KR20090001893A - System and method for corporation management account application and program recording medium - Google Patents

Abstract

A corporation management account operating method, a system, and a recording medium are provided to satisfy requirements of a customer who wants protection and assurance of stability of assets invested, thereby creating profits through inducement of new customers. When a predetermined corporation management account is opened in a predetermined trust company, a storage medium(1535) stores account information corresponding to the corporation management account, window transactions blocking information for blocking window transactions of the corporation management account, CC(Center Cut)-transaction attribute information for activating CC transactions only of a head office of the corporation management account, and trust company information for operating the corporation management account in connection altogether. An information confirming unit(1515) confirms whether predetermined financial transactions corresponding to the corporation management account occur. A transaction approval unit(1520) blocks financial transactions corresponding to the corporation management account in connection with the storage medium.

Description

System and Method for Corporation Management Account Application and Program Recording Medium}

1 is a diagram showing a corporate management account management system configuration according to an embodiment of the present invention.

2 is a diagram illustrating a system of establishing a face-to-face corporation management account for limiting the withdrawal of another corporation management account such as an investment association according to an exemplary embodiment of the present invention.

FIG. 3 is a diagram illustrating an implementation method in which a storage medium for storing account operation information corresponding to a corporate management account opened in a face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

Figure 4 is a storage medium for storing the account management information corresponding to the corporate management account opened in a face-to-face in accordance with another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

FIG. 5 is a diagram illustrating an implementation method including a DBMS provided in a banking server in which a storage medium storing account operation information corresponding to a corporate management account opened in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a process of opening a corporate management account for withdrawal restrictions on other corporate management accounts such as an investment association in a face-to-face manner according to an exemplary embodiment of the present invention.

7 is a diagram illustrating a process of opening a corporate management account for limiting the withdrawal of other corporate management accounts such as an investment association in a face-to-face manner according to another exemplary embodiment of the present invention.

8 is a diagram illustrating a process of opening a corporate management account for withdrawal restrictions on other corporate management accounts such as an investment association in a face-to-face manner according to another exemplary embodiment of the present invention.

9 is a diagram illustrating a non-face-to-face corporate management account opening system for limiting the withdrawal of another corporate management account such as an investment association according to another exemplary embodiment of the present invention.

FIG. 10 is a diagram illustrating an implementation method in which a storage medium for storing account operation information corresponding to a corporate management account opened in a non-face-to-face manner is provided in a DBMS on a financial system according to an embodiment of the present invention.

11 is a storage medium for storing account management information corresponding to a corporate management account opened in a non-face-to-face manner according to another embodiment of the present invention includes a database associated with the ledger D / B provided in the DBMS on the financial system It is a figure which shows the implementation method.

12 is a view showing an implementation method including a DBMS provided in a banking server a storage medium storing account management information corresponding to a corporate management account opened in a non-face-to-face manner according to another embodiment of the present invention. .

FIG. 13 is a diagram illustrating a process of opening a corporate management account for withdrawal restriction for another corporate management account such as an investment association in a non-face-to-face manner according to an exemplary embodiment of the present invention.

14 is a view showing a process of opening a corporate management account for withdrawal restrictions on other corporate management accounts, such as investment associations according to an embodiment of the present invention.

15 is a view showing a corporate management account operating system for withdrawal restrictions on other corporate management accounts, such as investment associations in accordance with the implementation method of the present invention.

16 is a view illustrating a process of processing information for confirming and approving a transaction request of a corporate management account transmitted from a terminal device and processing a transaction request of a corporate management account according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: terminal device 103: financial company server

105: financial company server 110: financial account management server

115: Financial system 120: Ledger D / B

The present invention, when opening a predetermined corporate management account in a given trust company, the account information in the predetermined information storage means, the window transaction blocking information for blocking the window transaction of the corporate management account, the headquarters CC of the corporate management account (Center-Cut) linking the CC transaction attribute information for activating only the transaction with the information on the consignment company operating the corporate management account, and storing the information in a predetermined storage medium, and in connection with the storage medium in a predetermined information checking means. Checking whether a predetermined financial transaction corresponding to the corporate management account occurs; and if the financial transaction occurrence of the corporate management account is confirmed as a result of the verification, the financial transaction corresponding to the corporate management account is determined by the predetermined transaction checking means. And confirming whether the financial transaction corresponding to the corporate management account is the headquarters CC transaction, the predetermined transaction approval means. Approving a financial transaction corresponding to the corporate management account in association with the storage medium, and if the financial transaction is not a headquarters CC transaction, blocking the financial transaction corresponding to the corporate management account in connection with the storage medium. It relates to a corporate management account management method.

In order to secure the safekeeping of investment cooperative assets of a start-up investment company and the investment commitment assets of corporations, the relevant departments of the corporation usually entrusted the management of the assets to external organizations.

However, the seal used by the trustee when opening an account for cash asset management among the current consignment management trust assets is used. There is a problem that it is not possible to secure the stability of the account.

An object of the present invention for solving the above problems is, when opening a predetermined corporate management account in a given trust company, the account information corresponding to the corporate management account, and the window transaction blocking information for blocking the window trading of the corporate management account And a storage medium for linking and storing CC transaction attribute information for activating only a central center (Cut-Cut) transaction of the corporation management account, information on a consignment company operating the corporation management account, and the storage medium in connection with the storage medium. Information verification means for confirming whether a predetermined financial transaction corresponding to the corporate management account occurs; and if the financial transaction occurrence of the corporate management account is confirmed as the result of the verification, transaction confirmation for confirming whether the financial transaction corresponding to the corporate management account is the headquarters CC transaction Means and, if the financial transaction corresponding to the corporate management account is the headquarters CC transaction, the law in association with the storage medium. Approving a financial transaction corresponding to the management account, if the financial transaction is not the headquarters CC transaction, provides a corporate management account management system having a transaction approval means for intercepting the financial transaction corresponding to the corporate management account in connection with the storage medium Is in.

The corporate management account management system according to the present invention includes account information corresponding to the corporate management account, window transaction blocking information for blocking a window transaction of the corporate management account, when a predetermined corporate management account is opened at a predetermined trust company. A storage medium for storing the CC transaction attribute information for activating only the central center (Cut-Cut) transaction of the corporate management account, information on a consignment company operating the corporate management account, and the storage medium in association with the storage medium. Information verification means for confirming whether a predetermined financial transaction corresponding to the corporate management account occurs; and if the financial transaction occurrence of the corporate management account is confirmed as the result of the verification, transaction confirmation for confirming whether the financial transaction corresponding to the corporate management account is the headquarters CC transaction Means and the corporation in association with the storage medium if the financial transaction corresponding to the corporation management account is the headquarters CC transaction. Authorize financial transactions corresponding to the account, and Li, the financial transactions to headquarters CC if the transaction, characterized in that made in conjunction with the storage medium includes a transaction authorization means for blocking a financial transaction corresponding to the corporate administrative account.

In the corporate management account management system according to the present invention, the counter transaction blocking information blocks a financial transaction requested through a predetermined window corresponding to the corporate management account, or predetermined financial automation in response to the corporate management account. Block the financial transaction requested through the device, or block the financial transaction requested through the non-face-to-face financial transaction channel in response to the corporate management account.

On the other hand, the corporate management account operating method according to the present invention, when opening a predetermined corporate management account in a given trust company, the window transaction blocking to block the window information of the account information and the corporate management account in the predetermined information storage means Storing information in a predetermined storage medium in association with information, CC transaction attribute information for activating only a center-cut (CC) transaction of the corporate management account, and information on a consignment company operating the corporate management account; Confirming whether a predetermined financial transaction corresponding to the corporate management account occurs in connection with the storage medium in the information checking means; and if the financial transaction of the corporate management account is confirmed as the result of the checking, the legal entity in the predetermined transaction checking means Confirming whether the financial transaction corresponding to the management account is a headquarters CC transaction, and as a result of the verification, the financial transaction corresponding to the corporate management account is viewed. If it is a sub-CC transaction, the predetermined transaction approval means approves a financial transaction corresponding to the corporate management account in association with the storage medium, and if the financial transaction is not a headquarter CC transaction, responds to the corporate management account in connection with the storage medium. Characterized in that it comprises a step of blocking a financial transaction.

In the meantime, it includes a recording medium recording a program for executing the above-described method for managing a corporation management account.

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. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users and operators. Therefore, the definition should be made based on the contents throughout the present invention.

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

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

As a result, the technical spirit of the present invention is determined by the claims, and the following embodiments 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's just

1 is a diagram showing the configuration of a corporation management account management system according to an embodiment of the present invention.

More specifically, Figure 1 is for the configuration of a corporate management account management system that is operated to limit the withdrawal of other stores for other corporate management accounts (or CC (center cut) dedicated account for corporate management purposes), such as investment associations, Those skilled in the art to which the present invention belongs, the corporate management account management system for restricting the withdrawal of other stores of the corporate management account by referring to and / or modified the configuration of the corporate management account management system shown in FIG. Various implementation methods for the configuration may be inferred, but the present invention is characterized by including all the implementation methods inferred above, and is not limited to the corporate management account management system configuration shown in FIG.

