the customer terminal in conjunction with the web interface, DBMS, at least one or more in conjunction with the web page operation unit DBMS provided in the Internet banking server in conjunction with the UI processing unit and the UI processing unit for generating a user interface (UI) screen for providing a predetermined Internet banking service (and / or predetermined additional service) to the customer terminal The mobile terminal may further include a content operation unit configured to extract predetermined content for providing the Internet banking service from the terminal, or receive predetermined content to be stored in the DBMS from the customer terminal.

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 through a UI processing unit based on the customer authentication information of the Internet banking information, or based on the interface screen It may be configured to further include a customer authentication unit for receiving at least one or more customer authentication information.

According to the implementation method of the present invention, the customer authentication unit, authentication information provided from the corporate financial services management server connected through the network means (for example, the administrator (for example, a general manager who accesses or logs in to the corporate financial services management server) Or at least one sub-administrator).

In addition, the Internet banking server provides a financial transaction-related interface screen to at least one customer terminal in conjunction with the web page operation unit through a UI processing unit based on the banking element information of the Internet banking information, or based on the interface screen The banking processing unit may be further configured to receive at least one financial transaction related information.

In addition, the Internet banking server is associated with a financial system through a predetermined interface means corresponding to a predetermined financial transaction requested through the corporate financial service management server from the manager (for example, general manager or at least one sub-manager) It may be configured to further include a ledger processing unit for performing a ledger processing procedure, the ledger processing unit is preferably connected to the external world of the financial system through the interface means.

The customer authentication information provided in the internet banking server or stored in the DBMS linked with the internet banking server may be mapped to an authorized certificate (or a predetermined customer terminal) corresponding to the administrator information logged in to the corporate financial service management server. Certificate authority information (eg, KFTC) and certificate server information, and / or the certificate authority registration authority information (eg, when the certificate is registered through the company) , The other information when the official certificate is registered through the other line, and / or the certificate information issued to the customer by the certification authority, wherein the customer authentication unit authenticates the certification body. Request a certificate-based customer certification through a certificate registered by the registrar to the server And receiving the customer authentication result from the authentication server or the official certificate registrar information (for example, the official information when the official certificate is registered through the company, the other information when the official certificate is registered through the other row, etc.) With reference to, it is possible to authenticate the administrator (eg, general manager or at least one sub-manager) connected to or logged in to the corporate financial service management server.

According to another exemplary embodiment, the customer authentication information stored in the DBMS includes ID / PW information and a customer corresponding to an administrator (or a customer connected through a predetermined customer terminal) connected to or logged in to the corporate financial service management server. Preferably, the member authentication information includes at least one piece of information (eg, name (or name), social security number (or corporate registration number, business registration number), address, contact information, etc.), wherein the customer authentication unit includes Receives the administrator ID / PW information transmitted from a corporate financial services server, compares the received administrator ID / PW information and ID / PW information included in the member information to access (or connected) the Internet banking server Authenticate an administrator or request ID / PW information of the customer to the client terminal in conjunction with the UI processing unit, and send to the client terminal Received the ID / PW information, it is possible to compare the ID / PW information included in the received ID / PW information and the member information to authenticate the client connected to the Internet banking server.

Preferably, the ID / PW information may be provided to the Internet banking server according to a conventional ID / PW transmission / reception procedure. However, the ID / PW information may be provided to the corporate financial service management server or a customer to provide more advanced security functions. Preferably, the terminal is encrypted and received through at least one or more of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. To this end, the customer authentication unit may further comprise a functional configuration for decrypting the ID / PW information.

In addition, the customer authentication unit provides the communication session information and the certificate information connected to the corporate financial service management server or the customer terminal to the authentication server (not shown) of the certification authority, the authentication server is the communication session information As a result, after performing a customer authentication procedure corresponding to the certificate information to the corporate financial service management server or the customer terminal, the result may be provided to the customer authentication unit.

