KR20090001864A

KR20090001864A - Method and system for providing employees(or branches) remuneration by conversion general custom into private banking customer and program recording medium

Info

Publication number: KR20090001864A
Application number: KR1020070051901A
Authority: KR
Inventors: 구교영
Original assignee: 주식회사 신한은행
Priority date: 2007-05-29
Filing date: 2007-05-29
Publication date: 2009-01-09

Abstract

The present invention relates to a method and system for providing employee (or branch) compensation for private banking customer conversion and a program recording medium therefor. The method for providing employee (or branch) compensation for PB customer conversion according to the present invention includes a predetermined method. Checking at least one customer account information corresponding to a customer requesting a predetermined financial transaction in the information checking means, and confirming whether the financial transaction requesting customer can switch to a PB customer; When the transaction request customer is a customer capable of switching to the PB customer, the predetermined PB customer conversion application information provided by the customer is processed in association with the customer information and stored in a predetermined storage medium, and the predetermined profitability calculation Calculating a revenue generated from the customer after the conversion of the customer's PB customer by the means; Calculating a part (or all) of the calculated revenue in the ordinary revenue calculation means as the compensation revenue of the employee (or the sales office) before the PB customer conversion of the customer; and the calculated compensation revenue in the predetermined information storage means. And linking the information with the employee (or the branch) information before the PB customer conversion of the customer and storing the information in a predetermined storage medium.

Description

Method and System for Providing Employees (or Branches) Remuneration by Conversion General Custom into Private Banking Customer and Program Recording Medium}

1 is a diagram illustrating a face-to-face financial transaction system for a predetermined financial transaction provided by a financial institution according to an embodiment of the present invention.

2 is a diagram illustrating a process of processing a financial transaction for a predetermined financial transaction provided by a financial institution in a face-to-face manner according to an embodiment of the present invention.

3 is a diagram illustrating a PB center transfer information registration system in a face-to-face manner for registering approval information for transferring individual customers to a PB center according to one embodiment of the present invention.

4 is a diagram showing the configuration of PB center transfer information stored in the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for registration of approval information for transferring individual customers to the PB center in accordance with an embodiment of the present invention to be.

5 is a PB center transfer information stored in a database associated with the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner for registration of approval information for transferring individual customers to the PB center according to another embodiment of the present invention It is a figure which shows a structure.

FIG. 6 is a diagram illustrating a configuration of PB center transfer information stored in a DBMS provided in a banking server in a face-to-face manner for registering approval information for transferring individual customers to a PB center according to another exemplary embodiment of the present invention.

7A and 7B illustrate a process of registering PB center migration information in a face-to-face manner according to an exemplary embodiment of the present invention.

8A and 8B illustrate a process of registering PB center transfer information in a face-to-face manner according to another exemplary embodiment of the present invention.

9A and 9B illustrate a process of registering PB center transfer information in a face-to-face manner according to another exemplary embodiment of the present invention.

Figure 10 shows the system configuration for calculating the profitability of the PB customer service staff according to the embodiment of the present invention.

11 is a subscription account profitability information for PB customers, subscription non-account profitability information for PB customers, transaction profitability information for PB customers, and PB customers according to an embodiment of the present invention. The operation flow of the system for calculating PB customer profitability including at least one of new subscription account profitability information and new subscription non-account profitability information for PB customers is illustrated.

1000: Financial System 1005: Ledger D / B

1010: PB customer group profitability calculation server 1015: Storage media

1020: information receiving unit 1025: information extracting unit

1030: information verification unit 1035: profitability calculation unit

1040: profitability information storage unit 1045: compensation period confirmation unit

1050: employee compensation information calculation unit 1055: compensation information storage unit

The present invention is to determine whether at least one or more customer account information corresponding to a customer requesting a predetermined financial transaction in a predetermined information checking means, whether the financial transaction request customer can switch PB customer, and predetermined information If the financial transaction request customer in the registration means is a customer capable of switching to the PB customer, storing the predetermined PB customer conversion application information provided by the customer in association with the customer information and storing it in a predetermined storage medium; And calculating a profit generated from the customer after converting the customer's PB customer in a predetermined profitability calculation means, and converting a portion (or all) of the calculated profit in the predetermined reward profit calculation means into the PB customer of the customer. Calculating the compensation income of the employee (or branch) in charge of the transfer before the conversion; A method for providing employee (or branch) rewards for PB customer transitions, including the step of linking the revenue information with the employee (or branch office) information prior to the client's PB customer transition to a predetermined storage medium. will be.

Due to the rapid development of modern society, many people have accumulated a lot of wealth, and financial companies are providing various customer services to customers who have accumulated a lot of wealth.

However, employees of financial companies have a problem in that they accumulate a lot of wealth and provide customers with a lot of profits, and they are reluctant to transfer them to PB centers that provide specialized services.

The present invention for solving the above problems, by checking at least one or more customer account information corresponding to a customer requesting a predetermined financial transaction, information confirmation means for confirming whether the financial transaction request customer can switch PB customers; Information registration means for processing the predetermined PB customer conversion application information provided by the customer in connection with the customer information and storing the requested PB customer conversion information in a predetermined storage medium when the financial transaction requesting customer is a customer who can switch to the PB customer; After converting the customer's PB customer, profitability calculation means for calculating the profit generated from the customer, and a part (or all) of the calculated profit is compensated by the employee (or the sales office) before the customer's PB customer conversion Compensation Revenue Estimation Means Calculated as Revenue and the Compensation Revenue Information Calculated and Representative Employees (or Fences) Prior to PB Customer Conversion This branch office) provides an employee (or branch office) compensation providing system for the PB customer conversion, including information storage means for linking the information stored in a predetermined storage medium.

According to the present invention, a method for providing an employee (or branch) compensation for a PB customer conversion includes checking at least one or more customer account information corresponding to a customer requesting a predetermined financial transaction in a predetermined information checking means, thereby requesting the financial transaction. Checking whether the customer can switch to the PB customer; and if the financial transaction requesting customer is a customer who can switch to the PB customer in a predetermined information registration means, the predetermined PB customer conversion application information provided by the customer is provided. Storing in a predetermined storage medium by linking with the customer information, calculating a profit generated from the customer after converting the PB customer of the customer in a predetermined profitability calculation means, and in the predetermined compensation profit calculating means A portion (or all) of the calculated revenue is to be compensated by the employee (or branch) in charge of the customer prior to the customer's PB conversion. Calculating and storing the information on the rewarded revenue information and the employee (or branch) in charge of the customer prior to the PB customer conversion in a predetermined information storage means and storing the calculated reward revenue information in a predetermined storage medium. It features.

Computing the PB customer of the customer in a predetermined profitability calculation means for the method of providing employee (or branch) compensation for the PB customer conversion according to the present invention, calculating the revenue generated from the customer, the PB of the customer Confirming financial transaction details information including at least one or more financial product (or account) subscription records, subscription amounts, subscription periods, transaction amounts, and number of transactions of the customer during a predetermined financial transaction period; and And calculating the revenue generated through the customer with reference to the identified financial transaction history information of the customer.

On the other hand, it characterized in that it comprises a computer-readable recording medium recording a program for executing the above-mentioned employee (or branch) compensation providing method for the PB customer conversion.

On the other hand, the employee (or branch) compensation providing system for PB customer conversion according to the present invention, by identifying at least one or more customer account information corresponding to the customer requesting a predetermined financial transaction, PB customer of the financial transaction request customer Information confirmation means for confirming whether or not the switch is possible, and when the financial transaction requesting customer is a customer who can switch to the PB customer, the predetermined PB customer conversion application information provided by the customer is processed in association with the customer information. Information registration means for storing in the storage medium of the customer, profitability calculation means for calculating the profit generated from the customer after converting the PB customer of the customer, and converting part (or all) of the calculated profit to the PB customer of the customer Compensation revenue calculation means calculated as compensation revenue of a former employee (or branch) and the calculated compensation profit information and the customer Processing the customer switch PB before personnel (or charge branch) information of the association will be characterized by comprising a data storage means for storing in a predetermined storage medium.

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 easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

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

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

In addition, the following embodiments are described based on compensation for a predetermined employee, but a person having ordinary knowledge in the technical field to which the present invention belongs may easily infer a method of providing a compensation to a branch in addition to the employee. It is omitted for convenience, and the present invention is by no means limited thereto.

1 is a diagram illustrating a face-to-face financial transaction system for a predetermined financial transaction provided by a financial institution according to an exemplary embodiment of the present invention.

In more detail, FIG. 1 includes at least one customer information, financial account information, and financial transaction information for a predetermined financial transaction provided by the financial institution to a financial transaction system through a predetermined financial transaction interface. When the financial transaction request information is provided, the financial transaction system uses the customer information, financial account information, and financial transaction information included in the provided financial transaction request information to provide a financial transaction for a predetermined financial transaction provided by the financial institution. The present invention relates to a system configuration for providing a system, and a person having ordinary knowledge in the technical field to which the present invention pertains refers to a financial transaction system configuration for a predetermined financial transaction provided by a financial institution by referring to and / or modifying the drawing 1. Various implementation methods may be inferred, but the present invention may be inferred from all implementations. It includes a method shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one of providing a financial transaction for a predetermined financial transaction provided by the financial institution using the financial transaction request information provided from the customer through a predetermined financial transaction interface on the financial transaction system shown in FIG. 1. Components corresponding to the above means and / or functional configuration are referred to as " financial transaction server 100 " for convenience, and the financial transaction server 100 in FIG. 1 providing the face-to-face financial transaction service includes at least one or more components. It is preferable to include an account system on a financial system connected through a teller terminal and a predetermined financial network. However, FIG. 1 shows the financial transaction server 100 as a ledger server between a teller terminal and an account system for convenience of explanation. However, the present invention is not limited thereto.

Referring to FIG. 1 according to an embodiment of the present invention, a financial transaction system for a predetermined financial transaction provided by the financial institution includes a financial transaction terminal 140 including a window terminal provided at at least one financial institution branch. Finance for a predetermined financial transaction provided by the financial institution connected to the financial transaction terminal 140 through the financial network (eg, our network) connected to the financial transaction terminal 140 and the financial network. It comprises a financial transaction server 100 for processing a transaction.

The financial system that processes the at least one financial transaction service through the personal customer financial account in connection with the financial transaction server 100 may include at least one window terminal provided at a branch (and / or a branch) of the financial institution. Characterized in that the connection through a predetermined financial network (for example, the current network), through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

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

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

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

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

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

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

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

Referring to FIG. 1, the financial system is a computer system provided in a financial institution for opening at least one financial account to at least one financial transaction customer and providing at least one financial transaction service based on the financial account. At least one branch (or teller) in which accounts or transactions occur such as credit or reception or trust or foreign exchange, information systems for the processing of headquarters operations and branch information support and customer information management; Interconnection between the system and at least one other financial system (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based) Wireless banking, telebanking, TV banking, etc.) to access the financial system, and And / or an external system that provides a variety of financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and further comprising the financial system between components in the financial system. An interface module corresponding to a middleware platform that provides interfacing, and predetermined information (e.g., ledger information, and / or customer information, and / or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module according to the intention of the skilled person and / or the type (eg, commercial bank, savings bank, trust bank) of each financial institution equipped with the financial system and the purpose and characteristics of the financial system. It is possible that at least one or more components, such as (not shown), investment finance module (not shown), international module (not shown) may be further included, and those skilled in the art to which the present invention pertains, Since you will be familiar with the technical details of the financial system, a detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And a ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. Information (eg, customer ledger, ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., to further refine and / or supplement each ledger's attributes / functions) And stored in a linked process, wherein the ledger information is the personal customer financial system. It characterized in that it comprises a predetermined account ledger corresponding to the left.

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

According to the method of the present invention, the customer visits the financial institution branch for a predetermined financial transaction provided by the financial institution, and through a window (or through a teller) provided at the financial institution branch. Prepare a predetermined application (e.g., a slip with a form for filling in at least one information item for a predetermined financial transaction provided by the financial institution) provided by the financial institution; When submitted to a teller, the teller enters (or selects) customer information, financial account information, and financial transaction information entered in the application through a designated teller terminal, and the teller terminal enters (or selects) the information. The financial transaction request information including at least one of customer information, financial account information, and financial transaction information through the financial network; To be sent to the financial transaction server 100 provided on the future system are preferred.

Here, the financial transaction terminal 140 preferably comprises a window terminal used by a teller staff provided at the branch of the financial institution, the financial transaction server 100 connected to the teller terminal is located on the predetermined financial system. It is preferable to include a ledger server provided in the, wherein the financial network connecting the teller terminal and the financial transaction server 100 includes a branch network connecting the communication channel between the teller terminal and the financial transaction server 100. It is preferable to make it.