Referring to FIG. 1 according to an embodiment of the present invention, the corporate management account management system includes a financial company server (103, 105) for establishing a corporate management account for restricting another store withdrawal (or window withdrawal), and the corporate management account. It includes a financial account management server that prevents the withdrawal of money deposited through other store withdrawals (or withdrawal of the window), is managed to withdraw only by the headquarters CC business, and the financial system 115 opened the corporate management account Characterized in that made.

The financial company server 103, 105 is a window provided to a predetermined financial institution by a predetermined customer, preparing an application for opening a corporate management account including at least one predetermined trust company information, corporate management account information, and account attribute information. The financial institution may open a corporate management account for limiting the withdrawal of other corporate management accounts, such as the investment association, based on the account opening application information corresponding to the application for opening the corporate management account, and the corporate management account. It is characterized in that the account management information for managing the generated and stored in a predetermined storage medium, a preferred embodiment of the corporate management account opening system including the financial company server 103, 105 will be described in detail as shown in FIG. .

The financial account management server 110, the financial account management server based on the account management information stored in the storage medium the corporate management account opened by the financial company server 103 (105) based on the account opening application information Characterized in that the (110) operating to achieve withdrawal restrictions on other corporate management accounts, such as the investment association, the preferred embodiment of the corporate management account management system including the financial account management server 110 is shown in Figure 16 It demonstrates in detail to the following.

The financial system 115 stores and operates ledger information corresponding to a corporate management account opened for the purpose of limiting the withdrawal of other corporate management accounts, such as investment associations, and occurs in at least one branch (or window). An accounting system that handles window services such as credit or receiving or trust or foreign exchange; an information system that processes headquarters operations, branch office information support and customer information management; and the financial system 115 and at least one other financial system. 115 (or payment systems) interconnection, 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.) provided in at least one external communication network Access to the financial system 115, or through at least one common network (eg CD common network, financial common network) And an external module that provides a financial transaction interface, and the financial system 115 includes an interface module corresponding to a middleware platform that provides interfacing between components in the financial system 115. And at least one database for storing and managing predetermined information (eg, ledger information, customer information, or management information, etc.) required for each function in the components of the financial system 115. Characterized in that it comprises a DBMS (DataBase Management System).

In FIG. 1, the corporation management account management system is illustrated and described as the financial company server 103 and 105 and the financial account management server 110, but the present invention is not limited thereto. The corporate management account management system may consist of one server (or device) or at least two or more servers (or devices), and each component constituting each of the servers shown above according to the intention of a person skilled in the art. Clearly, it can be implemented as a separate server.

2 is a diagram illustrating a system for establishing a face-to-face corporation management account for limiting the withdrawal of another corporation management account such as an investment association according to an embodiment of the present invention.

In more detail, Figure 2 shows that a given customer prepares an application for opening a corporate management account including at least one of a specified trustee information, a corporate management account information, and account attribute information. Upon submission, the financial institution opens a corporate management account for the purpose of limiting the withdrawal of other corporate management accounts, such as the investment association, based on the account opening application information corresponding to the application for opening the corporate management account, and opens the corporate management account. The present invention relates to a system configuration for storing account management information for management in a predetermined storage medium 275. Those skilled in the art to which the present invention pertains may refer to or modify this drawing 2 to form an investment association or the like. It would be possible to infer various methods of constructing a corporate management account opening system to restrict withdrawal of corporate management accounts. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 2, and the corporate management account opening system omitting the method of storing the corporate management account opening electronic document in the electronic document storage. The configuration can be inferred, and the DBMS in which the electronic document repository is located in the corporate management account opening system, in addition to the implementation method shown in FIG. 2, is also stored in the electronic document storage in the corporate management account opening electronic document. It will be possible to infer an implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, in the implementation method of generating the corporate management account opening electronic document as shown in FIG. 2, the corporate management account opening electronic document corresponding to the corporate management account opening application form on the server side on the corporate management account opening system Although the present invention is illustrated as being generated by the present invention, the present invention is not limited thereto, and the corporate management account opening electronic document is a terminal that acquires image content corresponding to the corporate management account opening application through a predetermined image acquisition device. It may be generated on the side (for example, the electronic document generation function provided on the server side is provided on the terminal side to generate the corporate management account opening electronic document), thereby the present invention is not limited.

Hereinafter, the customer opens the corporate management account in response to the corporate management account opening application and the account opening application information prepared by the customer through a predetermined financial account opening interface on the corporate management account opening system shown in FIG. For example, a component corresponding to at least one or more means or functional configurations for generating a predetermined corporate management account opening electronic document and storing the predetermined electronic document storage in a predetermined electronic document storage is referred to as a "financial company server 103" for convenience.

In addition, the subject that submits the application for opening a corporate management account on the corporate management account opening system shown in the configuration of the present invention is a financial institution such as a trust company, which is entrusted with the investment amount of another corporation, such as an investment association, The responding entity is called the “customer” for convenience.

Referring to FIG. 2 according to an embodiment of the present invention, a corporate management account opening system for limiting the withdrawal of another corporate management account, such as the investment association, is provided at a window terminal provided in at least one branch (or branch) of a financial institution. Characterized in that it comprises a terminal device 100 including a, the terminal device 100 is connected to the financial company server 103 provided on the corporate management account opening system through a predetermined financial network and the communication channel is connected do.

According to one embodiment of the present invention, the customer visits the financial institution branch (branch branch) for withdrawal restrictions on other corporate management accounts such as the investment association, and through a window provided in the financial institution branch branch (branch branch). Application form for opening a predetermined corporate management account for limiting the withdrawal of another corporate management account such as the investment association (eg, through the counter staff) (e.g., at least one or more information for withdrawal restriction for other corporate management accounts such as the investment association) A document having a form for filling out an item), wherein the customer is to seal the customer's seal for legal reasons on the application for opening the corporate management account.

Subsequently, when the customer submits the prepared corporate management account opening application to the counter employee, the counter staff scans the corporate management account opening application through a predetermined image acquisition device to obtain predetermined image contents, and then selects a predetermined counter. Account opening application information including at least one image content obtained in response to the application for opening a corporate management account through the terminal, at least one trust company information written in the corporate management account opening application, corporate management account information, and account attribute information. In response thereto, it is preferable that the counter terminal transmits the image contents and the account opening application information to the financial company server 103 provided on the corporate management account opening system through the financial network. .

Here, the window terminal preferably comprises a financial terminal used by employees of the branch (or branch) of the financial institution, the financial company server 103 connected to the window terminal is on the predetermined financial system 115 It is preferable to include a provided server (for example, ledger server, etc.), the financial network connecting the teller terminal and the financial company server 103 is a step of connecting the communication channel between the teller terminal and the financial company server 103 It is preferable to comprise a network.

In the corporate management account opening system as described above, an image acquisition device for acquiring image content corresponding to the corporate management account opening application created by the customer, the window terminal used by the employee, the window terminal and the financial company server 103 The financial network linking) performs a function of a financial account opening interface for registering the account opening application information for the customer to withdraw the withdrawal of another corporate management account such as the investment association.

The storage medium 275 provided on the corporate management account opening system according to the present invention includes the account information, the window transaction blocking information, and the CC transaction included in the account opening application information provided from the terminal device 100. And account information including at least one attribute information and at least one trust company information.

The customer information includes information on the trustee of the trustee (e.g., trade names, business registration numbers, representative telephone numbers, etc.) for financial institutions such as investment associations or corporations that combine storage and management of investment trust property; Member information of the consignment company (e.g., in the customer ledger on the financial system 115 associated with the corporate management account opening system corresponding to the consignment company by joining the consignment company as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

According to one embodiment of the invention, the storage medium 275 is preferably provided in the DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 275 may be a ledger D / B 120 provided in the DBMS on the financial system 115 or a predetermined database associated with the ledger D / B 120. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 275 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The financial company server 103 provided on the corporate management account opening system according to the present invention is a generic term for the corporate management account opening system side component connected to the terminal device 100 through a predetermined financial network. It may be implemented by including the above server (or device), 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 exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the financial company server 103 is connected to the window terminal through a predetermined financial network. It may be a ledger server provided on the server, or a server (or device) provided on the external system on the financial system 115, or a program provided on the external system on the financial system 115, and thereby the present invention. This is not limited.

According to the embodiment of the present invention, the financial company server 103 is characterized in that it comprises an interface unit 200 for connecting and managing a predetermined communication channel with the terminal device 100 through the financial network.