In addition, the customer authentication information stored in the DBMS is made, including a copy of the official certificate of the administrator or customer accessing the Internet banking server through the corporate financial services management server or customer terminal, and / or predetermined to the administrator or customer It is preferable to include the directory connection information of the certification authority that issued the certificate of certification, wherein the customer certification unit in conjunction with the certificate server of the certification authority that issued a predetermined certificate to the manager or the customer the corporate financial services Requesting certificate-based customer information from a management server or a customer terminal, receiving the certificate-based customer information from the corporate financial services management server or a customer terminal, and copying the certificate-based customer information to the certified certificate and / or a directory of a certification authority. By authenticating through Li can authenticate (e.g., general manager or at least one sub-administrator) or client.

Preferably, the certificate-based customer information may be a predetermined random number generated by the customer authentication unit, or a predetermined random number generated by the customer terminal, in which case the corporate financial service management server or the customer terminal is the official certificate Encrypting the random number through at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method Provided to the authenticator (eg, the random number is further provided in plain text when the random number is generated in the corporate financial services management server or the customer terminal), and the copy of the official certificate of the manager or the customer in the client authenticator and / or Encryption based on the certificate information of the administrator or customer extracted from the directory By comparing each other by decrypting random numbers, and / or by encrypting and comparing the random numbers of the plain text type (eg, random numbers generated by the customer authentication unit and / or random numbers generated by an enterprise financial service management server or a customer terminal). In addition, the manager (eg, general manager or at least one sub manager) or a customer may be authenticated.

According to another exemplary embodiment of the present invention, the certificate-based customer information may be stored in the corporate financial service management server (or an administrator terminal connected to or logged in to the corporate financial service management server) or stored in the customer terminal (eg, the Internet). Information stored in a banking server in a storage device of the corporate financial service management server (or an administrator terminal connected to or logged in to a corporate financial service management server) or a customer terminal, and / or the corporate financial service management server (or corporate financial service) Information (or system information, etc.) previously stored in the client terminal connected to or logged in to the management server), and / or the manager terminal connected to or logged in to the corporate financial service management server (or the corporate financial service management server). ) Or low-frequency reading from an IC card (and / or IC chip) that interfaces with a customer terminal Information (eg, IC card (and / or IC chip) serial number, and / or information stored in the IC card (and / or IC chip) memory by the IC card (and / or IC chip) issuer) In this case, the corporate financial service management server (or an administrator terminal connected to or logged in to the corporate financial service management server) or a customer terminal may encrypt the stored information through the authentication certificate using 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 provide encryption to the customer authentication unit by at least one or more of the encryption method, wherein the customer authentication unit and a copy of the official certificate of the administrator or customer and / Or by decrypting the encrypted stored information based on the certificate information of the administrator or customer extracted from the directory to compare with each other, Li can authenticate (e.g., general manager or at least one sub-administrator) or client.

According to another exemplary embodiment of the present invention, the certificate-based customer information is input through the corporate financial service management server (or an administrator terminal connected to or logged in to the corporate financial service management server) or an input means provided in the customer terminal. Input information (e.g., information input through a key input device provided in the corporate financial service management server (or an administrator terminal connected to or logged in to the corporate financial service management server) or a customer terminal, and / or the corporate financial service management). Information input through an input device (for example, a short-range communication device) other than a key input device provided in a customer terminal or a server (or an administrator terminal connected to or logged in to a corporate financial service management server). Corporate Financial Services Management Server (or an administrator terminal connected to or logged in to the Corporate Financial Services Management Server) Or at least one of a symmetric key (or secret key) encryption method, a public key encryption method, and / or an electronic envelope encryption method, and / or a key exchange encryption method. Encrypt through the encryption method provided to the customer authentication unit, the customer authentication unit decrypts the encrypted input information based on the copy of the official certificate of the administrator or the customer and / or the public certificate information of the customer extracted from the directory By comparing with each other, the manager (eg, general manager or at least one sub-manager) or customer can be authenticated.