In the financial transaction system as described above, an application prepared by the customer, a teller terminal used by the teller, and a finance network connecting the teller terminal and the financial transaction server 100 are provided by the client at the financial institution. It performs a function of the financial transaction interface for registering the financial transaction request information for a predetermined financial transaction.

The financial transaction request information transmitted from the financial transaction terminal 140 to the financial transaction server 100 for a predetermined financial transaction provided by the financial institution includes predetermined customer information, financial account information, and financial transaction information. Characterized in that it comprises at least one or more.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the bank). By signing up, it is preferable to include at least one member ID information, CIF (Customer Information File) number, etc.) provided in the customer ledger provided on the financial system.

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the individual customer, customer information (for example, the name of the account holder, or the personal customer finance according to the intention of the skilled person) Customer Information File (CIF) number corresponding to the account, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., the personal customer financial account) Opening and responsible person name, contact person code, etc.) may further include at least one.

The financial transaction information may be stored in an amount deposited in the personal customer financial account of the financial institution for a predetermined financial transaction provided by the financial institution, or in a predetermined personal customer financial account of another financial institution through a predetermined financial common network. It characterized in that it comprises at least one or more deposited amount.

The financial transaction server 100 provided on the financial transaction system according to the present invention is a generic term for the financial transaction system side components connected to the financial transaction terminal 140 through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the financial transaction terminal 140 is a window terminal connected to a predetermined financial network, the financial transaction server 100 is connected to the financial terminal connected to the window terminal through a predetermined financial network. And / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system, whereby the present invention is not limited thereto. No.

According to the exemplary embodiment of the present invention, the financial transaction server 100 includes an interface unit 105 for connecting and managing a predetermined communication channel with the financial transaction terminal 140 through the financial network. do.

According to an embodiment of the present invention, when the financial transaction terminal 140 is a window terminal connected to a predetermined financial network, the interface unit 105 may be connected to the window terminal based on a protocol stack defined in the financial network. It is preferable to provide a communication interface for connecting at least one communication channel and 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 financial transaction server 100 connects a communication channel with a financial transaction server 100 to the financial transaction server 100 through the interface unit 105, and / or the communication. When a financial transaction for a predetermined financial transaction provided by the financial institution is requested through a channel, the financial transaction terminal 140 inputs (or selects) predetermined financial transaction request information in connection with the interface unit 105. And an interface providing unit 110 for generating (or extracting) a predetermined user interface to be transmitted to the financial transaction terminal 140, and the user at the financial transaction terminal 140. When a predetermined terminal-side banking program including an interface is provided, the interface providing unit 110 may be omitted.

The interface provider 110 connects a predetermined financial transaction terminal 140 with the financial transaction server 100 through the interface unit 105 and / or the financial channel through the communication channel. When a financial transaction for a predetermined financial transaction provided by an institution is requested, the financial transaction request information is input (or selected) in response to the functional configuration provided in the financial transaction terminal 140, and the financial transaction is performed through the financial network. Generate a predetermined user interface that can be transmitted to the transaction server 100, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 105 to generate the generated (or extracted) user interface It is characterized in that it provides to the financial transaction terminal 140 through the financial network.

According to an embodiment of the present invention, when the financial transaction terminal 140 is a window terminal connected to a predetermined financial network, the interface providing unit 110 may provide a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a user interface of, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, the financial transaction terminal 140 includes at least one user interface for inputting (or selecting) the financial transaction request information and transmitting the financial transaction request information to the financial transaction server 100 through the financial network. When a predetermined terminal-side banking program is provided, the interface provider 110 providing the user interface to the financial transaction terminal 140 may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the user interface inputs (or selects) financial transaction request information including at least one of customer information, financial account information, and financial transaction information to transmit to the financial transaction server 100. It is preferred to include an interface function.

Referring to FIG. 1, the financial transaction server 100 inputs financial transaction request information including at least one of customer information, financial account information, and financial transaction information from the financial transaction terminal 140 through the user interface ( Or an information receiving unit 115 for receiving the financial transaction request information including at least one of the customer information, the financial account information, and the financial transaction information in association with the interface unit 105. Validation unit 125 for checking the validity of the customer information, financial account information, financial transaction information included in the financial transaction request information, and the financial transaction request information based on the validity confirmed in connection with the financial system A financial transaction processing unit 130 and a financial transaction processing unit 130 for processing a financial transaction for a predetermined financial transaction provided by the financial institution; In connection with the predetermined financial transaction result information for the financial transaction for the predetermined financial transaction provided by the financial institution, and in connection with the interface unit 105, the financial transaction result information, the following information confirmation unit 135 An information transmitter 120 for transmitting PB customer transfer request information corresponding to whether the PB customer transfer is possible based on the financial transaction result information to the financial transaction terminal 140, and the information transmitter 120. And an information confirming unit 135 for generating PB customer transfer request information by checking whether the PB customer can accept the individual customer for the financial transaction result information in association with the financial transaction result information generated by do.

The financial transaction terminal 140 inputs (or selects) financial transaction request information including at least one of the customer information, financial account information, and financial transaction information through the user interface to the financial transaction server through the financial network. Characterized in that the transmission to (100).

The information receiver 115 inputs (or selects) financial transaction request information including at least one of customer information, financial account information, and financial transaction information from the financial transaction terminal 140 through the user interface. When transmitting through, it is characterized in that receiving the financial transaction request information in conjunction with the interface unit 105, and provides the received financial transaction request information to the validity check unit 125.

The customer information includes personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is a financial transaction customer of the bank). By signing up, it is preferable to include at least one or more member ID information, CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system in response to the customer.

The validity confirming unit 125 checks whether the financial transaction request information received from the financial transaction terminal 140 satisfies the validity for a predetermined financial transaction provided by a financial institution.

According to an embodiment of the present invention, the validity check of the financial transaction request information includes an account ledger for the financial account corresponding to the financial account information included in the financial transaction request information in the ledger D / B on the financial system. It is preferable to include whether the customer ledger corresponding to the individual customer financial account is provided, and if the account ledger (or the customer ledger corresponding to the personal customer financial account) is provided, the financial transaction request information It is desirable for the validity of the certificate to be authenticated.

When the validity of the financial transaction request information is confirmed, the financial transaction processing unit 130 is linked to a financial system equipped with an account ledger corresponding to the individual customer financial account, the customer information included in the financial transaction request information, financial It is characterized by processing a financial transaction for a predetermined financial transaction provided by the financial institution based on the account information, financial transaction information.

According to the method of the present invention, the financial transaction processing unit 130 processes the financial transaction information corresponding to the financial transaction from the account ledger corresponding to the financial account information included in the financial transaction request information in association with the financial system. It is desirable to.

When the financial transaction for a predetermined financial transaction provided by the financial institution is processed by the financial transaction processing unit 130, the information transmission unit 120 is provided by the financial institution in connection with the financial transaction processing unit 130. Generating financial transaction processing history including at least one financial transaction approval history or financial transaction error history for a financial transaction for a predetermined financial transaction, and includes the financial transaction processing history in connection with the interface unit 105. Characterized in that the financial transaction result information further comprising the PB customer transfer request information confirmed in connection with the information verification unit 135 is characterized in that for transmitting to the financial transaction terminal 140 through the financial network.

Here, the financial transaction processing history is characterized in that it comprises the financial account information, financial transaction information and the PB customer transfer request information, and further comprises an approval code (or error code) for the financial transaction. It features.

The financial transaction result information includes a protocol structure for transmitting the generated financial transaction processing details to the financial transaction terminal 140 through the financial network, and receives the financial transaction result information. The transaction terminal 140 outputs a predetermined financial transaction result including the financial transaction processing history included in the predetermined financial transaction result information.

When the information transmitting unit 120 generates financial transaction result information including the financial transaction processing details, the information confirming unit 135 checks the financial transaction result information to determine the financial transaction result information. Check whether the PB customer transfer is possible to the individual customer, and generates the PB customer transfer request information about the confirmed PB customer transfer is possible and characterized in that it is provided to the information transmission unit 120.

In addition, the information verification unit 135 may check whether the PB customer can be transferred by checking the financial transaction history of the customer in connection with the external system of the financial system provided to the external financial company in addition to the financial company processed the financial transaction. have.

According to the exemplary embodiment of the present invention, the information confirming unit 135 generates financial transaction result information including the financial transaction processing details in the information transmitting unit 120, and transmits the information to the financial transaction terminal 140. Prior to providing, it is preferable to check whether PB customer transfer is possible for the individual customer including the financial transaction result, and to generate PB customer transfer request information corresponding to the confirmed PB customer transfer possibility. It is preferable that the request information is provided to the information transmitter and transmitted to the financial transaction terminal 140 together with the financial transaction result information.

More specifically, FIG. 2 illustrates a case in which the financial transaction server 100 on the financial transaction system shown in FIG. 1 has a ledger server function on a financial system linked to a teller terminal through a predetermined financial network. The window terminal connects to the financial transaction server 100 to connect a communication channel for the financial transaction, and then sends the customer information, financial account information, and financial transaction information to the financial transaction server 100 through the communication channel. When the financial transaction request information is transmitted, the financial transaction server 100 uses predetermined customer information, financial account information, and financial transaction information included in the received financial transaction request information to provide the financial institution with the financial institution. The present invention relates to a method of providing a financial transaction for a financial transaction. Those skilled in the art may refer to and / or refer to FIG. 2. It is possible to infer various implementation methods for the process of processing a financial transaction for a given financial transaction provided by the financial institution in the face-to-face manner, but the present invention includes all the implementation methods inferred, It is not limited to the implementation method shown in 2.

Hereinafter, in FIG. 2, the window terminal shown in FIG. 1 will be referred to as "terminal" for convenience, and the financial transaction server 100 shown in FIG. 1 will be referred to as "server" for convenience.

Referring to FIG. 2, the terminal illustrated in FIG. 1 connects a communication channel for at least one financial transaction with the server through the financial network, and provides customer information for a predetermined financial transaction provided by the financial institution. A user interface for inputting (or selecting) financial transaction request information including at least one financial account information and financial transaction information is output (200).

Thereafter, a predetermined application (eg, a form for filling in at least one or more information items for a predetermined financial transaction provided by the financial institution) includes at least one of the customer information, financial account information, and financial transaction information from the customer. Is prepared and submitted, the terminal inputs (or selects) financial transaction request information including at least one of the customer information, financial account information, and financial transaction information included in the application through the user interface. In operation 215, the financial transaction request information including at least one of the customer information, financial account information, and financial transaction information is transmitted to the server through a financial network connecting the terminal and the server.

Here, the financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the individual customer, according to the intention of the person skilled in the art (for example, the name of the account holder, or the individual) Customer's CIF (Customer Information File) number corresponding to the customer's financial account, etc., financial institution information (e.g., bank name or bank code), branch information (e.g., branch code), contact person information (e.g., the personal customer finance Name of a person in charge of opening and managing an account, a person in charge code, etc.).

The financial account information is characterized by including the account number (or financial account alias, etc.) for the financial account in the name of the individual customer, customer information (for example, the name of the account holder, or the personal customer finance according to the intention of the skilled person) Customer Information File (CIF) number corresponding to the account, financial institution information (e.g. bank name or bank code), branch information (e.g., branch code), contact information (e.g., the personal customer financial account) Establishment and responsible person name, contact person code, etc.).

Thereafter, the server receives and reads financial transaction request information including at least one of the customer information, financial account information, and financial transaction information through the financial network to confirm the validity of the financial transaction request information (220). .

If the validity of the financial transaction request information is not authenticated (225), the server generates a financial transaction processing history including predetermined financial transaction error information corresponding to the validity error information (230), and the financial The financial transaction result information including the financial transaction processing history is transmitted to the terminal through the network (238), and the terminal outputs the financial transaction result including the financial transaction processing history (240).

On the other hand, if the validity of the financial transaction request information is authenticated (225), the server is linked to a financial system equipped with an account ledger corresponding to the individual customer financial account, the customer information included in the financial transaction request information, financial account Based on the information and financial transaction information, a financial transaction for a predetermined financial transaction provided by the financial institution is processed (235).

According to the implementation method of the present invention, the server preferably processes the financial transaction information corresponding to the financial transaction from the account ledger corresponding to the financial account information included in the financial transaction request information in association with the financial system.

If a financial transaction corresponding to the financial transaction request information is processed (245), the server generates a financial transaction processing history including any one of predetermined financial transaction approval information or financial transaction error information according to the financial transaction processing result. (250), the server checks whether it is possible to transfer PB customers corresponding to the financial transaction processing history (255).