According to an exemplary embodiment of the present invention, when the terminal device 100 is a window terminal connected to a predetermined financial network, the interface unit 200 is based on the 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. 2, when the predetermined terminal device 100 connects a predetermined communication channel with the financial institution server 103 through the interface unit 200, the financial institution server 103 may be connected to the investment combination. In order to restrict the withdrawal of a corporate management account, image content corresponding to the corporate management account opening application prepared by the customer is obtained through a predetermined image acquisition device provided in the terminal device 100, and the application is made to the corporate management account opening application form. Generate (or extract) at least one user interface for inputting (or selecting) corresponding account opening application information to the financial institution server 103 and generating (or extracting) in connection with the interface unit 200. Interface providing unit 205 for providing the user interface to the terminal device 100 through the user interface in the terminal device 100. Information for receiving the account opening application information transmitted from the terminal device 100 in connection with the interface unit 200 when inputting (or selecting) the account opening application information corresponding to the corporate management account opening application form. If the receiver 210 and the terminal device 100 acquires and transmits image contents corresponding to the corporate management account opening application created by the customer through a predetermined image acquisition device based on the user interface, the interface unit ( It is characterized in that it comprises an image receiving unit 220 for receiving the image content corresponding to the corporate management account opening application in connection with 200).

The interface provider 205 connects a predetermined communication channel with the financial institution server 103 through the interface unit 200, and then connects the investment unit to the financial institution server 103. When requesting a user interface for withdrawal restriction for another corporate management account, the user acquires image contents corresponding to the application for opening a corporate management account created by the customer through a predetermined image acquisition device provided in the terminal device 100, Generate (or select) at least one user interface for inputting (or selecting) account opening application information corresponding to the corporate management account opening application to the financial institution server 103 through the financial network, or a predetermined database (shown in FIG. Omit) and extract the generated (or extracted) user interface in conjunction with the interface unit 200 to It is characterized in that provided through the terminal device (100).

According to another exemplary embodiment of the present invention, the terminal device 100 acquires image contents corresponding to a corporate management account opening application prepared by the customer through a predetermined image acquisition device, and accounts corresponding to the corporate management account opening application. When a predetermined information registration program having at least one user interface for inputting (or selecting) opening application information to be transmitted to the financial institution server 103 through the financial network is provided, obtaining a predetermined image as described above. Obtain image contents corresponding to the corporate management account opening application prepared by the customer through the device, input (or select) account opening application information corresponding to the corporate management account opening application, and transmit the same to the financial company server 103. Generating (or extracting) a user interface provided to the terminal device 100 Emitter mubang be omitted providing the face 205, and to which the present invention is not limited.

Thereafter, the terminal apparatus 100 inputs (or selects) account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the user interface, and the input ( Or the selected) account opening application information to the financial institution server 103 through the financial network, the corresponding information receiving unit 210 in response to the interface unit 200 from the terminal device 100 Characterized in that the received account opening application information transmitted.

In addition, the terminal device 100 obtains the image content corresponding to the corporate management account opening application prepared 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 220 receives the image content corresponding to the corporate management account opening application in connection with the interface unit 200.

According to another exemplary embodiment of the present invention, the terminal device 100 acquires image contents corresponding to a corporate management account opening application written by the customer through a predetermined image acquisition device, and is provided in the terminal device 100. When the terminal device 100 is previously stored in a predetermined storage device (or linked), the terminal device 100 corresponds to an application for opening a corporate management account created by the customer among at least one or more image contents previously stored in the storage device through the user interface. Select the image content to be transmitted to the financial institution server 103 via the financial network, in response to the image receiving unit 220 in response to the application for opening the corporate management account in connection with the interface unit 200 It is desirable to receive unknown content.

According to another embodiment of the present invention, the image content corresponding to the corporate management account opening application prepared by the customer through the user interface in the terminal device 100 and the account opening application information corresponding to the corporate management account opening application In the case of transmitting together, the information receiving unit 210 may be connected with the interface unit 200 to receive the image content and the account opening application information corresponding to the corporate management account opening application (for example, the image receiving unit) 220 is integrated into the information receiving unit 210, and the present invention is not limited thereto.

Referring to FIG. 2, when the financial institution server 103 receives the account opening application information transmitted from the terminal device 100 through the information receiving unit 210, the received account opening application information is the investment association. It is characterized in that it comprises a validity check unit for confirming that the validity for the withdrawal restrictions on other corporate management account.

According to the method of the present invention, the validity confirmation of the account opening application information is at least matched with the account opening application information on the ledger D / B 120 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 120 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information, the information contained in the account opening application information, the company information on the ledger D / B (120) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

Referring to FIG. 2, the financial institution server 103 receives the image content transmitted from the terminal device 100 through the image receiving unit 220, and validates the account opening request information through the validity checking unit. When the authentication is authenticated, an electronic document generation unit 225 for generating a predetermined corporate management account opening electronic document including the received image content and the generated corporate management account opening electronic document are linked to the corporate management account opening system. It is characterized by comprising an electronic document transmission unit 230 for transmitting to the electronic document storage.

The electronic document generating unit 225 generates a corporation management account opening electronic document including the image content received from the terminal device 100 through the image receiving unit 220.

According to the exemplary embodiment of the present invention, the electronic document generating unit 225 receives the image file including the image content received from the terminal device 100 through the image receiving unit 220 as it is, such as the investment combination. It is preferable to process the electronic document to open a corporate management account to limit the withdrawal of the corporate management account.

Alternatively, the electronic document generation unit 225 is entrusted with the account opening application information received through the information receiving unit 210 to the image content received from the terminal device 100 through the image receiving unit 220. To restrict the withdrawal of an image file corresponding to an image content including at least one of company information, corporate management account information, and account property information by watermarking, for another corporate management account such as the investment association. It is preferable to create an electronic document for opening a corporate management account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 225 may include a predetermined document file (eg, PDF) including the image content received from the terminal device 100 through the image receiving unit 220. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC or the like, or web document file including MHT). It is preferable to create an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of the corporate management account.

Alternatively, the electronic document generation unit 225 is entrusted with the account opening application information received through the information receiving unit 210 to the image content received from the terminal device 100 through the image receiving unit 220. Generates image content including at least one of company information, corporate management account information, and account attribute information by watermarking, and includes a predetermined document file (eg, PDF) including the generated image content. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC or the like, or web document file including MHT). It is preferable to create an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of the corporate management account.

According to another exemplary embodiment of the present invention, the electronic document generator 225 receives the image content and the information receiver 210 received from the terminal device 100 through the image receiver 220. 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 HWP / DOC, etc.) containing the account opening application information, or an MHT; By generating a web document file, etc.), it is preferable to generate an electronic document for opening a corporate management account for limiting the withdrawal of other corporate management accounts such as the investment association.

Alternatively, the electronic document generation unit 225 is entrusted with the account opening application information received through the information receiving unit 210 to the image content received from the terminal device 100 through the image receiving unit 220. Generate image contents including at least one of company information, corporate management account information, and account attribute information by a watermarking method, and include predetermined image contents including the generated image contents and the account opening application information. By generating a document file (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 MHT) For example, it is preferable to generate an electronic document for opening a corporate management account for limiting the withdrawal of other corporate management accounts such as the investment association.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 225 generates a corporate management account opening electronic document of the image file format or a predetermined document file format, and the corporate management Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the account opening electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 230 transmits and stores the corporate management account opening electronic document generated by the electronic document generating unit 225 to a predetermined electronic document repository associated with the corporate management account opening system. It is done.

As shown in FIG. 2, the electronic document repository is connected to the financial company server 103 on the corporate management account opening system with a predetermined electronic document server 250 and electronic document D / B 270 linked through predetermined communication means. When provided externally, the electronic document transmission unit 230, the electronic document server 250 via the communication means to open the corporate management account opening electronic document generated by the electronic document generation unit 225 It is characterized in that for transmitting.

Here, when the electronic document server 250 and the electronic document D / B 270 is provided outside the corporate management account opening system, the electronic document server 250 and the electronic document D / B 270 It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document repository is provided on a DBMS provided in the corporation management account opening system, the electronic document transmission unit 230 is generated by the electronic document generation unit 225. The corporate management account opening electronic document may be stored in the electronic document D / B 270 corresponding to the electronic document storage on the DBMS provided in the corporate management account opening system, and the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 230 is electronic document related information for generating predetermined electronic document management information in the electronic document server 250 (eg, corporate management corresponding to the image content) Sending the information to the electronic document repository further including customer information on which an application for opening an account is made, financial institution information for transmitting the corporate management account opening electronic document, or electronic document file format information, or the account opening application information. It is possible, and the invention is not limited thereby.

Referring to FIG. 2, the financial institution server 103 authenticates the validity of the account opening application information received through the information receiving unit 210 through the validity confirming unit for withdrawal restrictions on other corporate management accounts such as the investment association. And the information generating unit 235 for generating the financial account information based on the trustee information, the corporate management account information, and the account attribute information included in the account opening application information that has been validated. It is characterized in that it comprises an account opening section 240 for opening and processing a financial account in the name of the customer containing information.