In addition, the customer authentication information stored in the DBMS to generate an OTP authentication code that matches the OTP code generated through the administrator (eg, general manager or at least one sub-manager) or a customer provided one time password (OTP) authenticator It is preferable that the OTP generation information is generated, wherein the customer authentication unit requests a predetermined OTP code from an administrator terminal connected to or logged in to the corporate financial services management server through the corporate financial services management server, The manager by receiving the OTP code through the corporate financial services management server, generates a predetermined OTP authentication code based on the OTP generation information, and compares the received OTP code and the generated OTP authentication code, Or a predetermined O to the customer terminal in conjunction with the UI processing unit. Requesting a TP code, receiving the OTP code from the customer terminal, generating a predetermined OTP authentication code based on the OTP generation information, and comparing the received OTP code with the generated OTP authentication code, You can authenticate the customer.

The OTP code is a symmetric key (or secret key) encryption scheme in the corporate financial service management server (or an administrator terminal connected to or logged in to the corporate financial service management server) or a customer terminal to provide a more advanced security function, and / Or public key encryption method, and / or electronic envelope encryption method, and / or key exchange encryption method is encrypted and received through at least one or more of the encryption method, for this purpose, the customer authentication unit for decrypting the OTP code It is preferable to further comprise a functional configuration.

When the banking processor requests at least one financial transaction from an administrator (eg, a general manager or at least one sub-manager) terminal connected to or logged in to the corporate financial service management server, the manager terminal is connected to the corporate financial service management server. Receiving the requested financial transaction information and login session information, and if the session information and the requested financial transaction information (parameters) are confirmed, the predetermined financial transaction information corresponding to the financial transaction request information with reference to the banking element information. Is generated (or extracted) and provided to the ledger processing unit.

For example, when a financial transaction requested from an administrator (eg, a general manager or at least one sub-manager) terminal connected to or logged in to the corporate financial service management server is a wire transfer transaction, the banking processor may be configured to transmit the financial transaction from the corporate financial service management server. After receiving the information (for example, withdrawal account number, withdrawal account password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) requested by the administrator along with the login session information, the session information And by checking the information required for the account transfer, the predetermined amount of the financial transaction information to withdraw the transfer amount from the withdrawal account to be deposited into the deposit account can be provided to the ledger processing unit.

The banking processor may be configured to provide a financial transaction request information input interface screen corresponding to the requested financial transaction to the client terminal when the at least one financial transaction is requested from the client terminal. 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. It generates (or extracts) to provide to the ledger processing unit.

For example, when the financial transaction requested from the customer terminal is a bank transfer transaction, the banking processing unit interworks with the UI processing unit to provide information required for the account transfer to the customer terminal (eg, withdrawal account number, withdrawal account password, deposit bank information). And a predetermined interface screen for inputting (or selecting) a deposit account number, a transfer amount information, a security code number, etc., and the information (eg, a withdrawal account number, withdrawal account) required for the account transfer through the interface screen. When a password, deposit bank information, deposit account number, transfer amount information, security code number, etc.) is input (or selected) and received, withdraw the transfer amount from the withdrawal account with reference to the banking element information to the deposit account. Generates predetermined financial transaction information for depositing and provides it to the ledger processing unit.

According to an embodiment of the present invention, the corporate financial services management server may include at least one manager (eg, a general manager or at least one sub-manager) connected to or logged in to the corporate financial services management server on the illustrated corporate financial services management system. It is required to authenticate one or more users, and to verify the authority information of the connected or logged-in administrator (eg, general manager or at least one sub-administrator) and the user, and to provide corporate financial services corresponding to the identified authority. A component corresponding to at least one or more means and / or functional configurations.

Referring to FIG. 8, the illustrated corporate financial services management server associates at least one or more sub-manager information or at least one or more user information provided from a general manager terminal with authority setting information of each of the sub-manager or user, and predetermined the predetermined value. An information storage unit for storing in a storage medium of the storage unit, an authentication unit for authenticating at least one sub-administrator or at least one user or a general manager who accesses or logs in to the corporate financial services management server through a predetermined terminal; When authentication of the connected general manager or at least one sub-manager or at least one user is completed, confirming information confirming the authority information corresponding to the connected general manager or at least one or more sub-managers or at least one or more users It is characterized by comprising a part.

The corporate financial service management server may further include a terminal (eg, a general manager terminal and a sub manager terminal and a user terminal) connected to the corporate financial service management server through a predetermined network means (for example, the Internet). It may be configured to further include an interface unit for connecting and managing a predetermined communication channel.