If it is impossible to transfer the PB customer corresponding to the individual customer who has processed the financial transaction (260), the financial transaction result information including the financial transaction processing history is transmitted to the terminal through the financial network (265). In response, the terminal outputs a financial transaction result including the financial transaction processing details (275).

On the other hand, if the PB customer transfer corresponding to the personal transaction processed by the financial transaction is possible (260), the information including at least one or more financial transaction result information including the financial transaction processing history, PB customer transfer request information from the server The terminal transmits to the terminal through the financial network (270), and correspondingly the terminal outputs at least one or more financial transaction processing history, PB customer transfer request information (280).

FIG. 3 is a diagram illustrating a face-to-face PB center transfer information registration system for registering approval information for transferring individual customers to a PB center according to one embodiment of the present invention.

In more detail, Figure 3 is a PB center transfer application that includes at least one of customer information, PB center transfer approval information, compensation period information, employee information to register the approval information for a given customer to transfer the individual customer to the PB center And submit, the predetermined window terminal 375 acquires predetermined image contents corresponding to the PB center transfer application through a predetermined image obtaining apparatus, and transfers the PB center transfer information registration system through a predetermined information registration interface. When the PB center transfer information corresponding to the PB center transfer application and the image content obtained from the PB center transfer application are provided, a predetermined PB center transfer application electronic document including the image content is generated to generate a predetermined electronic document. Stored in the storage, the customer information contained in the PB center transfer information, PB center transfer approval information, This is a system configuration for linking compensation period information and employee information to a predetermined storage medium 345. Specifically, the electronic document repository is connected to the PB center transfer information registration system through a predetermined communication means. It is about the implementation method provided in the system.

Those skilled in the art to which the present invention pertains, various implementations for the configuration of the PB center transfer information registration system for registration of approval information for transferring individual customers to the PB center by referring and / or modifying the drawing 3 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to and / or modify the drawing 3 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the PB center transfer information registration system. As will be appreciated, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 3, the PB center transfer request electronic document corresponding to the PB center transfer application is described as being generated on the server side on the PB center transfer information registration system. The present invention is not limited thereto, and the PB center transfer request electronic document may be generated at a terminal that acquires image content corresponding to the PB center transfer application through a predetermined image obtaining device (eg, provided at the server side). The electronic document generation function is provided on the terminal side to generate the PB center transfer request electronic document), whereby the present invention is not limited.

Hereinafter, the PB center transfer information and image contents corresponding to the PB center transfer application prepared by the customer are provided through a predetermined information registration interface on the PB center transfer information registration system shown in FIG. A component corresponding to at least one or more means and / or functional configurations for generating a document and storing it in a predetermined electronic document storage and storing the PB center transfer information in a predetermined storage medium 345 may be referred to as an "information registration server". 300) ".

Referring to FIG. 3 according to an embodiment of the present invention, a PB center transfer information registration system for registering approval information for transferring the individual customer to a PB center is provided at at least one financial institution branch (or branch). And an information registration terminal 380 including a counter terminal 375, and the information registration terminal 380 registers information provided on the PB center transfer information registration system through a predetermined financial network. The communication channel is connected to the server 300.

According to an embodiment of the present invention, the customer visits the financial institution branch (branch branch) for registration of approval information for transferring the individual customer to the PB center, and opens a window provided at the financial institution branch branch (branch branch). A PB center transfer application for registration of approval information for transferring the individual customer to the PB center (or through a teller) (eg, at least one or more for registration of approval information for transferring the individual customer to the PB center) A document having a form for filling out an information item), wherein the customer is to seal the customer's seal for legal basis for the PB center transfer application.

Subsequently, when the customer submits the completed PB center transfer application to the counter employee, the counter staff scans the PB center transfer application through a predetermined image acquisition device to obtain predetermined image content, and the predetermined counter terminal ( PB center transfer information including at least one image content obtained in response to the PB center transfer application and customer information, PB center transfer approval information, compensation period information, and employee information obtained through 375). In response thereto, the counter terminal 375 transmits the image content and the PB center transfer information through the financial network to the information registration server 300 provided on the PB center transfer information registration system. It is desirable to send to.

Here, the window terminal 375 preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the information registration server 300 connected to the window terminal 375 is the predetermined It is preferable to include a server (for example, a ledger server, etc.) provided on the financial system, and the financial network connecting the window terminal 375 and the information registration server 300 is connected to the window terminal 375 and the information. It is preferable to include the current network connecting the communication channel between the registration server (300).

In the PB center transfer information registration system as described above, an image acquisition device for obtaining image content corresponding to the PB center transfer application prepared by the customer, a counter terminal 375 and the counter terminal 375 used by the employee. And a financial network connecting the information registration server 300 performs a function of an information registration interface for registering PB center transfer information in order for the customer to register approval information for transferring the personal customer to the PB center.

The storage medium 345 provided on the PB center transfer information registration system according to the present invention includes the customer information, PB center transfer approval information, and compensation included in the PB center transfer information provided from the information registration terminal 380. The period information and the employee information are linked and stored in a predetermined storage medium 345.

The PB center transfer approval information is for a predetermined customer to visit the financial institution and receive the predetermined financial transaction service from the financial institution for the customer who visits the personal customer window of the financial institution to transfer to the PB center. It is preferable to include information.

The compensation period information is registered as a PB customer of the PB center through the PB center transfer information registration system while a predetermined customer is registered as a personal customer of the financial institution. It is preferable to include a compensation period corresponding to a period for giving a predetermined compensation to the teller staff in charge of the individual customer through the completion pipe compensation system.

The employee information includes personal information of the employee (e.g., employee's name, social security number, address, phone number, mobile phone number, e-mail address) corresponding to the employee in charge of the individual customer counter of the financial institution, employee information of the employee. (E.g., employee number assigned by the financial institution by a predetermined method, employee ID information input by the employee to the counter terminal 375 to use a predetermined counter terminal 375 installed at the individual customer counter, It is preferable to include at least one or the like) (such as a telephone number of the individual customer counter in charge of the employee).

The customer information includes the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the PB center transfer application, and the member information of the customer (for example, Member ID information or CIF (Customer Information File) number provided in the customer ledger provided on the financial system linked to the PB center transfer information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Etc.) It is preferable to include at least one or more.

According to an embodiment of the present invention, the storage medium 345 is preferably provided in a DBMS on a financial system provided on the PB center transfer information registration system (or associated with the PB center transfer information registration system). In this case, the storage medium 345 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, the storage medium 345 is provided on (or associated with) the PB center transfer information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

The information registration server 300 provided on the PB center transfer information registration system according to the present invention is a generic term for components of the PB center transfer information registration system side connected to the information registration terminal 380 through a predetermined financial network. It may be implemented by including at least one server (or device), and / or at least one program recorded on a recording medium provided in a predetermined server (or device), thereby limiting the present invention Not.

According to an embodiment of the present invention, when the information registration terminal 380 is a window terminal 375 connected to a predetermined financial network, the information registration server 300 is the window terminal 375 through a predetermined financial network. It may be a ledger server provided on the financial system connected to the), and / or a server (or device) provided on the external system on the financial system, and / or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal 380 through the financial network. do.

According to an embodiment of the present invention, when the information registration terminal 380 is a window terminal 375 connected to a predetermined financial network, the interface unit 305 is based on the protocol stack defined in the financial network. Connecting a predetermined communication channel with the terminal 375, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in the financial transaction-related program provided in the window terminal 375 It is preferable.

Referring to FIG. 3, when the predetermined information registration terminal 380 connects a predetermined communication channel with the information registration server 300 through the interface unit 305, the individual Acquire image content corresponding to the PB center transfer application created by the customer through a predetermined image acquisition device provided in the information registration terminal 380 to register the approval information for transferring the customer to the PB center, and the PB center Generate (or extract) at least one user interface for inputting (or selecting) PB center transfer information corresponding to the transfer request and transmitting it to the information registration server 300, and in connection with the interface unit 305, Interface providing unit 310 for providing the generated (or extracted) user interface to the information registration terminal 380, and the user interface in the information registration terminal 380 When the PB center transfer information corresponding to the PB center transfer application is input (or selected) through a mobile station, the PB center transfer information transmitted from the information registration terminal 380 in connection with the interface unit 305 is transmitted. If the information receiving unit 315 and the information registration terminal 380 receives and transmits the image content corresponding to the PB center transfer application written by the customer through a predetermined image acquisition device based on the user interface, It is characterized in that it comprises an image receiving unit 320 for receiving the image content corresponding to the PB center transfer application in connection with the interface unit 305.

The interface provider 310 connects a predetermined communication channel with the information registration server 300 through the interface 305 through the interface unit 305, and then sends the information registration server 300 to the information registration server 300. When requesting a user interface for registration of approval information for transferring an individual customer to a PB center, image contents corresponding to the PB center transfer application created by the customer through a predetermined image acquisition device provided in the information registration terminal 380. Generate at least one user interface for inputting (or selecting) PB center transfer information corresponding to the PB center transfer application and transmitting it to the information registration server 300 via the financial network; and / Alternatively, the user interface may be extracted from a predetermined database (not shown), and the generated (or extracted) user interface may be linked with the interface unit 305. Through a network it is characterized in that provided in the information registering terminal 380.

According to another embodiment of the present invention, the information registration terminal 380 acquires image contents corresponding to the PB center transfer application written by the customer through a predetermined image acquisition device, and the PB center corresponding to the PB center transfer application. When a predetermined information registration program having at least one user interface for inputting (or selecting) transfer information and transmitting the information to the information registration server 300 through the financial network, the predetermined image as described above. Acquire image content corresponding to the PB center transfer application prepared by the customer through an acquisition device, input (or select) PB center transfer information corresponding to the PB center transfer application, and transmit it to the information registration server 300. Interface providing unit 3 for generating (or extracting) a user interface to provide to the information registration terminal 380 10) may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal 380 inputs (or selects) PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the user interface. The PB center transfer information, which is input (or selected), is transmitted to the information registration server 300 through the financial network. In response thereto, the information receiving unit 315 is connected to the interface unit 305 and the information registration terminal. And receiving the PB center transfer information transmitted from 380.

In addition, the information registration terminal 380 obtains the image content corresponding to the PB center transfer application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content to the financial network; The image receiving unit 320 is transmitted to the information registration server 300, and in response thereto, the image receiving unit 320 receives image contents corresponding to the PB center transfer application in connection with the interface unit 305.

According to another exemplary embodiment of the present invention, the information registration terminal 380 acquires image contents corresponding to the PB center transfer application written by the customer through a predetermined image acquisition device and is provided to the information registration terminal 380. In the case of pre-stored in a predetermined (or associated) storage device, the information registration terminal 380 to the PB center transfer application created by the customer of the at least one or more image content stored in the storage device through the user interface The corresponding image content is selected and transmitted to the information registration server 300 through the financial network. In response thereto, the image receiving unit 320 corresponds to the PB center transfer application in association with the interface unit 305. It is desirable to receive image content.

According to another exemplary embodiment of the present invention, the PB center transfer information corresponding to the PB center transfer application and the image content corresponding to the PB center transfer application prepared by the customer through the user interface in the information registration terminal 380 When transmitting together, the information receiving unit 315 may receive the image content corresponding to the PB center transfer application and PB center transfer information together with the interface unit 305 (eg, the image receiving unit 320). ) Is integrated into the information receiving unit 315) and thereby the present invention is not limited thereto.

Referring to FIG. 3, when the information registration server 300 receives the PB center transfer information transmitted from the information registration terminal 380 through the information receiving unit 315, the received PB center transfer information is received. Characterized in that it comprises a validity check unit 325 to confirm whether the validity for registering the approval information for transferring the individual customer to the PB center.

According to an exemplary embodiment of the present invention, the validity of the PB center transfer information may include at least one ledger information matching the PB center transfer information in a ledger D / B on a financial system associated with the PB center transfer information registration system. It is preferable to include checking whether it is registered.

For example, the validity confirming unit 325 may include, among the information included in the PB center transfer information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the PB center transfer information registration system. It is desirable to include verifying that it matches the customer ledger stored in / B.

Referring to FIG. 3, the information registration server 300 receives the image content transmitted from the information registration terminal 380 through the image receiving unit 320, and the PB through the validity checking unit 325. When the validity of the center transfer information is authenticated, the electronic document generation unit 330 for generating a predetermined PB center transfer request electronic document including the received image content, and the generated PB center transfer request electronic document And an electronic document transmission unit 335 for transmitting to an electronic document repository associated with a PB center transfer information registration system.