When the validity of the account opening application information is confirmed by the validity confirming unit, the information generating unit 235 is based on the trustee information, the corporate management account information, and the account attribute information included in the account opening application information. It characterized in that for generating the financial account information.

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

The account opening unit 240 generates a customer ledger including corporate information included in the financial account opening application information in connection with the financial system 115 (or checks the customer ledger that is matched with the corporate information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the account opening application information. It is characterized in that the opening and processing of a predetermined financial account for the withdrawal restrictions on other corporate management accounts.

According to an exemplary embodiment of the present invention, when the financial company server 103 and the financial system 115 exist in the same system, the account opening unit 240 is connected to the financial system 115 in the ledger D / B. It is desirable to create a predetermined ledger at 120 that includes financial account information.

According to another exemplary embodiment of the present invention, when the financial institution server 103 and the financial system 115 exist on another system connected through a predetermined communication means, the account opening unit 240 may use predetermined communication means. It is preferable to request the ledger D / B 120 on the other financial system 115 to generate a predetermined ledger including the financial account information through an external system on the financial system 115 through.

Referring to FIG. 2, the financial institution server 103 authenticates the validity of the account opening application information received through the information receiving unit 210 through the validity confirming unit for withdrawal restrictions on other corporate management accounts such as the investment association. When the storage medium 275 includes the account information including the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information, the account information included in the account opening application information that has been validated. And an information storage unit 245 to be stored.

When the validity of the account opening application information is confirmed by the validity checking unit, the information storage unit 245 may include the account information, the window transaction blocking information, the CC transaction attribute information, and the like. And storing the account management information including at least one trust company information in the storage medium 275.

According to an exemplary embodiment of the present invention, when the storage medium 275 is provided in the financial company server 103 or on the network connected to the financial company server 103, the information storage unit 245 may be configured as the storage medium 275. Preferably, the storage medium 275 stores the account information including the account information, the window transaction blocking information, the CC transaction attribute information, and the trust company information included in the received account opening application information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 275 is provided in the DBMS provided on the financial system 115, the information storage unit 245 is included in the received account opening request information. The account management information including at least one of account information, counter transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the information system through the external system on the financial system 115. It is preferable to store in the DBMS provided in.

Referring to FIG. 2, an electronic document that receives a predetermined corporate management account opening electronic document from the financial company server 103 provided on the corporate management account opening system and stores and manages the electronic document D / B 270 in a predetermined electronic document D / B 270. The document server 250 includes an electronic document receiving unit 255 for receiving a predetermined corporate management account opening electronic document from the financial institution server 103 through a predetermined communication means, and the received corporate management account opening electronic document. An information generation unit 260 for generating predetermined electronic document management information for storage and management in the electronic document D / B 270, and the electronic document management information and the corporate management account opening electronic document are linked to each other. And an electronic document storage unit 265 for storing in the electronic document D / B 270.

The electronic document receiving unit 255 is characterized in that for receiving the corporate document opening electronic document in the form of an image file or a document file from the financial institution server 103 through the communication means.

According to an embodiment of the present invention, the corporate document opening electronic document received by the electronic document receiving unit 255 through the communication means is the image content received by the financial company server 103 from the terminal device (100) It is preferable that the image file is included as it is.

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 255 through the communication means may be applied to the account opening request information on the image content received by the financial institution server 103 from the terminal device 100. It is preferable to include an image file corresponding to the image contents including at least one of the included trustee information, corporate management account information, and account attribute information by a watermarking method.

According to another exemplary embodiment of the present invention, the corporate document opening electronic document received by the electronic document receiving unit 255 through the communication means is an image content received by the financial company server 103 from the terminal device 100. 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 including an MHT) File).

Alternatively, the electronic management document opening electronic document received by the electronic document receiving unit 255 through the communication means is included in the account opening application information in the image content received by the financial institution server 103 from the terminal device 100. A predetermined document file (e.g., a Portable Document Format (PDF) file) including image contents including at least one selected information of a consigned company information, corporate management account information, and account attribute information by a watermarking method; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the corporate document opening electronic document received by the electronic document receiving unit 255 through the communication means is an image received by the financial company server 103 from the terminal device 100. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC, etc.) containing at least one content and the account opening request information, or Web document file including MHT).

Alternatively, the electronic management document opening electronic document received by the electronic document receiving unit 255 through the communication means is included in the account opening application information in the image content received by the financial institution server 103 from the terminal device 100. A predetermined document file (eg, PDF) including image contents including the information of the entrusted company, corporate management account information, and account attribute information by watermarking, and the account opening request information. A Portable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

The information generating unit 260 is a predetermined electronic document unique number (or unique information) to be assigned to the corporate management account opening electronic document received through the electronic document receiving unit 255, and through the electronic document receiving unit 255 And generating electronic document management information including electronic document storage date and time information including a date and time at which the corporate management account opening electronic document was received (or a date and time at which the corporate management account opening electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 260 refers to the corporate finance company 103 that transmits the corporate management account opening electronic document received through the electronic document receiving unit 255, and manages the corporation. It is preferable to confirm the financial institution that sent the account opening electronic document, and to generate electronic document management information further including the confirmed financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial institution server 103 through the electronic document receiving unit 255, the information generating unit 260 may receive the received electronic document. Document-related information (e.g., customer information for creating a corporate management account opening application corresponding to the image content, financial institution information for transmitting the corporate management account opening electronic document, electronic document file format information, or the account opening application information) It is preferable to generate the electronic document management information further including).

The electronic document storage unit 265 associates a corporate management account opening electronic document received through the electronic document receiving unit 255 with electronic document management information generated through the information generating unit 260 to process a predetermined electronic document. It is characterized in that the storage in the D / B (270).

According to the exemplary embodiment of the present invention, the corporate document opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is the financial company server 103 by the terminal device 100. It is preferable that the image file including the image content received from the image is included as it is.

Alternatively, the corporate document opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may be stored in the image content received by the financial institution server 103 from the terminal device 100. It is preferable to include an image file corresponding to the image content that includes at least one or more information of the consignment company information, corporate management account information, and account attribute information included in the account opening application information by watermarking method (Watermarking) Do.

According to another exemplary embodiment of the present invention, a corporate management account opened electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 is the financial company server 103 by the terminal device 100. A word processor file including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including image content received from It is preferable that the web document file including a).

Alternatively, a corporate management account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the image content received by the financial institution server 103 from the terminal device 100. Predetermined document files (e.g., PDFs) including image contents including the information on the consignment company included in the account opening application information, the corporate management account information, and at least one of the account attribute information by watermarking. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, a corporate management account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the financial company server 103 using the terminal device ( At least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content received from the 100 and the account opening request information. A word processor file, or a web document file including MHT).

Alternatively, a corporate management account opening electronic document stored in the electronic document D / B 270 by the electronic document storage unit 265 may include the image content received by the financial institution server 103 from the terminal device 100. Predetermined documents including the information on the consignment company included in the account opening application information, the corporate management account information, and at least one or more information of the account attribute information by watermarking and the account opening application information. A file (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, or a web document file including an MHT). It is preferable.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 270 by the electronic document storage unit 265 in association with the corporate management account opening electronic document is stored in the corporate management account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the opened 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 270 by the electronic document storage unit 265 in association with the corporate management account opening electronic document is stored in the corporate management. The financial institution server 103 that has transmitted the account opening electronic document preferably further includes information on the financial institution that has transmitted the corporate management account opening electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the financial company server 103, the electronic document storage unit 265 performs a process of linking with the corporate management account opening electronic document. The electronic document management information stored in the electronic document D / B 270 may include the received electronic document-related information (for example, customer information in which a corporate management account opening application form corresponding to the image content is prepared, or the corporate management account opening electronic). Financial institution information for transmitting a document, electronic document file format information, or the like.

FIG. 3 illustrates an implementation method in which a storage medium 275 for storing account operation information corresponding to a corporate management account opened in a face-to-face manner is provided in a DBMS on a financial system 115 according to an embodiment of the present invention. to be.

In more detail, in FIG. 3, the storage medium 275 illustrated in FIG. 2 is the ledger D / B 300 provided in the DBMS on the financial system 115 or the ledger D / B 300. In this case, the information structure for an embodiment of the method for storing the account management information in the ledger information provided in the ledger D / B (300), if the person of ordinary skill in the art It will be able to infer various information configuration methods for storing the account management information in the ledger D / B 300 by referring to or modifying the drawing 3, but the present invention includes all the inferred implementation method, this figure It is not limited only to the implementation method shown in 3.