Here, when the terminal (for example, the general manager terminal and the sub-manager terminal and the user terminal) includes a wired terminal and / or a wireless terminal connected to a predetermined wired network and / or a wireless network, the interface unit is the wired A predetermined communication channel is connected with the terminal (eg, the general manager terminal and the sub-manager terminal and the user terminal) based on a protocol stack defined in a network and / or a wireless network, and the terminal (eg, the general manager terminal) And it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program (including a sub-manager terminal and a user terminal).

For example, when a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol is provided in the terminal (including the general manager terminal and the sub manager terminal and the user terminal), the interface unit is based on the TCP / IP protocol. Connects the communication channel with the terminal (e.g., the general manager terminal and the sub-manager terminal and the user terminal), and uses a HTPP protocol defined in the browser program to access a web page (e.g., Hyper-Text Markup Language (HTML)). Compatible web page) and / or communication interface for transmitting and receiving information.

Alternatively, when the terminal (eg, the general manager terminal, the sub-manager terminal and the user terminal) is provided with a communication program (eg, a corporate financial service program or an internet banking program) provided by the corporate financial service management server, The interface unit connects a communication channel with the terminal (eg, a general manager terminal, a sub manager terminal, and a user terminal) based on the TCP / IP protocol, and uses information (using a communication protocol defined in the communication program). Or data) provides a communication interface for transmission and reception.

According to another embodiment of the present invention, when the terminal (for example, the general manager terminal and the sub-manager terminal and the user terminal) includes a wireless terminal connected to a predetermined wireless network, the interface unit is connected to the wireless network. Connect a predetermined communication channel with the terminal (eg, the general manager terminal and the sub-manager terminal and the user terminal) based on the defined protocol stack, and connect the terminal (eg, the general manager terminal and the sub-manager terminal and the user terminal). It is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) by using a communication protocol defined in the communication program included in the).

For example, when the terminal (eg, the general manager terminal and the sub-manager terminal and the user terminal) is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit may Connect a communication channel with the terminal (eg, the general manager terminal and the sub-manager terminal and the user terminal) based on the CDMA protocol, and use a WAP / ME protocol defined in the browser program to use a web page (eg, WML ( Wireless Markup Language) web page, or HTML compatible web page) and / or communication interface for transmitting and receiving information.

The interface unit, HTTP (Hyper-Text Transfer Protocol) for providing a predetermined Internet banking service (or an Internet banking additional service, etc.) to at least one or more customer terminals connected to the corporate financial service management server in conjunction with the Internet banking server. ) To connect and manage based communication channels.

According to an exemplary embodiment of the present invention, the interface unit may use the security module InisafeWeb / XecureWeb to perform interworking with the current Internet banking server and HTTP-based E2E encrypted communication for security information inquiry and transaction. Linking with the scraping unit provided in the corporate financial service management server for inquiry and transaction, scraping the other Internet banking, and using the security module of each row during the scraping process to the other line interface unit for processing by HTTP E2E encrypted communication. Can be distinguished.

The corporate financial service management server may further include a service operating unit that provides a corporate financial service requested from a terminal (for example, a general manager terminal and a sub manager terminal and a user terminal) connected to the corporate financial service management server. Can be configured to

According to an embodiment of the present disclosure, the service operation unit may correspond to the confirmed authority information when the authority information corresponding to the connected general manager or at least one sub-manager or at least one user is confirmed through the information confirmation unit. It is characterized by providing a corporate financial service.

In addition, the corporate financial service management server, the web page for operating a web page to be provided to at least one or more of the terminal (for example, the general manager terminal and sub-manager terminal and the user terminal) connected to the corporate financial service management server A predetermined corporate financial service (and / or a predetermined supplementary service) to an operation unit (not shown separately) and to the terminal (including a general manager terminal and a sub manager terminal and a user terminal) in conjunction with the web page operation unit. It may be configured to further include a UI processing unit (not shown) for generating a user interface (UI) screen for providing a).