The electronic document generation unit 330 may generate a PB center transfer request electronic document including the image content received from the information registration terminal 380 through the image receiving unit 320.

According to an embodiment of the present invention, the electronic document generating unit 330 is the image file containing the image content received from the information registration terminal 380 through the image receiving unit 320 as the personal customer It is desirable to process the PB Center transfer request electronic document for registration of approval information for transfer to the PB Center.

Alternatively, the electronic document generator 330 is included in the PB center transfer information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. Approval information for transferring the individual customer to the PB center an image file corresponding to the image content including at least one of customer information, PB center transfer approval information, compensation period information, employee information by a watermarking method It is desirable to create a PB Center transfer request electronic document for registration.

According to another embodiment of the present invention, the electronic document generating unit 330 is a predetermined document file (eg, including the image content received from the information registration terminal 380 through the image receiving unit 320) Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create a PB Center transfer request electronic document for registration of approval information for transfer to the PB Center.

Alternatively, the electronic document generator 330 is included in the PB center transfer information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. Generates image content including at least one of customer information, PB center transfer approval information, compensation period information, and employee information by watermarking, and includes a predetermined document file including the generated image content (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for the PB center transfer request for registration of approval information for transferring to the PB center.

According to another exemplary embodiment of the present invention, the electronic document generator 330 may receive the image content and the information receiver 315 received from the information registration terminal 380 through the image receiver 320. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the received PB center transfer information, or MHT It is preferable to generate a PB center transfer request electronic document for registration of approval information for transferring the individual customer to the PB center by generating a web document file, including).

Alternatively, the electronic document generator 330 is included in the PB center transfer information received through the information receiver 315 to the image content received from the information registration terminal 380 through the image receiver 320. Generating image content including at least one of customer information, PB center transfer approval information, compensation period information, and employee information by a watermarking method, and including the generated image content and the PB center transfer information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating, it is preferable to generate a PB center transfer request electronic document for registration of approval information for transferring the individual customer to the PB center.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 330 is a technical feature of generating a PB center transfer request electronic document of the image file format and / or a predetermined document file format, and You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the PB center transfer request electronic document, so the detailed description thereof will be omitted for convenience.

The electronic document transmission unit 335 transmits and stores the electronic document generation request electronic document generated by the electronic document generation unit 330 to a predetermined electronic document repository associated with the PB center migration information registration system. It features.

As shown in FIG. 3, the electronic document repository is connected to an information registration server 300 on the PB center transfer information registration system and a predetermined electronic document server 350 and electronic document D / B linked through predetermined communication means. When provided to the outside, including the (370), the electronic document transmission unit 335 is the electronic document server through the communication means to the electronic document transfer request electronic document generated by the electronic document generation unit 330 It characterized in that the transmission to 350.

Here, when the electronic document server 350 and the electronic document D / B 370 is provided outside the PB center transfer information registration system, the electronic document server 350 and the electronic document D / B 370 ) Should be managed by an accredited institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the PB center transfer information registration system, the electronic document transmitting unit 335 is generated by the electronic document generating unit 330. The electronic document D / B 370 corresponding to the electronic document storage on the DBMS provided in the PB center transfer information registration system may be stored in the electronic document D / B 370, which is not limited thereto. .

According to an embodiment of the present invention, the electronic document transmission unit 335 may include electronic document related information (eg, a PB center corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 350. The electronic document further including customer information that has completed the transfer application, and / or financial institution information transmitting the PB center transfer request electronic document, and / or electronic document file format information, and / or the PB center transfer information, and the like. It is possible to transmit to the storage, by which the present invention is not limited.

Referring to FIG. 3, the information registration server 300 receives approval information for transferring the PB center transfer information received through the information receiving unit 315 to the PB center through the validity checking unit 325. When the validity for registration is authenticated, the customer information, PB center transfer approval information, compensation period information, and employee information included in the PB center transfer information for which the validity is certified are stored in a predetermined storage medium 345 by linking and processing. It is characterized by comprising an information storage unit 340.

When the validity of the PB center transfer information is confirmed by the validity confirming unit 325, the information storage unit 340 may include customer information included in the PB center transfer information, PB center transfer approval information, compensation period information, The employee information is stored in the storage medium 345 by linkage processing. The storage medium 345 is provided in the information registration server 300 or on the network associated with the information registration server 300. When provided in the, the information storage unit 340 is stored in the storage medium 345 by integrating the customer information, PB center transfer approval information, compensation period information, employee information included in the received PB center transfer information Preferably, when the storage medium 345 is provided in the DBMS provided on the financial system, the information storage unit 340 is the customer information contained in the received PB center transfer information, PB center transfer approval information , Show The period information, personnel information via the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 3, a predetermined PB center transfer request electronic document is received from the information registration server 300 provided on the PB center transfer information registration system, and stored and managed in a predetermined electronic document D / B 370. The electronic document server 350 includes an electronic document receiving unit 355 for receiving a predetermined PB center transfer request electronic document from the information registration server 300 through a predetermined communication means, and the received PB center transfer request electronics. The information generation unit 360 for generating predetermined electronic document management information for storing and managing a document in the electronic document D / B 370 and the electronic document management information and the PB center transfer request electronic document And an electronic document storage unit 365 for storing in the predetermined electronic document D / B 370.

The electronic document receiving unit 355 receives the PB center transfer request electronic document in the form of an image file and / or a document file from the information registration server 300 through the communication means.

According to an exemplary embodiment of the present invention, the electronic document receiving unit 355 receives the PB center transfer request electronic document received through the communication means, the image registered by the information registration server 300 from the information registration terminal 380 It is preferable that the image file including the content is included as it is.

Alternatively, the PB center transfer request electronic document received by the electronic document receiving unit 355 through the communication means may be transferred to the image content received by the information registration server 300 from the information registration terminal 380. It is preferable to include an image file corresponding to the image content including at least one or more information of the customer information, PB center transfer approval information, compensation period information, employee information included in the information in a watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the PB center transfer request electronic document received by the electronic document receiver 355 through the communication means is received by the information registration server 300 from the information registration terminal 380. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the PB center transfer request electronic document received by the electronic document receiving unit 355 through the communication means may include the PB center transfer information in the image content received by the information registration server 300 from the information registration terminal 380. A predetermined document file (eg, PDF (Portable Document Format) including image contents including at least one or more of customer information, PB center transfer approval information, compensation period information, and employee information included in the watermarking method. ) File, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another exemplary embodiment of the present invention, the PB center transfer request electronic document received by the electronic document receiving unit 355 through the communication means is received by the information registration server 300 from the information registration terminal 380. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including one image content and the PB center transfer information. , Or a web document file including MHT).

Alternatively, the PB center transfer request electronic document received by the electronic document receiving unit 355 through the communication means may include the PB center transfer information in the image content received by the information registration server 300 from the information registration terminal 380. Image content including at least one or more of customer information, PB center transfer approval information, compensation period information, employee information included in the watermarking method and a predetermined document file including the PB center transfer information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

The information generating unit 360 is a predetermined electronic document unique number (or unique information) to be assigned to the PB center transfer request electronic document received through the electronic document receiving unit 355, and through the electronic document receiving unit 355 And generating electronic document management information including electronic document storage date and time information including a date and time at which the PB center transfer request electronic document was received (or a date and time at which the PB center transfer request electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 360 refers to the information registration server 300 which transmitted the PB center transfer request electronic document received through the electronic document receiving unit 355, and the PB center. It is preferable to check the financial institution that sent the transfer request electronic document, and to generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the information registration server 300 through the electronic document receiving unit 355, the information generating unit 360 receives the received information. Electronic document related information (e.g., customer information for which a PB center transfer application corresponding to the image content is prepared, and / or financial institution information for transmitting the PB center transfer application electronic document, and / or electronic document file format information, and / Or the electronic document management information further including the PB center transfer information, etc.).

The electronic document storage unit 365 associates a PB center transfer request electronic document received through the electronic document receiving unit 355 with electronic document management information generated through the information generating unit 360 to process a predetermined electronic document. It is characterized in that the storage in the D / B (370).

According to one embodiment of the present invention, the electronic document storage unit 365 is stored in the electronic document D / B (370) PB center transfer request electronic document is the information registration server 300 is the information registration terminal ( Preferably, the image file including the image content received from 380 is included as it is.

Alternatively, the PB center transfer request electronic document stored in the electronic document D / B 370 by the electronic document storage 365 may include the image received by the information registration server 300 from the information registration terminal 380. Including contents image corresponding to the image content including at least one or more information of the customer information included in the PB center transfer information, PB center transfer approval information, compensation period information, employee information in a watermarking method in the content; It is preferable to make.

According to another embodiment of the present invention, the electronic document storage unit 365 is stored in the electronic document D / B (370) PB center transfer request electronic document is the information registration server 300 is the information registration terminal A word processor file including at least one of a predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content received from 380. , Or a web document file including MHT).

Alternatively, the PB center transfer request electronic document stored in the electronic document D / B 370 by the electronic document storage 365 may include image content received by the information registration server 300 from the information registration terminal 380. A predetermined document file including image contents including at least one of at least one of customer information included in the PB center transfer information, PB center transfer approval information, compensation period information, and employee information in a watermarking manner. , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more of HWP / DOC, or a web document file including an MHT). .

According to another embodiment of the present invention, the electronic document storage unit 365 is stored in the electronic document D / B (370) PB center transfer request electronic document is the information registration server 300 the information registration At least one predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content received from the terminal 380 and the PB center transfer information. Or a web document file including the MHT).

Alternatively, the PB center transfer request electronic document stored in the electronic document D / B 370 by the electronic document storage 365 may include image content received by the information registration server 300 from the information registration terminal 380. At least one of the customer information, PB center transfer approval information, compensation period information, employee information included in the PB center transfer information in the watermarking method including image content and the PB center transfer information A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 370 by processing the electronic document storage unit 365 in association with the PB center transfer request electronic document is transferred to the PB center. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 370 by the electronic document storage unit 365 in association with the PB center transfer request electronic document is stored in the PB center. The PB center transfer request electronic document confirmed by referring to the information registration server 300 that transmitted the transfer request electronic document is preferably made to further include information.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the information registration server 300, the electronic document storage unit 365 processes the connection with the PB center transfer request electronic document. The electronic document management information stored in the electronic document D / B 370 may include the received electronic document related information (for example, customer information in which a PB center transfer application corresponding to the image content is prepared, and / or the PB center transfer). Financial institution information for transmitting the application electronic document, and / or electronic document file format information, and / or the PB center transfer information, etc.).

Figure 4 shows the configuration of PB center transfer information stored in the ledger D / B (400) provided in the DBMS on the financial system in a face-to-face manner for registration of approval information for transferring individual customers to the PB center in accordance with an embodiment of the present invention The figure is shown.

More specifically, FIG. 4 shows the customer information in the ledger information provided in the ledger D / B 400 when the storage medium shown in FIG. 3 is the ledger D / B 400 provided in the DBMS on the financial system. , PB center transfer approval information, compensation period information, showing the configuration of information about an implementation method for storing PB center transfer information, including employee information, if the person having ordinary knowledge in the technical field to which the present invention belongs, By referring to and / or modifying the drawing 4, it is possible to infer various information construction methods for storing the PB center transfer information in the ledger D / B 400, but the present invention includes all the inferred implementation methods. The present invention is not limited to the implementation method shown in FIG.

Referring to Figure 4 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 400 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (for example, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 400 includes at least one ledger (eg, a ledger, mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and the account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. The.

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

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

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

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

Referring to FIG. 4, the PB center transfer information provided through the PB center transfer information registration system shown in FIG. 3 is stored in the form of additional information added to the account ledger. Characterized in that it comprises at least one information, PB center transfer approval information, compensation period information, employee information.

According to another exemplary embodiment of the present invention, the PB center transfer information may be stored in the form of information included in the account ledger (not shown), and / or added to another ledger other than the account ledger (eg, a customer ledger). It is possible to be stored in the form of additional information, and / or in the form of information contained in the other ledgers (for example, customer ledger) other than the account ledger, whereby the present invention is not limited.

5 is a PB stored in a database associated with the ledger D / B 500 provided in a DBMS on a financial system in a face-to-face manner for registering approval information for transferring individual customers to a PB center according to another embodiment of the present invention. It is a figure which shows the center migration information structure.