Referring to FIG. 3 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 300 provided in the DBMS on the financial system 115 is associated with a predetermined customer ledger and the customer ledger. The account ledger corresponding to the financial account opened through the corporate management account opening system shown in FIG. 2 and at least one information associated with the account ledger are included. If the person having, the ledger D / B (300) provided in the DBMS on the financial system 115 has at least one ledger (for example, ledger, loan ledger, collateral, in addition to the customer ledger and account ledger shown in Figure 3) Ledger, ... etc.) or at least one or more additional information for maintaining and managing the ledgers, it will be apparent that Since there is a read period, wherein the detailed description thereof will be omitted for convenience.

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

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

In addition, the account ledger is linked to the customer ledger in a relational manner, and as a ledger corresponding to the financial account, account information (or securities 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account information, withdrawal (months), period ( Number of days), periodic extension, maturity date, and at least one of the target amount, or at least one of the account information corresponding to the account ledger, the amount of trust, the par value, the pension date and the number of shares Trust reception information, or account information corresponding to the ledger, transaction number, date, point number, product type, transaction type, cash amount, other ticket, batch number (Batch No.), complex transaction, date of settlement, bank account line Transaction history information including at least one of the above, a brief description, and a CIF.

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

Referring to FIG. 3, wherein the storage medium 275 is the ledger D / B 300, or includes an implementation method provided in the ledger D / B 300, according to an embodiment of the present invention, Account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information provided through the corporate management account opening system shown in FIG. And is stored in the form of additional information added to the account ledger.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

According to another exemplary embodiment of the present invention, the account opening request information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

4 shows a ledger D / B having a storage medium 405 for storing account management information corresponding to a corporate management account opened in a face-to-face manner according to another embodiment of the present invention in a DBMS on the financial system 115; A diagram illustrating an implementation method including a database associated with 400.

In more detail, FIG. 4 illustrates an embodiment in which the storage medium 405 illustrated in FIG. 2 includes a predetermined database linked to the ledger D / B 400 provided in the DBMS on the financial system 115. As shown in FIG. 4, if the person skilled in the art of the present invention belongs to the related art, the account management information is linked to the ledger D / B 400 in a predetermined database by referring to or modifying the present invention. Although various information construction methods for processing and storing may be inferred, the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, FIG. 4 illustrates a case in which it is not easy to store the account operation information in the ledger information of the ledger D / B 400 on the DBMS provided on the financial system 115 (for example, in the policy of a financial institution, the DBMS). It is not easy to change the ledger D / B 400 of the account, or the system expansion is not easy due to the nature of the financial system 115), the account operation in a predetermined database instead of the ledger D / B 400 It shows an implementation method of storing the information, the database and the ledger D / B (400) in a cooperative process.

In addition, the database shown in FIG. 4 does not have to be provided on the DBMS provided on the financial system 115 as in the embodiment shown in FIG. 4, and the database on the Internet banking system according to the intention of the person skilled in the art, Or a database on a telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

According to another embodiment of the present invention, referring to FIG. 4, the storage medium 405 includes a database associated with the ledger D / B 400 provided in the DBMS on the financial system 115. And the account operation information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the trust company information included in the account opening application information. Preferably, the account management information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B 400.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignee information is characterized in that the seal of the financial institution, including the consignee that opened the corporate management account is configured to convert to the image data.

FIG. 5 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 405 for storing account operation information corresponding to a corporate management account opened in a face-to-face manner according to another exemplary embodiment of the present invention. Drawing.

In more detail, FIG. 5 shows a DBMS in which the storage medium 405 shown in FIG. 2 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention belongs, the account management stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present invention It will be possible to infer an information construction method for information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

According to another exemplary embodiment of the present invention, referring to FIG. 5, in which the storage medium 405 includes a DBMS provided in a banking server, a predetermined DBMS provided in the banking server is applied to the account opening request information. And storing the account information including at least one of the account information, counter transaction blocking information, CC transaction attribute information, and consignment company information.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

6A and 6B illustrate a process of establishing a corporate management account for limiting the withdrawal of other corporate management accounts such as an investment association in a face-to-face manner according to an exemplary embodiment of the present invention.

6a and 6b show a terminal terminal in which a terminal device 100 on a corporate management account opening system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the financial institution server 103 is predetermined. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network of a corporation, a corporate management account for a predetermined customer to withdraw the withdrawal of another corporate management account such as an investment association In order to open a corporate management account opening application form including at least one or more of the consignment company information, corporate management account information, and account attribute information, the financial institution may face-based the application method based on the application for opening a corporate management account. A system configuration for opening and processing a corporate management account, specifically, wherein the client prepares an application for opening a corporate management account and When the request is made, the window terminal acquires a predetermined image content corresponding to the corporate management account opening application through a predetermined image acquisition device, transmits the predetermined image content to the financial institution server 103, and then corresponds to the corporate management account opening application. Entering (or selecting) the account opening application information to be sent to the financial institution server 103, the financial institution server 103 includes at least one or more of the trustee information, corporate management account information, account attribute information The implementation method of opening and processing the corporate management account based on the account opening application information is shown.

Those skilled in the art to which the present invention pertains, various reference methods inferring or modifying the account opening application information to the financial company server 103 at the window terminal by referring to or modifying the drawings 6a and 6b. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 6A and 6B.

For example, although the implementation method illustrated in FIGS. 6A and 6B includes a process of generating a predetermined electronic document corresponding to the corporate management account opening application and storing it in an electronic document repository, the process is intended to be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 6A and 6B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the corporate management account opening application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) account opening application information corresponding to the corporate management account opening application is illustrated and provided from the financial institution server 103, a predetermined information registration program is provided at the window terminal. In this case, the user interface may not be provided from the financial institution server 103, and thus the present invention is not limited thereto.

In the following Figures 6a and 6b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 103 shown in Figure 2 is referred to as "server" for convenience.

Referring to FIGS. 6A and 6B, in order to limit a withdrawal of a predetermined customer from another corporate management account such as an investment association, a corporate management account including at least one trust company information, corporate management account information, and account attribute information is opened. After completing and submitting the application form, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel, such as an investment association corresponding to the application for opening a corporate management account. When requesting a user interface for limiting the withdrawal of the management account (600), the server corresponding to the predetermined image content corresponding to the corporate management account opening application created by the customer through the predetermined image acquisition device in the terminal Generate (or extract) a user interface for acquiring and transmitting to the server (605); The generated (or extracted) user interface is transmitted to the terminal and output (operation 610).

Thereafter, the terminal acquires image content corresponding to the corporate management account opening application through a predetermined image acquisition device based on the user interface (615).

If image content corresponding to the corporate management account opening application is obtained through the image acquisition device (620), the terminal transmits the obtained image content to the server through the financial network (625).

Subsequently, the server inputs (or selects) account information corresponding to the corporate management account opening application matching the image content, account management application information and account opening application information including at least one or more account attribute information. A user interface for transmitting to the server is generated (or extracted) (630), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (635).

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the trustee information, the corporation management account information, and the account attribute information through the user interface (640).

If the account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information is input (or selected) through the user interface (645), the terminal connects to the financial network. The input (or selection) of the account opening application information is transmitted to the server (650).

Thereafter, the server receives and reads the account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the financial network to confirm the validity of the account opening application information. (655).

According to the method of the present invention, the validity confirmation of the account opening application information is at least matched with the account opening application information in the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information is the information contained in the account opening application information, the company information on the ledger D / B (400) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

If the validity of the account opening application information is not authenticated (660), the server generates predetermined financial account error information and transmits it to the terminal (665), and opens a corporate management account corresponding to the account opening application information. Do not perform the procedure.

On the other hand, if the validity of the account opening application information is authenticated (660), the server generates a predetermined corporate management account opening electronic document containing the image content (670).

According to an exemplary embodiment of the present invention, the server withdraws the image file including the image content received from the terminal device 100 through the image receiving unit 220 as it is to the other corporate management account, such as the investment association. It is advisable to treat it as an electronic document to open a corporate management account for restriction.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. An electronic document opening of a corporate management account for restricting the withdrawal of an account file and at least one or more of the account attribute information from the image file corresponding to the image content including a watermarking method to another corporate management account such as the investment association. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 220. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is desirable to create an electronic document for opening a corporate management account for restriction.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. Generates image contents including account information and at least one or more of account attribute information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image contents. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is desirable to create an electronic document for opening a corporate management account for restriction.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 220 and the account opening request information received through the information receiving unit 210. 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) ), It is preferable to create an electronic document opening a corporate management account for the withdrawal restrictions on other corporate management accounts such as the investment association.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. A predetermined document file (eg, PDF) including image information including account information and at least one or more of account attribute information by a watermarking method, and including the generated image content and the account opening request information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC or the like, or web document file including MHT). It is preferable to create an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of the corporate management account.