According to an embodiment of the present invention, the service operation unit may be provided in the corporate financial service management server in conjunction with the UI processing unit or the corporate financial service from a storage medium (or DBMS) interworking with the corporate financial service management server. Extract predetermined content (or data) for providing, or predetermined content (or data) to be stored in the storage medium (or DBMS) from the terminal (eg, including the general manager terminal and the sub-manager terminal and the user terminal). Can be received.

According to the method of the present invention, the corporate financial service management server, the sub-manager (or user) in the process of receiving a predetermined corporate value-added service through the service operation unit, in particular, if the additional service is a payment related service When the general manager (or sub-manager) or the user who is on the settlement line is absent, check the missed general manager (or sub-manager) or the user communication means information (for example, a mobile phone number), and confirm the communication means. An information transmission unit for generating and transmitting a message (eg, a text message) for requesting approval of the payment object (or agenda), and the transmitted from the absent general manager (or sub-manager) or user communication means. It may be configured to further include an information receiving unit for receiving a response to the message.

Thereafter, the service operation unit may perform the payment processing according to the response of the absent general manager (or sub-manager) or the user on the payment line received through the information receiving unit.

The information transmitting unit includes a callback UEL to the general manager (or sub-manager) or the user wireless terminal to obtain an agreement for the payment target (or agenda) from the absent general manager (or sub-manager) or the user. And the absent general manager (or sub-manager) or user can access the corporate financial services management server through the callback UEL included in the message, and agree to the payment target (or agenda). You can enter (or select) whether or not.

According to another exemplary embodiment of the present invention, the corporate financial service management server may urgently inquire or process (or items) the sub-manager (or user) in the course of receiving a predetermined enterprise additional service through the service operation unit. If there is no authority for), it may further include an information transmitter for generating and transmitting a message for requesting a predetermined temporary authority to the general manager wireless terminal, the message for requesting the temporary authority from the general manager wireless terminal When a response corresponding to (eg, granting temporary authority) is received, the service manager may grant the requested temporary authority to the sub-manager (or user).

For example, when the sub-manager (or user) urgently checks the specific account history held by the company, and the sub-manager (or user) does not have the authority to query the account history, the By checking the communication means information (for example, mobile phone number) of the general manager, it is possible to send a message requesting the authority to view the details of the account to the confirmed communication means, wherein the message includes a callback UEL, The general manager receiving the message accesses the corporate financial services management server and grants the sub-manager (or user) temporary authority for the account history inquiry.

Here, the temporary authority preferably has a limited authority period such as one time or one day.

9 is an exemplary diagram of a user management system divided into an administrator and a user who receive a corporate financial service according to an exemplary embodiment of the present invention.

More specifically, the drawing 9 is registered by the general manager and the general manager who are provided with the corporate financial service through the corporate financial service management system shown in FIG. 8, and at least that authority is set (or changed). As an embodiment of a user management system divided into one or more sub-administrators and at least one or more users, those of ordinary skill in the art to which the present invention pertains may refer to and / or modify the figure 9 and the general manager. And various implementation methods for a user management system divided into at least one or more sub-administrators and at least one or more users, but the present invention includes all implementation methods inferred from the above, and is illustrated in FIG. It is not limited to only.

Referring to FIG. 9, a general manager for managing and operating a corporate financial service provided by a financial institution in accordance with the present invention may access or log in to the corporate financial service management server illustrated in FIG. And register information about at least one user, and set (or change) rights for the at least one sub-manager and at least one user, and also vary according to the type of corporate customer that is provided with the corporate financial services. It is characterized by applying the management system.

According to the implementation method of the present invention, when a user management system is operated independently for each affiliate (for example, in case of a parent company A and an affiliate company B), the general manager registers parent company A information and affiliate company B information (1). The sub-managers of the parent company A and the sub-managers of the affiliated company B are registered respectively (2).

Subsequently, the sub-administrator of each company may register its online information (party / other party account information) (3), and after creating a user, may assign rights for registered accounts, tasks, etc. (4).

According to another embodiment of the present invention, when the parent company manages the subsidiary company (for example, parent company A, affiliate company B (subsidiary 1), affiliate company C (subsidiary 2), etc.), the general manager is the parent company A information and affiliate company B information. And subsidiary C information (1), and then register the parent company A, affiliate B, online information (party / other account information) of the affiliate company C (2).