In more detail, FIG. 5 shows an information structure of an embodiment in which the storage medium 505 shown in FIG. 3 is stored in a predetermined database linked to the ledger D / B 500 provided in the DBMS on the financial system. As shown in the drawings, a person of ordinary skill in the art may refer to and / or modify the drawing 5 to link the PB center transfer information to the ledger D / B 500 in a predetermined database. Various information construction methods for processing and storing may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 5 is a case where it is not easy to store the PB center transfer information in the ledger information of the ledger D / B 500 on the DBMS provided on the financial system (for example, the ledger of the DBMS due to the policy of the financial institution). If the D / B 500 is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the PB center transfer information may be stored in a predetermined database instead of the ledger D / B 500. FIG. 4 illustrates an implementation method of linking and storing the database and the ledger D / B 500.

In addition, the database shown in FIG. 5 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. It may be configured in the form of a database on a telebanking system, a database on a wireless banking system, and / or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 5, the database stores and stores the customer information, PB center transfer approval information, compensation period information, and employee information in association with the PB center transfer information. The PB center transfer information is stored in the database. It is preferable that the PB center transfer information further includes a CIF number corresponding to the ledger information in order to be processed in association with the ledger D / B 500.

The customer information includes the personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who completed the PB center transfer application, and the member information of the customer (for example, Member ID information, or CIF (Customer Information File) provided in the customer ledger provided on the financial system associated with the PB center transfer information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution. Number or the like), and the like.

FIG. 6 is a diagram illustrating a configuration of PB center migration information stored in a DBMS provided in the banking server 600 in a face-to-face manner for registering approval information for transferring individual customers to a PB center according to another embodiment of the present invention. to be.

In more detail, FIG. 6 illustrates a predetermined banking system in which the storage medium 505 shown in FIG. 3 is provided on an Internet banking system and / or a telebanking system, and / or a wireless banking system, and / or a TV banking system. As an embodiment provided in the DBMS provided in the server 600, those skilled in the art to which the present invention pertains, at least one or more banking server by referring to and / or modifying the present figure It will be possible to infer the information configuration method for the PB center transfer information stored in a predetermined DBMS provided in 600), but the present invention includes all the implementation methods inferred, and only by the implementation method shown in FIG. It is not limited.

Referring to FIG. 6, a predetermined DBMS provided in the banking server 600 stores and stores customer information, PB center transfer approval information, compensation period information, and employee information included in the PB center transfer information. It is characterized by.

7A and 7B illustrate a process of registering PB center transfer information in a face-to-face manner according to one embodiment of the present invention.

In more detail, Figures 7a and 7b are a window terminal 375 in which the information registration terminal 380 on the PB center transfer information registration system shown in Figure 3 is provided at a branch (or branch) of a financial institution. In the case where the server 300 has a ledger server (not shown) function in the financial system associated with the teller terminal 375 through a predetermined financial network, the predetermined customer is authorized to transfer the individual customer to the PB center. When a PB center transfer application form including at least one of customer information, PB center transfer approval information, compensation period information, and employee information is registered and submitted for information registration, the predetermined window terminal 375 uses a predetermined image acquisition device. Acquire a predetermined image content corresponding to the PB center transfer application, and respond to the PB center transfer application to the PB center transfer information registration system through a predetermined information registration interface When the PB center transfer information and the image content obtained from the PB center transfer application are provided, a predetermined PB center transfer request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the PB center An implementation method of linking the customer information, PB center transfer approval information, compensation period information, and employee information included in the transfer information to a predetermined storage medium 505, and specifically, in the counter terminal 375. After obtaining a predetermined image content corresponding to the PB center transfer application through a predetermined image acquisition device and transmitting it to the information registration server 300, input the PB center transfer information corresponding to the PB center transfer application (or Shows an implementation method of transmitting to the information registration server 300.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 7a and 7b to register the PB center transfer information from the window terminal 375 to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the window terminal 375 acquires predetermined image content corresponding to the PB center transfer application through a predetermined image acquisition device, and / or the PB. Although a user interface for inputting (or selecting) a PB center transfer information corresponding to a center transfer application is illustrated and provided from the information registration server 300, a predetermined information registration program is provided in the counter terminal 375. In this case, the user interface may not be provided from the information registration server 300, and the present invention is not limited thereto.

7a and 7b, the window terminal 375 shown in FIG. 3 is referred to as a "terminal" for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a "server" for convenience. The customer information, PB center transfer approval information, compensation period information, and employee information transmitted from the counter terminal 375 to the information registration server 300 are referred to as "PB center transfer information" for convenience.

Referring to FIGS. 7A and 7B, a PB center including at least one of customer information, PB center transfer approval information, compensation period information, and employee information for registering approval information for transferring a customer to a PB center by a predetermined customer After completing and submitting the transfer application, the window terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects a predetermined communication channel to the individual customer corresponding to the PB center transfer application. When requesting a user interface for registration of approval information for transferring to the PB center (700), the server corresponding to the predetermined request corresponding to the PB center transfer application prepared by the customer through a predetermined image acquisition device in the terminal Generate (or extract) a user interface for acquiring image content and transmitting it to the server (705), and generates the user interface through the financial network. The generated (or extracted) user interface is transmitted and output to the terminal (710).

Thereafter, the terminal acquires image content corresponding to the PB center transfer application through a predetermined image acquisition device based on the user interface (715).

If image content corresponding to the PB center transfer application is obtained through the image obtaining apparatus (720), the terminal transmits the obtained image content to the server through the financial network (725).

Thereafter, the server inputs (or selects) PB center transfer information including at least one of customer information, PB center transfer approval information, compensation period information, and employee information corresponding to the PB center transfer application matching the image content. A user interface for transmitting to the server is generated (or extracted) (730), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (735).

Thereafter, the terminal inputs (or selects) PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the user interface (740).

If the PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information is input (or selected) through the user interface (745), the terminal establishes the financial network. The input (or selected) PB center transfer information is transmitted to the server through 750.

Thereafter, the server receives and reads PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the financial network, thereby validating the validity of the PB center transfer information. Check (755).

According to an embodiment of the present invention, the validity check of the PB center transfer information is at least one or more matching the PB center transfer information to the ledger D / B 500 on the financial system associated with the PB center transfer information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity confirming unit 325 may include, among the information included in the PB center transfer information, the customer information (customer information, member information, etc.) of the ledger on the financial system associated with the PB center transfer information registration system. It is preferably made to include matching with the customer ledger stored in / B (500).

If the validity of the PB center transfer information is not authenticated (760), the server generates predetermined information registration error information and transmits it to the terminal (765), and performs an information registration procedure corresponding to the PB center transfer information. Do not perform.

On the other hand, if the validity of the PB center transfer information is authenticated (760), the server generates a predetermined PB center transfer request electronic document containing the image content (770).

According to an exemplary embodiment of the present invention, the server transfers the image file including the image content received from the information registration terminal 380 through the image receiver 320 to the PB center as it is. It is preferable to process the electronic document of the PB center transfer request for approval information registration.

Alternatively, the server transfers the customer information included in the PB center transfer information received through the information receiving unit 315 to the image content received from the information registration terminal 380 through the image receiving unit 320, and transfers the PB center. Transfer of the PB center for registration of approval information for transferring the individual customer to the PB center an image file corresponding to an image content including at least one of approval information, compensation period information, and employee information by watermarking It is desirable to create an application electronic document.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, Portable Document Format (PDF)) including the image content received from the information registration terminal 380 through the image receiving unit 320. Files, electronic data interchange (EDI) files, word processor files including at least one of HWP / DOC, or web document files including MHT), to transfer the individual customer to the PB center. It is desirable to create an electronic document for the transfer of PB center for registration of approval information.

Alternatively, the server transfers the customer information included in the PB center transfer information received through the information receiving unit 315 to the image content received from the information registration terminal 380 through the image receiving unit 320, and transfers the PB center. Generate image content including at least one of approval information, compensation period information, and employee information by a watermarking method, and include a predetermined document file (eg, PDF (Portable Document Format) including the generated image content. ), Or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT) to transfer the individual customer to the PB center. It is desirable to create an electronic document for the PB center transfer request for registration of approval information.

According to another exemplary embodiment of the present invention, the server transfers the image content received from the information registration terminal 380 through the image receiving unit 320 and the PB center received through the information receiving unit 315. A predetermined document file including information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or a web document including an MHT. By generating a file, etc.), it is preferable to generate a PB center transfer application electronic document for registration of approval information for transferring the individual customer to the PB center.

Alternatively, the server transfers the customer information included in the PB center transfer information received through the information receiving unit 315 to the image content received from the information registration terminal 380 through the image receiving unit 320, and transfers the PB center. A predetermined document file including image information including at least one of approval information, compensation period information, and employee information by a watermarking method, and including the generated image content and the PB center transfer information (eg, , A Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT). It is desirable to create an electronic document for the PB center transfer request for registration of approval information for transferring to the PB center.

Those skilled in the art to which the present invention pertains include technical features that the server generates a PB center transfer request electronic document in an image file format and / or a predetermined document file format, and the PB center transfer request electronics. Since the technical features of the image file corresponding to the document and / or the file format of the document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated PB center transfer request electronic document in a predetermined electronic document storage (775).

As shown in FIG. 3, the electronic document repository includes a predetermined electronic document server 350 and an electronic document D / B 370 associated with a server on the PB center transfer information registration system through predetermined communication means. In the case of being provided outside, the server preferably transmits the generated PB center transfer request electronic document to the electronic document server 350 through the communication means and stores the electronic document D / B 370 in the electronic document server 350. Do.

Alternatively, when the electronic document storage is provided on a DBMS provided in the PB center transfer information registration system, the server sends the generated PB center transfer request electronic document on the DBMS provided in the PB center transfer information registration system. It is possible to store in the electronic document D / B 370 corresponding to the electronic document storage, by which the present invention is not limited.

According to an embodiment of the present invention, the storing of the PB center transfer request electronic document in the electronic document storage is illustrated in FIG. 3 by linking the generated PB center transfer request electronic document and predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (370).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the PB center transfer request electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the PB center transfer request electronic document.

In addition, the electronic document management information includes predetermined electronic document-related information (for example, customer information for which a PB center transfer application corresponding to the image content is prepared, and / or financial institution information for transmitting the PB center transfer application electronic document, and And / or electronic document file format information, and / or the PB center transfer information and the like.

If the PB center transfer request electronic document is stored in the electronic document storage (780), the server links the customer information included in the PB center transfer information, PB center transfer approval information, compensation period information, employee information Process the data to store in a predetermined storage medium (505) (785), predetermined information registration history information (e.g., the history of storing the PB center transfer application electronic document in the electronic document storage, and / or the storage medium (505) ) To generate (or extract) the details of storing the PB center transfer information to the terminal (790).

According to one embodiment of the invention, the storage medium 505 is preferably provided in a DBMS on a financial system provided on the PB center transfer information registration system (or associated with the PB center transfer information registration system). In this case, the storage medium 505 may be a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500), thereby The present invention is not limited.

According to another embodiment of the present invention, the storage medium 505 is provided on (or associated with) the PB center transfer information registration system, and / or a telebanking system, and / or a wireless banking system. It is possible to be provided in the DBMS on at least one banking system of, and / or a TV banking system, whereby the present invention is not limited.

8A and 8B illustrate a process of registering PB center migration information in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B show a window terminal 375 provided with an information registration terminal 380 on a PB center transfer information registration system shown in FIG. 3 at a financial institution branch (or a branch). In the case where the server 300 has a ledger server (not shown) function in the financial system associated with the teller terminal 375 through a predetermined financial network, the predetermined customer is authorized to transfer the individual customer to the PB center. When a PB center transfer application form including at least one of customer information, PB center transfer approval information, compensation period information, and employee information is registered and submitted for information registration, the predetermined window terminal 375 uses a predetermined image acquisition device. Acquire a predetermined image content corresponding to the PB center transfer application, and respond to the PB center transfer application to the PB center transfer information registration system through a predetermined information registration interface When the PB center transfer information and the image content obtained from the PB center transfer application is provided, a predetermined PB center transfer request electronic document including the image content is generated and stored in a predetermined electronic document repository, and the PB center An implementation method of linking the customer information, PB center transfer approval information, compensation period information, and employee information included in the transfer information to a predetermined storage medium 505, and specifically, in the counter terminal 375. After inputting (or selecting) PB center transfer information corresponding to the PB center transfer application to the information registration server 300, the predetermined image content corresponding to the PB center transfer application through a predetermined image acquisition device Shows an implementation method of acquiring and transmitting the information to the information registration server 300.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b to register the PB center transfer information from the window terminal 375 to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, in the method shown in FIGS. 8A and 8B, the window terminal 375 acquires predetermined image contents corresponding to the PB center transfer application through a predetermined image acquisition device, and / or the PB center. Although the user interface for inputting (or selecting) the PB center transfer information corresponding to the transfer application is illustrated and provided from the information registration server 300, the counter terminal 375 includes a predetermined information registration program. In this case, the user interface may not be provided from the information registration server 300, and the present invention is not limited thereto.