In the technical field to which the present invention pertains, technical features for generating a corporate management account opening electronic document in an image file format or a predetermined document file format correspond to the technical features and the corporate management account opening electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created corporate management account opening electronic document in a predetermined electronic document storage (675).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 associated with a server on the corporation management account opening system through predetermined communication means. When provided outside, the server preferably transmits the generated corporate management account opening electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the corporate management account opening system, the server may send the generated corporate management account opening electronic document to the DBMS provided in the corporate management account opening system. It is possible to store in the electronic document D / B 270 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the corporate management account opening electronic document in the electronic document storage, as shown in Figure 2 by linking the generated corporate management account opening electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably comprises a predetermined electronic document unique number (or unique information) assigned to the corporate management account opening 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 corporate management account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a corporate management account opening application corresponding to the image content, financial institution information for transmitting the corporate management account opening electronic document, or electronic). Document file format information or the account opening application information).

If the electronic document opening electronic document is stored in the electronic document repository (680), the server is based on the information on the consigned company information, corporate management account information, account attribute information included in the account opening application information Create account information (685).

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 115 to include the financial company information included in the account information, corporate management account information and account management information included in the account opening application information and the account property information. Open and process a financial account (690).

According to the method of the present invention, the server generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or matched with the corporate information, the customer is already provided Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the account opening application information. It is characterized by opening a predetermined financial account for the withdrawal restrictions on other corporate management accounts, such as the investment association.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 115 exist on another system connected through a predetermined communication means, the server is configured on the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information. 405) (695).

According to an exemplary embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server may include the account information included in the received account opening request information. It is preferable to store the account management information including at least one or more window transaction blocking information, CC transaction attribute information, and at least one trust company information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in a DBMS provided on the financial system 115, the server includes the account information and the window included in the received account opening application information. Account management information including transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the DBMS provided on the financial system 115 by providing the information system through the external system on the financial system 115. It is desirable to store.

Thereafter, the server sets predetermined financial account opening history information (for example, the corporation management account opening history, or the history of storing the corporation management account opening electronic document in the electronic document repository, or the account in the storage medium 405). Details of the establishment application information) are generated (or extracted) and transmitted to the terminal (699).

According to one embodiment of the invention, the storage medium 405 is preferably provided in the DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, or may be a predetermined database associated with the ledger D / B 400, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 405 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

7A and 7B illustrate a process of establishing a corporate management account for limiting the withdrawal of other corporate management accounts such as an investment association in a face-to-face manner according to another exemplary embodiment of the present invention.

7a and 7b show a terminal terminal in which a terminal device 100 on a corporate management account opening system shown in FIG. 2 is provided at a branch of a financial institution (or a branch), and the financial institution server 103 is predetermined. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network of a corporation, a corporate management account for a predetermined customer to withdraw the withdrawal of another corporate management account such as an investment association In order to open a corporate management account opening application form including at least one or more of the consignment company information, corporate management account information, and account attribute information, the financial institution may face-based the application method based on the application for opening a corporate management account. A system configuration for opening and processing a corporate management account, specifically, wherein the client prepares an application for opening a corporate management account and When submitting the information to the financial institution server 103 by inputting (or selecting) the account opening application information corresponding to the corporate management account opening application form at the window terminal, the corporate management account through a predetermined image acquisition device. Obtaining predetermined image content corresponding to the application for opening and transmitting the predetermined image content to the financial institution server 103, the financial institution server 103 includes at least one of the trustee information, corporate management account information, and account attribute information. The implementation method of opening and processing the corporate management account based on the account opening application information is shown.

Those skilled in the art to which the present invention pertains, various analogous method of registering the account opening application information to the financial company server 103 at the window terminal by referring to or modifying the drawings 7a and 7b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

For example, although the implementation method shown in FIGS. 7A and 7B includes a process of generating a predetermined electronic document corresponding to the corporate management account opening application and storing it in an electronic document repository, the process may be performed by those skilled in the art. As such, the present invention is not limited thereto.

In addition, in the method shown in FIGS. 7A and 7B including the electronic document generation and storage process, the window terminal acquires predetermined image contents corresponding to the corporate management account opening application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) account opening application information corresponding to the corporate management account opening application is illustrated and provided from the financial institution server 103, a predetermined information registration program is provided at the window terminal. In this case, the user interface may not be provided from the financial institution server 103, and thus the present invention is not limited thereto.

In the following Figures 7a and 7b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 103 shown in Figure 2 is referred to as "server" for convenience, The trustee information, corporate management account information, and account attribute information transmitted to the financial company server 103 are referred to as "account opening application information" for convenience.

Referring to FIGS. 7A and 7B, in order to limit a withdrawal of a predetermined customer from another corporate management account such as an investment association, a corporate management account including at least one trust company information, corporate management account information, and account attribute information is opened. After completing and submitting the application form, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel, such as an investment association corresponding to the application for opening a corporate management account. When requesting a user interface for limiting the withdrawal of a management account (700), in response to the server, the server receives the information on the consigned company, the corporate management account information, account property information corresponding to the application for opening the corporate management account created by the customer Create a user interface for inputting (or selecting) account opening application information including at least one or more to be transmitted to the server ( Extracts), and 705, and transmits and outputs the generated user interface (or extract) through the financial network to the mobile station (710).

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the trustee information, the corporation management account information, and the account attribute information through the user interface (715).

If the account opening application information including at least one or more of the trustee information, the corporate management account information, and the account attribute information is input (or selected) through the user interface (720), the terminal connects through the financial network. The input (or selected) account opening application information is transmitted to the server (725).

Thereafter, the server receives and reads the account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the financial network to confirm the validity of the account opening application information. (730).

According to the method of the present invention, the validity confirmation of the account opening application information is at least matched with the account opening application information in the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information is the information contained in the account opening application information, the company information on the ledger D / B (400) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

If the validity of the account opening application information is not authenticated (735), the server generates predetermined financial account error information and transmits it to the terminal (740), and opens a corporate management account corresponding to the account opening application information. Do not perform the procedure.

On the other hand, if the validity of the account opening application information is authenticated (735), the server obtains a predetermined image content corresponding to the corporate management account opening application prepared by the customer through a predetermined image acquisition device in the terminal and the server A user interface for transmitting to the terminal is generated (or extracted) (745), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (750).

Thereafter, the terminal acquires image content corresponding to the corporate management account opening application through a predetermined image acquisition device based on the user interface (755).

If image content corresponding to the corporate management account opening application is obtained through the image acquisition device (760), the terminal transmits the obtained image content to the server through the financial network (765).

The server receiving the account opening request information and the image contents from the terminal generates a predetermined corporate management account opening electronic document including the image contents (770).

According to an exemplary embodiment of the present invention, the server withdraws the image file including the image content received from the terminal device 100 through the image receiving unit 220 as it is to the other corporate management account, such as the investment association. It is advisable to treat it as an electronic document to open a corporate management account for restriction.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. An electronic document opening of a corporate management account for restricting the withdrawal of an account file and at least one or more of the account attribute information from the image file corresponding to the image content including a watermarking method to another corporate management account such as the investment association. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 220. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is desirable to create an electronic document for opening a corporate management account for restriction.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. Generates image contents including account information and at least one or more of account attribute information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image contents. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is desirable to create an electronic document for opening a corporate management account for restriction.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 220 and the account opening request information received through the information receiving unit 210. 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) ), It is preferable to generate a corporate management account opening electronic document for the withdrawal restrictions on the other corporate management account, such as the investment association.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. A predetermined document file (eg, PDF) including image information including account information and at least one or more of account attribute information by a watermarking method, and including the generated image content and the account opening request information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC or the like, or web document file including MHT). It is preferable to create an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of the corporate management account.

In the technical field to which the present invention pertains, technical features for generating a corporate management account opening electronic document in an image file format or a predetermined document file format correspond to the technical features and the corporate management account opening electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created corporate management account opening electronic document in a predetermined electronic document storage (775).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 associated with a server on the corporation management account opening system through predetermined communication means. When provided outside, the server preferably transmits the generated corporate management account opening electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the corporate management account opening system, the server may send the generated corporate management account opening electronic document to the DBMS provided in the corporate management account opening system. It is possible to store in the electronic document D / B 270 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the corporate management account opening electronic document in the electronic document storage, as shown in Figure 2 by linking the generated corporate management account opening electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the corporate management account opening 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 corporate management account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a corporate management account opening application corresponding to the image content, financial institution information for transmitting the corporate management account opening electronic document, or electronic). Document file format information or the account opening application information).

If the electronic management document opening electronic document is stored in the electronic document storage (780), the server is based on the trustee company information, corporate management account information, account attribute information included in the account opening application information Generate account information (785).

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 115 to include the financial company information included in the account information, corporate management account information and account management information included in the account opening application information and the account property information. Open and process a financial account (790).

According to the method of the present invention, the server generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or matched with the corporate information, the customer is already provided Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the account opening application information. It is characterized by opening a predetermined financial account for the withdrawal restrictions on other corporate management accounts, such as the investment association.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information. 405).