Subsequently, the general manager may create a user and then assign rights for registered accounts, tasks, etc. for each user (3).

10 is an exemplary diagram of authority information according to a user system according to an embodiment of the present invention.

More specifically, FIG. 10 is an embodiment of authority information of a general manager, a sub-manager, and a general user when divided into an administrator (for example, a general manager and a sub-manager) and a user. Those skilled in the art will be able to infer various implementation methods for the authority information of the general manager, sub-administrator and general user by referring to and / or modifying the drawing 10, but the present invention is inferred from It includes all implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 10, the general manager may set up affiliate information, manage corporate financial services users (eg, new, revise, recall, PW management, etc.), register online / subscribe online information (eg, add, modify, delete, etc.), User authority setting (for example, user menu, task and account assignment, etc.), payment line registration, modification, deletion, user environment setting such as ERP, corporate financial services, etc. It has authority, and general users can have authority only for corporate financial service work.

11A and 11B are exemplary views of authority information according to a user scheme according to another exemplary embodiment of the present invention.

More specifically, FIGS. 11A and 11B illustrate the operation and management of predetermined non-face-to-face corporate financial services (eg, corporate integrated account management, etc.) provided by the financial institution through the information registration system shown in FIG. After the general manager information is registered, the at least one sub-manager setting (or change) (for example, authority) from the general manager operating and managing the corporate financial service through the corporate financial service management system shown in FIG. 3. As an embodiment of the administrator authority information stored in the storage medium by changing (eg, assigning authority, modifying, reducing, etc.) or updating the information of the sub-manager by receiving the information, the present invention belongs to the present invention. Those skilled in the art can refer to and / or modify the drawings 11a and 11b from the general manager for the at least Various implementation methods may be inferred for the authority information of the sub-administrator that has been changed or updated by receiving one or more sub-manager setting (or change) (eg, authority modification, etc.) information. A method is included, and the present invention is not limited to the implementation method shown in FIGS. 11A and 11B.

In particular, the Figures 11a and 11b are for registering at least two or more sub-managers in one company, the Figure 11a is a corporate financial service provided by the financial institution through the information registration system shown in Figure 1 FIG. 11B illustrates authority information of a general manager and at least one sub-manager managing and operating a system, and FIG. 11B is the at least one updated and updated by the general manager through the corporate financial service management system shown in FIG. The authority information of the above sub manager is shown.

11A and 11B, the sub-manager 1's management authority is abolished, the sub-manager 2's management authority is newly granted, and the details of B2B payment management for the “money transfer”, which is a detail item of the money management. For example, the sub-manager 2's authority is revoked and the sub-manager 1's authority has been revoked for the "information management" which is a sub-item of corporate card management.

According to an embodiment of the present invention, a general manager who manages and operates a corporate financial service provided by the financial institution may change the authority information for the at least one sub manager, and thus the division of labor and work area for each sub manager may be performed. It is possible to clarify and reduce system resource waste caused by duplicate inquiry requests for the same details.

12 illustrates a user authentication and transaction process according to an embodiment of the present invention.

More specifically, FIG. 12 illustrates authentication of an administrator (for example, a general manager terminal or a sub-manager) or a user who accesses a corporate financial service management server through a predetermined terminal on the corporate financial service management system shown in FIG. 8. After the authentication of the administrator (for example, the general manager terminal or sub-manager) or the user is completed, the corporate financial service management and operation requested by the administrator (for example, general manager terminal or sub-manager) or the user, or As an implementation method for a process in which a predetermined financial transaction is performed, a person of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 12 and the manager (eg, general manager terminal or sub manager). ) Or the management and operation of corporate financial services as requested by the user, or any financing Would be able to infer a variety of exemplary methods below is carried out, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 12.

Referring to FIG. 12, an administrator (for example, a general manager or a manager) may store a predetermined storage medium through the information registration system shown in FIGS. 1 and 3 and 6 and / or the corporate financial service management system shown in FIG. After the sub-administrator information and the user information are registered (1200), the terminal (e.g., including the general manager terminal and the sub-manager terminal and the user terminal) is connected to the corporate financial service management server, and login information (for example, ID / PW) to request login (1205), the corporate financial services management server compares the input login information with the login information stored in the storage medium, and accesses the connected manager (e.g., general manager or sub-manager). Or perform authentication for the user (1210).