Hereinafter, the window terminal 375 shown in FIG. 3 in FIGs. 8A and 8B will be referred to as "terminal" for convenience, and the information registration server 300 shown in FIG. 3 will be referred to as "server" for convenience. The customer information, PB center transfer approval information, compensation period information, and employee information transmitted from the counter terminal 375 to the information registration server 300 are referred to as "PB center transfer information" for convenience.

Referring to FIGS. 8A and 8B, a PB center including at least one of customer information, PB center transfer approval information, compensation period information, and employee information for registering approval information for transferring a customer to a PB center by a predetermined customer After completing and submitting the transfer application, the window terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects a predetermined communication channel to the individual customer corresponding to the PB center transfer application. When requesting a user interface for registration of approval information for transferring to the PB center (800), in response, the server corresponds to the customer information, PB center transfer approval information, compensation period information corresponding to the PB center transfer application prepared by the customer Generating a user interface for inputting (or selecting) a PB center transfer information including at least one employee information to the server; (Or extraction) (805), and transmits the generated (or extracted) user interface to the terminal through the financial network and outputs (810).

Thereafter, the terminal inputs (or selects) PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the user interface (815).

If the PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information is input (or selected) through the user interface (820), the terminal establishes the financial network. The input (or selected) PB center transfer information is transmitted to the server through 825.

Thereafter, the server receives and reads PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the financial network, thereby validating the validity of the PB center transfer information. Check (830).

If the validity of the PB center transfer information is not authenticated (835), the server generates predetermined information registration error information and transmits it to the terminal (840), and performs an information registration procedure corresponding to the PB center transfer information. Do not perform.

On the other hand, if the validity of the PB center transfer information is authenticated (835), the server acquires predetermined image content corresponding to the PB center transfer application written by the customer through the predetermined image acquisition device in the terminal to the server. A user interface for transmission is generated (or extracted) (845), and the generated (or extracted) user interface is transmitted to the terminal and output through the financial network (850).

Thereafter, the terminal acquires image content corresponding to the PB center transfer application through a predetermined image acquisition device based on the user interface (855).

If image content corresponding to the PB center transfer application is obtained through the image acquisition device (860), the terminal transmits the obtained image content to the server through the financial network (865).

The server, having received the PB center transfer information and image content from the terminal, generates a predetermined PB center transfer request electronic document including the image content (870).

According to an exemplary embodiment of the present invention, the server transfers the image file including the image content received from the information registration terminal 380 through the image receiving unit 320 to the PB center as it is. It is advisable to process the PB Center transfer request electronic document for registration of approval information.

According to another exemplary embodiment of the present invention, the server transfers the image content received from the information registration terminal 380 through the image receiving unit 320 and the PB center transfer information received through the information receiving unit 315. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a PB center transfer request electronic document for registration of approval information for transferring the individual customer to the PB center.

Those skilled in the art to which the present invention belongs, the technical features that the server generates a PB center transfer request electronic document in the image file format and / or a predetermined document file format, and the PB center transfer request electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated PB center transfer request electronic document in a predetermined electronic document storage (875).

As shown in FIG. 3, the electronic document repository stores a predetermined electronic document server 350 and an electronic document D / B 370 linked with a server on the PB center transfer information registration system through predetermined communication means. In addition, when provided to the outside, the server transmits the generated PB center transfer request electronic document to the electronic document server 350 through the communication means to store in the electronic document D / B (370) desirable.

If the PB center transfer request electronic document is stored in the electronic document storage (880), the server processes the customer information, PB center transfer approval information, compensation period information, employee information included in the PB center transfer information Information stored in a predetermined storage medium 505 (885), predetermined information registration history information (e.g., the history of storing the PB center transfer request electronic document in the electronic document storage, and / or the storage medium 505) The PB center transfer information) is generated (or extracted) and transmitted to the terminal (890).

According to one embodiment of the invention, the storage medium 505 is preferably provided in a DBMS on a financial system provided on the PB center transfer information registration system (or associated with the PB center transfer information registration system). In this case, the storage medium 505 may be a ledger D / B 500 provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B 500. The present invention is not limited by this.

9A and 9B show the information terminal 380 on the PB center transfer information registration system shown in FIG. 3 as a window terminal 375 provided at a branch (or branch) of a financial institution. In the case where the server 300 has a ledger server (not shown) function in the financial system associated with the teller terminal 375 through a predetermined financial network, the predetermined customer is authorized to transfer the individual customer to the PB center. When a PB center transfer application form including at least one of customer information, PB center transfer approval information, compensation period information, and employee information is registered and submitted for information registration, the predetermined window terminal 375 uses a predetermined image acquisition device. Acquire a predetermined image content corresponding to the PB center transfer application, and respond to the PB center transfer application to the PB center transfer information registration system through a predetermined information registration interface When the PB center transfer information and the image content obtained from the PB center transfer application are provided, a predetermined PB center transfer request electronic document including the image content is generated and stored in a predetermined electronic document storage, and the PB center An implementation method of linking the customer information, PB center transfer approval information, compensation period information, and employee information included in the transfer information to a predetermined storage medium 505, and specifically, in the counter terminal 375. Acquire a predetermined image content corresponding to the PB center transfer application through a predetermined image acquisition device, and input (or select) PB center transfer information corresponding to the PB center transfer application to the information registration server 300. It shows an implementation method of transmitting.

Those skilled in the art to which the present invention pertains may refer to and / or modify the drawings 9a and 9b to register the PB center transfer information from the window terminal 375 to the information registration server 300. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 9A and 9B.

For example, in the embodiment shown in FIGS. 9A and 9B, the window terminal 375 acquires predetermined image contents corresponding to the PB center transfer application through a predetermined image acquisition device, and / or the PB center. Although the user interface for inputting (or selecting) the PB center transfer information corresponding to the transfer application is illustrated and provided from the information registration server 300, the counter terminal 375 includes a predetermined information registration program. In this case, the user interface may not be provided from the information registration server 300, and the present invention is not limited thereto.

9a and 9b, the window terminal 375 shown in FIG. 3 is referred to as a "terminal" for convenience, and the information registration server 300 shown in FIG. 3 is referred to as a "server" for convenience. The customer information, PB center transfer approval information, compensation period information, and employee information transmitted from the counter terminal 375 to the information registration server 300 are referred to as "PB center transfer information" for convenience.

9A and 9B, a PB center includes at least one of customer information, PB center transfer approval information, compensation period information, and employee information for registering approval information for transferring a customer to a PB center. After completing and submitting the transfer application, the window terminal 375 shown in FIG. 3 connects to the server through a predetermined financial network and connects a predetermined communication channel to the individual customer corresponding to the PB center transfer application. When requesting a user interface for registration of approval information for transferring to the PB center (900), the server inputs (or selects) PB center transfer information corresponding to the PB center transfer application prepared by the customer in response to the request. And obtaining predetermined image contents corresponding to the PB center transfer application through a predetermined image obtaining apparatus and transmitting the same to the server. A user interface is generated (or extracted) (905), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (910).

Thereafter, the terminal inputs (or selects) PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the user interface (915).

If the PB center transfer information including at least one of the customer information, the PB center transfer approval information, the compensation period information, and the employee information is input (or selected) through the user interface (920), the terminal displays the user interface. Based on the predetermined image acquisition apparatus based on the image content corresponding to the PB center transfer application is obtained (925).

If image content corresponding to the PB center transfer application is obtained through the image acquisition device (930), the terminal transmits the PB center transfer information and image content to the server through the financial network (935).

Thereafter, the server receives and reads PB center transfer information including at least one of the customer information, PB center transfer approval information, compensation period information, and employee information through the financial network, thereby validating the validity of the PB center transfer information. Check (940).

If the validity of the PB center transfer information is not authenticated (945), the server generates predetermined information registration error information and transmits it to the terminal (950), and performs an information registration procedure corresponding to the PB center transfer information. Do not perform.

On the other hand, if the validity of the PB center transfer information is authenticated (945), the server generates a predetermined PB center transfer request electronic document including the image content (955).

Thereafter, the server stores the generated PB center transfer request electronic document in a predetermined electronic document storage (960).

If the PB center transfer request electronic document is stored in the electronic document repository (965), the server processes the customer information, PB center transfer approval information, compensation period information, employee information included in the PB center transfer information. Information stored in a predetermined storage medium 505 (970), predetermined information registration history information (e.g., the history of storing the PB center transfer request electronic document in the electronic document storage, and / or the storage medium 505) The PB center transfer information) is generated (or extracted) and transmitted to the terminal (975).

According to an embodiment of the present invention, the storage medium 505 is preferably provided in a DBMS on a financial system provided on the PB center transfer information registration system (or associated with the PB center transfer information registration system). In this case, the storage medium 505 may be a ledger D / B (500) provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B (500), thereby The present invention is not limited.

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In more detail, FIG. 10 illustrates customer information (eg, social security number), one or more subscription account information (eg, savings account, savings account, etc.) or subscription non-account information (eg, foreign exchange product ( In charge of import and export transactions such as lactic acid), derivatives (swap, interest rate futures, options, etc.), securities (stocks, bonds, etc.), ancillary services (exchanges, etc.), subscription accounts or subscription non-accounts. Extract employee information, transaction details for a certain period of time associated with customer information, employee information in charge of the transaction details, new account information or new non-account information, new account information or new non-account information. The internal configuration of the system for calculating profitability for each PB customer group by extracting information about PB customers from the extracted information is shown in the field to which the present invention belongs. Those skilled in the art will be able to infer various implementation methods of the system for calculating the profitability of the PB customer group with reference to this drawing 10, but the present invention is not limited to this drawing 10, all the inferred implementations It includes a method.

Here, the customer information is the personal information (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who trades at the PB customer window of a predetermined financial institution, and the member information of the customer. For example, the member ID information provided in the customer ledger provided on the financial system 1000 associated with the financial transaction history information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. , Or a CIF (Customer Information File) number or the like).

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

In addition, the subscription account information preferably comprises at least one or more savings account, savings account, etc. provided in the customer ledger by the customer is already subscribed at the PB customer window of a predetermined financial institution.

In addition, the subscription non-account information is the foreign exchange products (eg, lactic acid, etc.), derivatives (eg, interest rate swap, currency swap, interest rate) that the customer has already subscribed to the customer ledger at the PB customer window of a predetermined financial institution Future accounts, options, etc.), securities (e.g., stocks, bonds, etc.), incidental services (e.g., currency exchange, etc.), including at least one or more non-account information subscribed to, it is preferable that the intention or purpose of those skilled in the art Depending on the foreign exchange product, derivatives, securities, ancillary services may be added or deleted.

In addition, the foreign exchange product is preferably meant for import and export trading products such as lactic acid, and may be further added in addition to the import and export trading products according to the intention or purpose of those skilled in the art.

In addition, the derivatives preferably refer to interest rate swaps, currency swaps, interest rate futures, options, and the like, and may be added or deleted in addition to the swaps, interest rate futures, and options according to the intention or purpose of those skilled in the art.

Here, interest rate swap is preferably a product that allows swap traders to hedge interest rate risk by modifying the characteristics of interest rates on assets and liabilities.

In addition, it is desirable to mean a currency swap that can be used as a new borrowing finance that reduces borrowing costs by using hedging of currency risk or imperfections in the capital market.

In addition, the securities preferably mean stocks, bonds and the like, and may be added or deleted in addition to the stocks and bonds according to the intention or purpose of those skilled in the art.

In addition, the secondary service preferably means exchange of foreign currency corresponding to domestic currency, domestic currency corresponding to foreign currency, and the like, and according to the intention or purpose of the skilled person to foreign currency corresponding to the domestic currency. It may be added in addition to foreign currency exchange and foreign currency to domestic currency.

In addition, the transaction details may include a bank account, transaction history, bank or other remittance history, cash services by a credit card issued by the financial institution, and the like, according to the intention or purpose of those skilled in the art, In addition to the current or other remittance history, and may be added or deleted in addition to the cash service by the credit card issued by the financial institution.

In addition, the employee information is the employee's personal information (e.g., employee's name, social security number, address, telephone number, mobile phone number, e-mail address) corresponding to the employee in charge of the PB customer window of the financial institution, and the employee's Employee information (e.g., employee number assigned by the financial institution by a predetermined method, employee ID information input by the employee to the counter terminal to use the counter terminal installed in the PB customer counter, and PB in charge of the employee) And at least one or more of a customer contact number, etc.).