According to an exemplary embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server may include the account information included in the received account opening request information. It is preferable to store the account management information including at least one or more window transaction blocking information, CC transaction attribute information, and at least one trust company information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in a DBMS provided on the financial system 115, the server includes the account information and the window included in the received account opening application information. Account management information including transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the DBMS provided on the financial system 115 by providing the information system through the external system on the financial system 115. It is desirable to store.

Thereafter, the server sets predetermined financial account opening history information (for example, the corporation management account opening history, or the history of storing the corporation management account opening electronic document in the electronic document repository, or the account in the storage medium 405). The details of storing the establishment application information) are generated (or extracted) and transmitted to the terminal (799).

According to one embodiment of the invention, the storage medium 405 is preferably provided in the DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, or may be a predetermined database associated with the ledger D / B 400, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 405 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

8A and 8B illustrate a process of establishing a corporate management account for limiting the withdrawal of other corporate management accounts such as an investment association in a face-to-face manner according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B are window terminals in which the terminal device 100 on the corporate management account opening system shown in FIG. 2 is provided at a financial institution branch (or a branch), and the financial institution server 103 is predetermined. In the case of having a ledger server (not shown) function on the financial system 115 linked to a counter terminal through a financial network of a corporation, a corporate management account for a predetermined customer to withdraw the withdrawal of another corporate management account such as an investment association In order to open a corporate management account opening application form including at least one or more of the consignment company information, corporate management account information, and account attribute information, the financial institution may face-based the application method based on the application for opening a corporate management account. A system configuration for opening and processing a corporate management account, specifically, wherein the client prepares an application for opening a corporate management account and When the request is made, the window terminal acquires predetermined image contents corresponding to the corporate management account opening application through a predetermined image acquisition device, and inputs (or selects) account opening application information corresponding to the corporate management account opening application. After the image content and the account opening application information are transmitted to the financial institution server 103, the financial institution server 103 includes at least one of the trustee information, the corporate management account information, and the account attribute information. The implementation method of opening and processing the corporate management account based on the account opening application information is shown.

Those skilled in the art to which the present invention pertains, infer various modification methods for registering the account opening application information with the financial company server 103 at the window terminal by referring to or modifying the drawings 8a and 8b. As will be appreciated, the present invention includes all implementation methods inferred from the foregoing, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, the implementation method illustrated in FIGS. 8A and 8B includes a process of generating a predetermined electronic document corresponding to the corporate management account opening application and storing the electronic document in an electronic document repository. As such, the present invention is not limited thereto.

In addition, in the implementation method shown in FIGS. 8A and 8B including the electronic document generation and storage process, the counter terminal acquires predetermined image contents corresponding to the corporate management account opening application through a predetermined image acquisition device. Although a user interface for inputting (or selecting) account opening application information corresponding to the corporate management account opening application is illustrated and provided from the financial institution server 103, a predetermined information registration program is provided at the window terminal. In this case, the user interface may not be provided from the financial institution server 103, and the present invention is not limited thereto.

In the following Figures 8a and 8b, the window terminal shown in Figure 2 is referred to as "terminal" for convenience, and the financial institution server 103 shown in Figure 2 is referred to as "server" for convenience, and said window terminal The trustee information, corporate management account information, and account attribute information transmitted to the financial company server 103 are referred to as "account opening application information" for convenience.

Referring to FIGS. 8A and 8B, in order to limit the withdrawal of a predetermined customer from another corporate management account such as an investment association, a corporate management account including at least one trust company information, corporate management account information, and account attribute information is opened. After completing and submitting the application form, the teller terminal shown in FIG. 2 connects to the server through a predetermined financial network and connects a predetermined communication channel, such as an investment association corresponding to the application for opening a corporate management account. When requesting a user interface for limiting the withdrawal of the management account (800), in response to the server inputs (or selects) the account opening application information corresponding to the corporate management account opening application prepared by the customer in the terminal, Acquire a predetermined image content corresponding to the corporate management account opening application through a predetermined image acquisition device to the server A user interface for transmission is generated (or extracted) (805), and the generated (or extracted) user interface is transmitted to the terminal through the financial network (810).

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the user interface (815).

If the account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information is input (or selected) through the user interface (820), the terminal is based on the user interface. In operation 825, an image content corresponding to the corporate management account opening application is obtained through a predetermined image obtaining apparatus.

If image content corresponding to the corporate management account opening application is obtained through the image acquisition device (830), the terminal transmits the account opening application information and the image content to the server through the financial network (835). .

Thereafter, the server receives and reads the account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the financial network to confirm the validity of the account opening application information. (840).

According to an embodiment of the present invention, the validity confirmation of the account opening application information is matched with the account opening application information on the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system. It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 400 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information is the information contained in the account opening application information, the company information on the ledger D / B (400) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

If the validity of the account opening application information is not authenticated (845), the server generates predetermined financial account error information and transmits it to the terminal (850), and opens a corporate management account corresponding to the account opening application information. Do not perform the procedure.

On the other hand, if the validity of the account opening application information is authenticated (845), the server generates a predetermined corporate management account opening electronic document containing the image content (855).

According to an exemplary embodiment of the present invention, the server withdraws the image file including the image content received from the terminal device 100 through the image receiving unit 220 as it is to the other corporate management account, such as the investment association. It is advisable to treat it as an electronic document to open a corporate management account for restriction.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. An electronic document opening of a corporate management account for restricting the withdrawal of an account file and at least one or more of the account attribute information from the image file corresponding to the image content including a watermarking method to another corporate management account such as the investment association. It is preferable to generate.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the terminal device 100 through the image receiving unit 220. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is advisable to create a consultant before opening a corporate management account for restrictions.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. Generates image contents including account information and at least one or more of account attribute information in a watermarking manner, and includes a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image contents. , 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), and the like, to withdraw other corporate management accounts, such as the investment association. It is desirable to create an electronic document for opening a corporate management account for restriction.

According to another exemplary embodiment of the present invention, the server receives the image content received from the terminal device 100 through the image receiving unit 220 and the account opening request information received through the information receiving unit 210. 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) ), It is preferable to generate a corporate management account opening electronic document for the withdrawal restrictions on the other corporate management account, such as the investment association.

Alternatively, the server may include the company information included in the account opening application information received through the information receiving unit 210 and the corporation information on the image content received from the terminal device 100 through the image receiving unit 220, and the corporation management. A predetermined document file (eg, PDF) including image information including account information and at least one or more of account attribute information by a watermarking method, and including the generated image content and the account opening request information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one of HWP / DOC or the like, or web document file including MHT). It is preferable to create an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of the corporate management account.

In the technical field to which the present invention pertains, technical features for generating a corporate management account opening electronic document in an image file format or a predetermined document file format correspond to the technical features and the corporate management account opening electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated corporate management account opening electronic document in a predetermined electronic document storage (860).

As shown in FIG. 2, the electronic document repository includes a predetermined electronic document server 250 and an electronic document D / B 270 associated with a server on the corporation management account opening system through predetermined communication means. When provided outside, the server preferably transmits the generated corporate management account opening electronic document to the electronic document server 250 through the communication means to store in the electronic document D / B (270). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the corporate management account opening system, the server may send the generated corporate management account opening electronic document to the DBMS provided in the corporate management account opening system. It is possible to store in the electronic document D / B 270 corresponding to the storage, by which the present invention is not limited.

According to the method of the present invention, storing the corporate management account opening electronic document in the electronic document storage, as shown in Figure 2 by linking the generated corporate management account opening electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (270).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the corporate management account opening 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 corporate management account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for creating a corporate management account opening application corresponding to the image content, financial institution information for transmitting the corporate management account opening electronic document, or electronic). Document file format information or the account opening application information).

If the electronic document opening electronic document is stored in the electronic document storage (865), the server is based on the information on the consigned company information, corporate management account information, account attribute information included in the account opening application information Generate account information (870).

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server is linked to the financial system 115 to include the financial company information included in the account information, corporate management account information and account management information included in the account opening application information and the account property information. Open and process the financial account (875).

According to the method of the present invention, the server generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or matched with the corporate information, the customer is already provided Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the account opening application information. It is characterized by opening a predetermined financial account for the withdrawal restrictions on other corporate management accounts, such as the investment association.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 400 in association with the financial system 115. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the ledger D / B 400 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information. 405 and 880.

According to an exemplary embodiment of the present invention, when the storage medium 405 is provided in the server or on a network associated with the server, the server may include the account information included in the received account opening request information. It is preferable to store the account management information including at least one or more window transaction blocking information, CC transaction attribute information, and at least one trust company information in the storage medium 405.

According to another exemplary embodiment of the present invention, when the storage medium 405 is provided in a DBMS provided on the financial system 115, the server includes the account information and the window included in the received account opening application information. Account management information including transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the DBMS provided on the financial system 115 by providing the information system through the external system on the financial system 115. It is desirable to store.

Thereafter, the server sets predetermined financial account opening history information (for example, the corporation management account opening history, or the history of storing the corporation management account opening electronic document in the electronic document repository, or the account in the storage medium 405). The details of storing the establishment application information) are generated (or extracted) and transmitted to the terminal (885).