If the login process is successfully performed (1215), the corporate financial services management server generates (or extracts) a web page including response information corresponding to the connected administrator (e.g., general manager or sub-manager) or user. And transmits to the access terminal (1220). If the client accesses the corporate financial service management server through the terminal (1225), the corporate financial service management server may transmit the corporate financial service management and Check whether there is an operation request (1230).

According to the embodiment of the present invention, when the manager is a general manager, it is possible to request management and operation of all items for the corporate financial services provided by the financial institution. When the manager is a sub manager, the general manager may It is possible to request management and operation of the corporate financial service within the authority to be granted.

If there is a corporate financial service management and operation request from the manager terminal (1235), the corporate financial service management server receives predetermined corporate financial service management and operation information from the manager terminal (1240), and the received enterprise Perform corporate financial services management and operational procedures in accordance with financial service management and operational information (1245).

The corporate financial service management server stores the corporate financial service management and operation details in the storage medium (1250).

Thereafter, when a logout request is received from the manager terminal (1255), the corporate financial service management server performs a logout processing operation on the accessed terminal (1260).

On the other hand, if the customer connected to the corporate financial service management server through the terminal is a general user, the corporate financial service management server checks whether there is a predetermined financial transaction service request from the connected user terminal (1265).

If there is a predetermined financial transaction service request from the user terminal (1270), the corporate financial service management server receives predetermined corporate financial transaction information from the user terminal (1275), and interoperates with the Internet banking server. After performing the requested financial transaction (1280), the financial transaction details are stored in the storage medium (1285).

According to an embodiment of the present invention, the corporate financial service management server acquires N online information (eg, current / other party account information) assigned to the user from the storage medium and performs N transactions with the Internet banking server. A request may be made and a response to N transaction requests may be received from the Internet banking server, and the received response may be provided to the user terminal.

According to an embodiment of the present invention, the corporate financial service management server does not manage session information as the user accepts N pieces of online information (e.g., party / other party account information). However, in the case of a transaction with continuity, the transaction can be completed while maintaining the session.

More specifically, FIGS. 13A and 13B illustrate authentication of a user accessing a corporate financial service management server through a predetermined terminal on the corporate financial service management system shown in FIG. 8, and authentication of the user. After this is completed, as an implementation method for the process of managing and operating a corporate financial service requested by the user or a predetermined financial transaction, a person having ordinary knowledge in the technical field to which the present invention pertains may have 13b may be deduced by referring to and / or modifying the corporate financial services management and operation requested by the user, or various implementation methods in which a predetermined financial transaction is performed, but the present invention includes all the implementation methods inferred. However, the present invention is not limited to the implementation method shown in FIGS. 13A and 13B.

In particular, FIG. 13A illustrates a case in which a financial transaction requested by a user connected to the enterprise financial service management server is a current transaction, and FIG. 13B illustrates a case in which a financial transaction requested by a user connected to the enterprise financial service management server is a second party transaction. It is about.

Referring to FIG. 13A, the illustrated embodiment may be started from a process of registering at least one or more user information for a corporate financial service on a predetermined storage medium (1300a), wherein the user information registration is performed by the general manager. It is preferable to carry out.

When a terminal (eg, a general manager terminal, a sub-manager terminal, and a user terminal) accesses the corporate financial service management server and requests login by inputting login information (eg, ID / PW) (1305a), the enterprise The financial service management server provides the current certificate mapped to the accessed user to the internet banking server (1310a), and the internet banking server authenticates the validity of the current certificate provided from the corporate financial service management server (1315a).

Here, if the validity of the current certificate is authenticated (1320a), the Internet banking server provides login session information to the corporate financial service management server (1325a).

When the corporate banking service management server receives a party transaction request from the connected terminal (1330a), the corporate financial service management server transmits the party business transaction request and glad login session information to the Internet banking server (1335a).