According to the method of the present invention, the profitability calculation system of the PB customer counter staff includes the profitability calculation by the account product or the non-account product of the PB customer group or the profitability calculation by the transaction history of the PB customer group or the PB customer group. PB customer group profit calculation server 1010 for calculating the profitability of joining a new account product or a new non-account product, at least one of the face-to-face or non-face-to-face financial transaction channels provided at a branch (or branch) of a financial institution. It is characterized in that it comprises a financial system (1000) for providing one or more financial transactions (for example, credit, receiving, currency exchange, foreign currency transfer, financial investment, etc.) services.

Here, the account product is preferably made of one or more products, such as savings accounts, savings accounts, loan accounts.

In addition, the non-account product is preferably made of one or more products, such as foreign exchange products, derivatives, securities, collateral services.

The PB customer group profitability calculation server 1010 may include customer information, one or more subscription account information or one or more subscription non-account information associated with the customer information, employee information in charge of the subscription account or subscription non-account, and the customer information. Profitability of the PB customer group for each employee according to the employee information by extracting the transaction history, employee information, new account information or new non-account information from the financial system 1000 for a certain period associated with the employee information If a person having ordinary knowledge in the field of the present invention belongs to, how to check the profitability of the PB customer group with reference to this figure 10, the cost required for the employee in charge of the PB customer (for example, , Employee wages, etc.) can be added to various information for calculating the profitability of the PB customer group. Element is omitted because it was not used in calculating profitability city.

Here, the information on the required cost of the employee preferably refers to costs such as direct and indirect costs for the employee who sells a product containing at least one account product or non-account product to the customer.

It is preferable that the direct costs mean labor costs, labor costs, marketing costs, other goods costs, eastern estate maintenance costs, retirement allowances, depreciation expenses, and manufacturing costs.

The overhead cost preferably refers to expenses such as personnel expenses, post-salary living expenses, eastern estate management expenses, and financial planning expenses.

The PB customer group profitability calculation server 1010 includes a D / B for storing profitability calculation results of the PB customer group for each channel or employee, or a D / B for storing profitability calculation results for the PB customer group for each channel or employee. Interworking with a separate D / B server having a B and a communication network.

Referring to FIG. 10, the PB customer group profitability calculation server 1010 is an information receiver (or information receiver) for receiving information from the ledger D / B 1005 in association with the external system of the financial system 1000. 1020, an information extraction unit (or information extraction means) 1025 for extracting necessary information from the information received from the ledger D / B 1005, and profitability information among the information extracted from the ledger D / B 1005 The information confirmation unit (or information confirmation means) 1030 to confirm, the profitability calculation unit (or profitability calculation means) 1035 for calculating the profitability information from the profitability confirmation information, the profitability calculation information is stored in the D / B It characterized in that it comprises a profitability information storage unit (or profitability information storage means) 1040.

Here, the ledger D / B 1005 is a D / B provided in the financial system 1000, and the ledger D / B 1005 includes customer information, account information, and non-account required for calculating profitability for the PB customer group. It is preferable to include information, employee information, transaction history information.

According to the method of the present invention, the information receiving unit 1020 is the customer information, the account information and account staff information subscribed to the customer, or the non-account information and non-account staff information registered by the customer or the customer transactions Employee information processing a transaction and transaction, or new account information and new member account information for a new account for the customer, or new non-account information and a new member account for the new member Receives ledger information from the ledger D / B 1005 in association with the external system of the financial system 1000 is provided to the information extraction unit 1025 containing at least one.

Here, the ledger information includes customer information, account information, non-account information, employee information, transaction history information that are requested from the PB customer group profitability calculation server 1010 to the financial system 1000 in order to calculate profitability for the PB customer group. It is preferable to comprise.

According to the exemplary embodiment of the present invention, the information extracting unit 1025 may include the customer information received from the information receiving unit 1020, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or subscription. Extract information on a PB customer from the employee information in charge of the non-account and provide it to the information checking unit 1030, or a predetermined period associated with the customer information received from the information receiving unit 1020, the customer information During the transaction history, the employee information in charge of the transaction history to extract the information about the PB customer provided to the information verification unit 1030, or the customer information received from the information receiving unit 1020, the customer New account information or new non-account information associated with the information, information about the PB customer among the employee information that manages the new subscription account or new subscription account Extracted and provided to the information verification unit 1030.

According to the exemplary embodiment of the present invention, the information checking unit 1030 may include the customer information extracted by the information extracting unit 1025, one or more subscription account information or subscription non-account information associated with the customer information, the subscription account or Among the employee information in charge of subscription non-account, information about PB customers, subscription account profitability information or non-account profitability information, or the customer information extracted by the information extraction unit 1025, for a predetermined period associated with the customer information Transaction profitability information, or information extraction unit 1025 information extraction unit 1025 the customer information, the new account information associated with the customer information from the transaction history, information on the PB customer of the employee information in charge of the transaction history Or new non-account information, information about a PB customer among the new subscription account or employee information managing a new subscription non-account. Make a profitable information or new subscription account non-profitable, and provides information to the profitability of the information storage unit 1040, and the margins of the calculation unit 1035.

The profitability calculation unit 1035 is a subscription account profitability information for a PB customer or a subscription non-account profitability information for a PB customer or a transaction profitability information for a PB customer or a new PB customer provided by the information checking unit 1030. Profitability is calculated by linking profitability information of various PB customers including at least one of subscription account profitability information or new subscription non-account profitability information of PB customers, and calculating profitability information of the calculated PB customers. The profitability information storage unit 1040 is provided.

According to the implementation method of the present invention, the profitability calculation unit 1035 is a profitability such as interest income or loan interest income for the loan account borrowed from the account information for the PB customer borrowing the deposit for the savings account or savings account It is desirable to calculate the information.

Here, the subscription account profitability information for the PB customer preferably comprises at least one of the unpaid deposit fee, loan interest income for the loan account, and the like.

In addition, the profitability calculation unit 1035 may handle handling fees for foreign exchange commodity transactions, handling fees for derivatives, handling fees for derivatives, handling fees for securities, or ancillary services in subscription non-account information for PB customers. It is desirable to calculate profitability information, such as handling fees.

The non-account profitability information for the PB customer includes at least one of a handling fee according to the foreign exchange product transaction, a handling fee for a derivative product, a handling fee for a securities, and a handling fee for ancillary services. It is preferable.

In addition, it is preferable that the profitability calculation unit 1035 for the PB customer calculates profitability information such as handling fees for the unpaid deposit in the transaction history.

Here, the transaction profitability information for the PB customer is preferably made including a handling fee for the passbook deposit.

In addition, the new subscription account profitability information for the PB customer is the potential interest profitability and new loans for the potential interest profitability or new loan loans that can be borrowed and receive interest on the newly subscribed savings account or the newly subscribed savings account. It is desirable to calculate profitability information, such as loan handling fees.

Here, the new subscription account profitability information for the PB customer is a potential interest profitability or a new interest loan for a new loan or savings account or a new interest saving account, and the potential interest profitability or loan for a new loan. It is preferable to include at least one or more loan handling fees for.

In addition, the new subscription non-account profitability information for the PB customer may include a handling fee for a new foreign exchange transaction or a handling fee for a new derivatives subscription or a potential operating fee for a new derivatives subscription or a handling fee for a new securities transaction. It is desirable to calculate profitability information such as the above.

Here, the new subscription non-account profitability information for the PB customer may include a handling fee according to a new foreign exchange transaction, a handling fee for a new derivative subscription, a potential operating fee for a new derivative subscription, or a handling fee for a new securities transaction. It is preferable to include at least one or more.

According to an embodiment of the present invention, the profitability information storage unit 1040 stores the profitability information provided by the profitability calculation unit 1035 in a D / B provided in the PB customer group profitability calculation server 1010 or the profitability. It is linked with a separate D / B server having a D / B for storing the profitability information provided by the calculation unit 1035 through a communication network.

Referring to FIG. 10, the PB customer group profitability calculation server 1010 is connected with customer information about a PB customer stored in the profitability information storage unit 1040. The ledger D / B 1005 of the financial system 1000 Compensation period confirmation unit (or compensation period confirmation means) 1045 for confirming the compensation period information stored and registered in the) and the employee compensation information calculation for calculating the employee compensation information corresponding to the compensation period confirmed by the compensation period confirmation unit Unit (or employee compensation information calculating means) 1050, and a compensation information storage unit (or compensation information storage means) 1055 for storing the employee compensation information calculated by the employee compensation information calculating unit 1050 It is characterized by.

The compensation period confirmation unit 1045 confirms the interpolation information stored and registered in the ledger D / B 1005 of the financial system 1000 in association with the customer information on the PB customer stored in the information storage unit. It is characterized in that whether or not included in the period for providing a predetermined employee to the compensation corresponding to the profitability by the customer transferred to the PB center.

According to the method of the present invention, the compensation period confirmation unit 1045 is stored in the ledger D / B 1005 of the financial system 1000 in association with the customer information for the PB customer stored in the information storage unit. In addition, it is preferable to check the registered compensation period information and to check whether it is included in a period for providing a predetermined employee with a compensation corresponding to the profitability by the customer who is transferred to the PB center.

The employee compensation information calculation unit 1050 calculates employee compensation information for compensation to the employee when the compensation period is provided to the employee in response to the compensation period information provided by the compensation period confirmation unit 1045. Characterized in that.

According to the implementation method of the present invention, the employee compensation information calculation unit 1050 in response to the compensation period information provided by the compensation period confirmation unit 1045, when the period of providing compensation to the employee, to the employee It is desirable to calculate employee compensation information for compensation.

The compensation information storage unit 1055 receives the employee compensation information calculated by the employee compensation information calculation unit 1050 in connection with the employee compensation information calculation unit 1050 and stores the received employee compensation information. It is characterized by.

According to the exemplary embodiment of the present invention, the compensation information storage unit 1055 is provided with the employee compensation information calculated by the employee compensation information calculation unit 1050 in connection with the employee compensation information calculation unit 1050, and provides the It is advisable to store the employee compensation information received.

According to an embodiment of the present invention, the financial system 1000 is connected to at least one or more window terminals provided at branches (and / or branch offices) of the financial institution through a predetermined financial network (for example, a branch network). Characterized in that, through the counter terminal provides a financial transaction service of face to face at least one financial transaction customer.

In addition, the financial system 1000 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (and / or branch) of the financial institution, and / or the financial institution; At least one financial terminal provided in at least one affiliated financial institution (and / or another financial institution branch) and / or at least one financial terminal provided in a public place and a predetermined financial network (eg, CD Network), and provides a non-face-to-face financial transaction service to at least one financial transaction customer through the financial terminal.

In addition, the financial system 1000 is characterized in that associated with a predetermined Internet banking server, a network (eg, wired Internet, and / or IEEE 802.11x-based network connected to the TCP / IP-based backbone network through the Internet banking server) At least one or more client terminals (e.g., personal computer (PC) and / or laptop equipped with the wired Internet access and browsing function) connected to a wireless LAN, and / or an IEEE 802.16x-based portable Internet, and the wireless LAN Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop and / or a mobile terminal equipped with a mobile Internet access and browsing function).

In addition, the financial system 1000 is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, and / or through the wireless banking server) At least one wireless terminal (e.g., a personal communication system (PCS) having access and browsing functions connected to the mobile communication network) and / or connected to an IEEE 802.16x-based portable Internet and / or a DataTAC / Mobitex-based wireless data communication network. Non-face-to-face financial transactions with at least one financial transaction customer via a Global System for Mobile (GSM) terminal and / or Personal Digital Assistant (PDA) and / or Smart Phone and / or Telematics) Provide service.

The financial system 1000 may be connected to a predetermined IC chip based wireless banking server, and may be based on a predetermined wireless network (eg, code division multiple access (CDMA)) through the IC chip based wireless banking server. At least one or more through at least one wireless terminal (e.g., a wireless terminal having a financial IC chip) connected to a mobile communication network and / or an IEEE 802.16x based portable Internet, and / or a DataTAC / Mobitex based wireless data communication network. It provides IC chip-based non-face-to-face financial transaction service to financial transaction customers.

In addition, the financial system 1000 is characterized in that associated with a predetermined telebanking server, and is connected to a predetermined wired voice call network (eg, a public switched telephone network (PSTN)) through the telebanking server. At least one wired communication terminal (e.g., a telephone) and / or at least one wireless communication terminal (e.g., a PCS and / or a mobile communication network based on a code division multiple access (CDMA)). Or a non-face-to-face financial transaction service to at least one or more financial transaction customers through a GSM terminal and / or a smart phone.