Then, after checking the transferred session information and the business transaction request, the Internet banking server performs the corresponding business (1340a), and provides the business transaction result to the corporate financial service management server (1345a).

Thereafter, the corporate financial service management server generates (or extracts) a web page including the business transaction result provided from the internet banking server and transmits the web page to the terminal, and the terminal includes the business transaction result. The web page is output (1350a).

On the other hand, if the validity of the current certificate provided from the corporate financial service management server is not authenticated in the Internet banking server (1320a), the Internet banking server transmits the validation failure history of the provided certificate to the corporate financial service management server. Providing (1355a), the corporate financial services management server generates (or extracts) a web page including the certificate validation authentication failure history and transmits it to the terminal, and the terminal includes the transmitted certificate validation authentication history. A web page is output (1360a).

Referring to FIG. 13B, the illustrated embodiment may be started from registering at least one or more user information for a corporate financial service on a predetermined storage medium (1300b), wherein the user information registration is performed by the general manager. It is preferable to carry out.

When a terminal (eg, a general manager terminal, a sub-manager terminal, and a user terminal) accesses the corporate financial service management server and requests login by inputting login information (eg, ID / PW) (1305b), the enterprise The financial service management server provides the current certificate mapped to the connected user to the internet banking server (1310b), and the internet banking server authenticates the validity of the current certificate provided from the corporate financial service management server (1315b).

If the validity of the current certificate is authenticated (1320b), the Internet banking server provides login session information to the corporate financial service management server (1325b).

When the other financial transaction request is received from the connected terminal (1330b), the corporate financial service management server provides the other banking certificate mapped to the user to the other internet banking server (1335b).

The corporate financial service management server makes a business transaction request with the parameter defined as the other internet banking server (1340b), and the other internet banking server performs the business transaction after confirming the parameter and the business transaction request. In operation 1345b, the business transaction result is provided to the corporate financial service management server (1350b).

Thereafter, the corporate financial service management server generates (or extracts) a web page including the business transaction result provided from the other internet banking server and transmits the web page to the terminal, and the terminal includes the business transaction result. A web page is output (1355b).

On the other hand, if the validity of the current certificate provided from the corporate financial services management server is not authenticated in the Internet banking server (1320b), the current Internet banking server records the failure to validate the validity of the provided certificate to the corporate financial services management server. (1360b), the corporate financial services management server generates (or extracts) a web page including the certificate validity authentication failure history and transmits it to the terminal, and the terminal transmits the certificate validity authentication failure history. Output a web page including the (1365b).

According to the present invention, the banking transaction settlement line information of the company is stored and managed in a predetermined storage medium, and the settlement information for the corporate banking transaction of the settlement creditor (receipt classification and commercial data) is received, the payment previously stored in the storage medium On the basis of the preliminary information, confirm the transaction approver information of the received commercial information, provide the commercial information to the confirmed transaction approver terminal, receive the approval data from the transaction approver, and send the approval data to the financial company server. By providing an apparatus for providing a corporate banking service to transmit, there is an advantage that the corporate banking task can be more conveniently and efficiently performed.

Claims

A storage unit configured to store and manage banking transaction settlement line information of a company in a predetermined storage medium;

Receiving unit for receiving the body information (the body classification and body data) for the business banking transaction of the payment merchant;

Authorization for confirming the transaction approver information of the received credit information based on previously set payment line information stored in the storage medium, providing the credit information to the confirmed transaction approver terminal, and receiving approval data from the transaction approver. Processing unit; And

And a transmission unit for transmitting the approval data to a financial institution server.

The method of claim 1,

An apparatus for providing a corporate banking service, further comprising a payment line management unit which provides a function of generating, changing, and deleting payment line information stored in the storage medium to the general manager when the corporate banking general manager is connected. .

The method of claim 1, wherein the approval processing unit,

In the absence of the transaction approver, the corporate banking service, characterized in that the check the wireless terminal information of the transaction approver, provides the identification information to the confirmed transaction approver wireless terminal, and receives the approval data from the transaction approver wireless terminal Provision device.

A recording medium which records a program for executing a function of the apparatus component of any one of claims 1 to 3.