In addition, the financial system 1000 is characterized in that associated with a predetermined home banking server, at least one or more home appliances connected to a predetermined home network through the home banking server (eg, digital TV and / or refrigerator connected to a home network) Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system 1000 is characterized in that associated with a predetermined TV banking server, at least one digital TV (for example, two-way digital TV, connected to a predetermined return channel (Return Channel) through the TV banking server) The non-face-to-face financial transaction service is provided to at least one financial transaction customer through a satellite DMB terminal or a terrestrial DMB terminal.

Referring to FIG. 11, the financial system 1000 is provided to a financial institution to open at least one financial account to at least one financial transaction customer and provide at least one financial transaction service based on the financial account. A computer system, comprising: an accounting system for processing a window service such as a credit or a reception or a trust or a foreign exchange occurring at at least one branch (or a window), an information system for processing a headquarters business, a store information support, and a customer information management; Interconnection between the financial system 1000 and at least one other financial system 1000 (and / or payment system), and / or at least one non-face-to-face financial transaction means (e.g. Internet banking, wireless banking, IC chip-based wireless banking, telebanking, TV banking, etc.) And an external system that provides access to 1000 and / or various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). 1000 is an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 1000, and predetermined information required for performing each function in the components in the financial system 1000. And a DBMS (DataBase Management System) including at least one database for storing and managing (eg, ledger information, and / or customer information, and / or management information).

In addition, the financial system 1000 is intended by those skilled in the art and / or types of financial institutions (eg, commercial banks, savings banks, trust banks) provided with the financial system 1000 and the purpose of the financial system 1000. And according to the features, it is possible to further include at least one or more components, such as foreign exchange module (not shown), investment finance module (not shown), international module (not shown), in the technical field to which the present invention belongs Those skilled in the art will be familiar with the detailed technical matters of the financial system 1000, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

In addition, the ledger information for the ledger D / B 1005 of the financial system 1000 has more information than the information shown in the ledger D / B 1005 of the financial system 1000 shown in FIG. Only the information for calculating customer group profitability is shown.

Figure 11 shows the subscription account profitability information for PB customers, the profitability of subscription accounts for PB customers, the transaction profitability information for PB customers, and the PB customers, according to the method of the present invention. The operation flow of the system for calculating PB customer profitability, which includes at least one of new subscription account profitability information and new subscription non-account profitability information for PB customers.

In more detail, FIG. 11 shows the ledger information from the ledger D / B 1005 of the financial system 1000, and the five kinds of PB customer groups through the PB customer group profitability calculation server 1010 shown in FIG. Conditions (subscription account profitability information for PB customers, subscription non-account profitability information for PB customers, transaction profitability information for PB customers, new subscription account profitability information for PB customers, new subscription non-account profitability information for PB customers) Regarding the process of checking and storing the profitability information on the PB customer group profitability calculation server 1010 in the D / B, the process of the present invention belongs to the present invention. Various implementation methods of the system for calculating the profitability of the PB customer group may be inferred, but the present invention is not limited to the drawing 11, but includes all the implementation methods inferred.

Hereinafter, in FIG. 11, the PB customer group profitability calculation server 1010 shown in FIG. 10 is referred to as a “server” for convenience.

Referring to FIG. 11A, the server accesses the financial system 1000 through a predetermined communication network, and provides the ledger information of the ledger D / B 1005 of the financial system 1000 for calculating the profitability to the server. In response to the request, the financial system 1000 provides the ledger information of the ledger D / B 1005 to the server (1100a).

Here, the ledger information means customer information stored and registered in the ledger D / B 1005 of the financial system 1000, subscription account information associated with customer information, and employee information in charge of the subscription account. desirable.

In addition, the customer information is the personal information (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who is trading at the PB customer window of a predetermined financial institution, the member information of the customer For example, the member ID information provided in the customer ledger provided on the financial system 1000 associated with the financial transaction history information registration system in response to the customer by joining the customer as a financial transaction customer of the financial institution. , Or a CIF (Customer Information File) number or the like).

In addition, the subscription account information preferably comprises at least one or more information about the account to which the customer, such as savings account, savings account, etc. subscribed.

When the ledger information is provided from the financial system 1000 as described above, the server extracts the subscription account information from the ledger information and extracts information about the PB customer group from the subscription account information (1105a).

If information about groups other than the PB customer group is extracted from the subscription account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group. In FIG. Process only 1110a.

Thereafter, the server calculates the profitability of the subscription account corresponding to the PB customer group (1115a), and stores and registers the calculated profitability information in the server D / B (1120a).

Here, it is preferable that the subscription account profitability information for the PB customer includes at least one of the unpaid deposit fee, the loan interest income for the loan account, and the like.

Thereafter, the server checks customer information corresponding to profitability information for the PB customer, checks compensation period information corresponding to the confirmed customer information, and calculates employee compensation information for the employee corresponding to the compensation period. And store the calculated employee compensation information.

Referring to FIG. 11B, the server connects to the financial system 1000 through a predetermined communication network and provides the ledger information of the ledger D / B 1005 of the financial system 1000 to calculate the profitability to the server. In response to the request, the financial system 1000 provides the ledger information of the ledger D / B 1005 to the server (1100b).

Here, the ledger information means customer information stored and registered in the ledger D / B 1005 of the financial system 1000, subscription non-account information associated with customer information, and employee information in charge of the subscription non-account. It is desirable to.

In addition, it is preferable that the forex product means an import and export transaction product such as lactic acid.

In addition, the derivatives preferably refer to swaps, interest rate futures, options, and the like.

In addition, it is preferable that securities mean a stock bond etc.

In addition, it is preferable that the incidental service means currency exchange or the like.

When the ledger information is provided from the financial system 1000 as described above, the server extracts subscription non-account information from the ledger information and extracts information on the PB customer group from the subscription non-account information (1105b).

If information about groups other than the PB customer group is extracted from the subscription account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group. In FIG. Process only 1110b.

Thereafter, the server calculates the profitability of the subscription non-account corresponding to the PB customer group (1115b), and stores and registers the calculated profitability information in the server D / B (1120b).

Referring to FIG. 11C, the server accesses the financial system 1000 through a predetermined communication network, and provides the ledger information of the financial system 1000 ledger D / B 1005 for calculating the profitability to the server. In response to the request, the financial system 1000 provides the ledger information of the ledger D / B 1005 to the server (1100c).

Here, the ledger information means customer information stored and registered in the ledger D / B 1005 of the financial system 1000, transaction history information associated with customer information, and employee information in charge of the transaction details. desirable.

In addition, the transaction details, it is preferable that the transaction details, such as banknotes, withdrawals, or other remittances.

When the ledger information is provided from the financial system 1000 as described above, the server extracts the transaction history information from the ledger information and extracts the information on the PB customer group from the transaction history information (1105c).

If information about groups other than the PB customer group is extracted from the subscription account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group. In FIG. Process only 1110c.

Thereafter, the server calculates the profitability of the transaction history corresponding to the PB customer group (1115c), and stores and registers the calculated profitability information in the server D / B (1120c).

Referring to FIG. 11D, the server accesses the financial system 1000 through a predetermined communication network, and provides the ledger information of the financial system 1000 ledger D / B 1005 for calculating the profitability to the server. In response to the request, the financial system 1000 provides the ledger information of the ledger D / B 1005 to the server (1100d).

Here, the ledger information means customer information stored and registered in the ledger D / B 1005 of the financial system 1000, new account information associated with customer information, and employee information in charge of the new subscription account. It is preferable.

In addition, the employee information is the employee's personal information (e.g., employee's name, social security number, address, phone number, mobile phone number, e-mail address) corresponding to the employee in charge of the PB customer window of the financial institution, and the employee Employee information (e.g., employee number given by a predetermined method in the financial institution, employee ID information input by the employee to the counter terminal to use the counter terminal installed in the PB customer counter, It is preferable to include at least one or more) (such as a telephone number of the PB customer window).

When the ledger information is provided from the financial system 1000 as described above, the server extracts new account information from the ledger information and extracts information about the PB customer group from the new account information (1105d).

If information about groups other than the PB customer group is extracted from the subscription account information, the information is processed according to each group with reference to the information shown in the other drawings of the present invention. Process only 1110d.

Thereafter, the server calculates the profitability of the new subscription account corresponding to the PB customer group (1115d), and stores and registers the calculated profitability information in the server D / B (1120d).

Here, the profitability information of the newly registered account for the PB customer is the potential interest profitability for borrowing and receiving interest on the newly registered savings account or the newly registered savings account or the potential interest profitability or new loan for the new loan. It is preferable to include at least one or more loan handling fees for.

Referring to FIG. 11E, the server accesses the financial system 1000 through a predetermined communication network, and provides the ledger information of the financial system 1000 ledger D / B 1005 for calculating the profitability to the server. In response to the request, the financial system 1000 provides the ledger information of the ledger D / B 1005 to the server (1100e).

Here, the ledger information includes customer information stored and registered in the ledger D / B 1005 of the financial system 1000, new non-account information associated with the customer information, and employee information in charge of the new subscription non-account. It is preferable to mean.

In addition, it is preferable that securities mean a stock bond etc.

When the ledger information is provided from the financial system 1000 as described above, the server extracts new non-account information from the ledger information and extracts information about the PB customer group from the new non-account information (1105e).

If information about groups other than the PB customer group is extracted from the subscription account information, processing is performed by referring to the information shown in the other drawings of the present invention according to each group. In FIG. Process only 1110e.

Thereafter, the server calculates the profitability of the new subscription non-account corresponding to the PB customer group (1115e), and stores and registers the calculated profitability information in the server D / B (1120e).

Here, the non-account profitability information for the PB customer may include a handling fee for a new foreign exchange transaction, a handling fee for joining a new derivative, a potential operation fee for joining a new derivative, or a handling fee for a new securities transaction. It is preferable to include at least one.

According to the present invention, if a customer receives a financial transaction service from a given financial institution and accumulates a large amount of wealth and is entitled to a PB customer, the customer is transferred to the PB center with the consent of the customer. It has the advantage of automatically calculating and providing compensation according to the transfer.

In addition, when the individual customer is transferred to the PB customer in the form of providing compensation to the employee, it is possible to make a specialized marketing to the customer who becomes a PB customer, there is an advantage that can make more profits.

Claims

Checking at least one customer account information corresponding to a customer requesting a predetermined financial transaction in a predetermined information checking means, and confirming whether the financial transaction requesting customer can switch to a PB customer;

When the financial transaction request customer is a customer who can switch to the PB customer in a predetermined information registration means, the predetermined PB customer conversion application information provided by the customer is processed in association with the customer information and stored in a predetermined storage medium. Doing;

Calculating profit generated from the customer after converting the customer's PB customer in a predetermined profitability calculation means;

Calculating a part (or all) of the calculated profit by a predetermined reward revenue calculating means as a reward revenue of a responsible employee (or a sales office) before the PB customer conversion of the customer; And

And linking the calculated reward revenue information and information of a staff (or a sales office) prior to the PB customer conversion in a predetermined information storage means to store in a predetermined storage medium. How to Offer Employee (or Branch) Rewards for PB Customer Conversions.

The method of claim 1,

After converting the PB customer of the customer in a predetermined profitability calculation means, calculating the revenue generated from the customer,

After the customer's PB customer conversion, the financial transaction history information including at least one or more of the financial product (or account) subscription, subscription amount, subscription period, transaction amount, number of transactions of the customer during a predetermined financial transaction period Doing; And

Computing the employee (or branch) compensation for the PB customer conversion, characterized in that it comprises the step of calculating the revenue generated through the customer with reference to the confirmed financial transaction history information of the customer.

A computer-readable recording medium having recorded thereon a program for executing the method of claim 1 or 2.

Information checking means for checking whether at least one customer account information corresponding to a customer requesting a predetermined financial transaction is possible to convert the PB customer of the financial transaction request customer;

Information registration means for processing the predetermined PB customer conversion request information provided by the customer in association with the customer information and storing the requested PB customer conversion information in a predetermined storage medium when the financial transaction request customer is a customer who can switch to the PB customer;

Profitability calculation means for calculating profit generated from the customer after the PB customer conversion of the customer;

Compensation revenue calculation means for calculating a part (or all) of the calculated revenue as compensation revenue of a responsible employee (or a sales office) prior to converting the customer's PB customer; And

And information storage means for linking the calculated reward revenue information with the information of the employee (or sales office) prior to the PB customer conversion of the customer and storing the information in a predetermined storage medium. Employee (or branch) compensation provision system.