According to one embodiment of the invention, the storage medium 405 is preferably provided in the DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 405 may be a ledger D / B 400 provided in the DBMS on the financial system 115, or may be a predetermined database associated with the ledger D / B 400, Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 405 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

9 is a diagram illustrating a non-face-to-face corporate management account opening system for limiting the withdrawal of other corporate management accounts such as an investment association according to another embodiment of the present invention.

In more detail, FIG. 9 shows that a predetermined customer opens account application information including at least one of a specified trustee information, a corporate management account information, and account attribute information through a predetermined financial account opening interface. If so, the financial institution opens a corporate management account for the withdrawal restriction on other corporate management accounts, such as the investment association, based on the application information for opening the account, and provides account management information for managing the corporate management account. Regarding the system configuration to be stored in the storage medium 975, those skilled in the art to which the present invention pertains, refer to this figure 9 or modified to withdraw restrictions on other corporate management accounts, such as investment associations Various implementation methods for the configuration of the corporate management account opening system may be inferred, but the present invention may be inferred from all It includes a city method, and is not limited to the embodiment method shown in FIG.

For example, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 9, and the corporate management account opening system omitting the method of storing the corporate management account opening electronic document in the electronic document storage. The configuration can be inferred, and the DBMS in which the electronic document repository is located in the corporation management account opening system, in addition to the implementation method shown in FIG. It will be possible to infer the implementation method provided in the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

In addition, according to the implementation method shown in FIG. 9, the corporation management account opening electronic document is illustrated as being generated on the server side on the corporation management account opening system, but the present invention is not limited thereto. The corporate management account opening electronic document may be generated on the terminal side which inputs (or selects) the account opening request information (for example, the electronic document generation function provided on the server side is provided on the terminal side. Generate a management account electronic document), thereby the present invention is not limited.

Hereinafter, the account opening application information is received from the customer through a predetermined financial account opening interface on the corporate management account opening system shown in FIG. 9 so that the customer opens the corporate management account, A component corresponding to at least one or more means or functional configuration for generating a corporate management account opening electronic document and storing it in a predetermined electronic document storage is referred to as "financial company server 105" for convenience.

In addition, the subject submitting the application for opening a corporate management account on the corporate management account opening system shown in the configuration of the present invention is a financial institution such as a trust company, which is delegated the investment amount of another corporation, such as an investment association, The entity that responds to is called "customer" for convenience.

Referring to this figure 9 according to the embodiment of the present invention, a corporate management account establishment system for the withdrawal restrictions on other corporate management accounts, such as the investment association, the client comprising at least one wired terminal or a wireless terminal used by the customer It characterized in that it comprises a terminal device 100 including at least one terminal or the like, the terminal device 100 is a financial company server 105 provided on the corporate management account opening system through a predetermined network means And communication channel are connected.

According to an embodiment of the present invention, the customer accesses the financial institution server 105 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network, and the financial company server Input (or select) the account opening application information for the withdrawal restrictions on the other corporate management account, such as the investment union through the at least one user interface provided by 105, the client terminal through the predetermined network means It is preferable to transmit to the financial company server 105 provided on the corporate management account opening system.

Here, the wired terminal connected to the wired communication network is a generic term of all terminal devices 100 connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may be a desktop computer connected to the TCP / IP based communication network or At least one notebook, or a home appliance terminal (eg, refrigerator, Set-Top-Bo14, etc.) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. It is preferable to comprise.

In addition, the wireless terminal connected to the wireless communication network includes all terminal devices 100 connected to a mobile communication network based on Code Division Multiple Access (CDMA) (or High-Speed Downlink Packet Access (HSDPA)), or IEEE 802.1614-based portable Internet. A generic term for all terminal apparatuses 100 connected to the terminal 100, or all terminal apparatuses 100 connected to the IEEE 802.1114-based wireless LAN, and is connected to the CDMA-based (or HSDPA-based) mobile communication network (Personal Communication System; PCS) Or Global System for Mobile communications (GSM) terminals or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminals or Personal Digital Assistants (PDAs) or smartphones (Smart Phones) or telematics (Telematics), or a portable Internet terminal connected to the IEEE 802.1614 based portable Internet, or connected to the IEEE 802.1114 based wireless LAN It comprises a wireless LAN terminal including at least one are preferred.

In addition, the financial institution server 105 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and the network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the financial institution server 105 may be a CDMA-based (or HSDPA-based) mobile communication network or an IEEE 802.1614-based portable Internet or IEEE 802.1114 based on a wireless communication network type to which the client terminal is connected. It is preferable that any one of the WLAN, or comprises a wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the financial institution server 105, and inputs or selects at least one or more information through the user interface to transmit to the financial institution server 105 (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the financial institution server 105, etc.) are preferably provided.

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

In the corporate management account opening system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the customer, and at least one wired communication network or wireless connecting the client terminal and the financial company server 105. The communication network performs a function of a financial account opening interface for registering the account opening application information for the customer to withdraw the withdrawal of other corporate management accounts such as the investment association.

According to another exemplary embodiment of the present invention, the terminal apparatus 100 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It may further include a financial automation device (not shown) including a cash dispenser (CD), or may be connected to a wired telephone network such as a Public S13itched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown) of, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or at least affiliated with the financial institution Terminal (or server) (not shown) provided in one or more institutions may be further included, whereby the present invention is not limited.

In the corporate management account opening system as described above, when the terminal device 100 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the financial company. The financial network connecting the server 105 performs a function of a financial account opening interface for registering the account opening application information for the customer to withdraw the withdrawal of other corporate management accounts such as the investment association, or the terminal device ( If 100 is the call terminal (not shown), the wired or wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the financial company server 105 may be provided by the customer. Etc. performs a function of a financial account opening interface for registering an account opening application information for the purpose of limiting the withdrawal of another corporate management account or the like. In the case of a terminal (or server) (not shown) provided in an institution affiliated with a financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the financial company server 105 The connecting network performs a function of a financial account opening interface for registering the account opening application information for the customer to withdraw the withdrawal of other corporate management accounts such as the investment association.

The storage medium 975 provided on the corporate management account opening system according to the present invention includes the account information, the window transaction blocking information, and the CC transaction included in the account opening application information provided from the terminal device 100. And account information including at least one attribute information and at least one trust company information.

The customer information may include information about the trustee of the trustee (e.g., trade names, business registration numbers, representative telephone numbers, etc.) for financial institutions, such as investment associations or corporations, both of which hold and manage investment trust property; Member information of the trustee (eg, by signing up as a financial transaction customer of the financial institution) to the customer ledger on the financial system 115 associated with the corporate management account opening system in response to the trustee. It is preferable to include at least one or more member ID information, or CIF (Customer Information File (CIF) number, etc.) provided.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignee information is characterized in that the seal of the financial institution, including the consignee that opened the corporate management account is configured to convert to the image data.

According to one embodiment of the invention, the storage medium 975 is preferably provided in the DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 975 may be a ledger D / B (120) provided in the DBMS on the financial system 115, or may be a predetermined database associated with the ledger D / B (120), Thereby, this invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 975 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The financial company server 105 provided on the corporate management account opening system according to the present invention is a generic term for the corporate management account opening system side component connected to the terminal device 100 through a predetermined network means. It may be implemented by including the above server (or device), 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 exemplary embodiment of the present invention, when the terminal device 100 is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the financial institution server 105 may be configured to perform the Internet banking. A predetermined internet banking server provided on the system, a program provided in the internet banking server, or a predetermined server (or device) accessible to the external system of the financial system 115 through the internet banking system; A program included in the server (or device), or a server (or device) provided in the external system on the financial system 115 accessible through the Internet banking server (or the server (or device)), Or it may be a program provided in the external system on the financial system 115, whereby the present invention is not limited. The.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the financial institution server 105 may be connected to the wireless banking system. Is a predetermined wireless banking server provided in, or a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system 115 through the wireless banking system, A program included in a server (or device), or a server (or device) provided in an external system on the financial system 115 accessible through the wireless banking server (or the server (or device)), or It may be a program provided in the external system on the financial system 115, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the financial company server 105 may be connected to the telebanking system. A predetermined telebanking server (for example, an Automatic Response Service (ARS) server) provided in the program, or a program included in the telebanking server, or accessing the external system of the financial system 115 through the telebanking system. Any server (or device) possible, a program included in the server (or device), or an external system on the financial system 115 accessible through the telebanking server (or the server (or device)). It may be a server (or device) provided, or a program provided in the external system on the financial system 115, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a wired terminal (or two-way digital TV) that can be connected to a TV banking server on a predetermined TV banking system, the financial company server 105 is the TV banking. A predetermined TV banking server provided on the system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system 115 through the TV banking system. Or a program provided in the server (or device), or a server (or device) provided in the external world on the financial system 115 accessible through the TV banking server (or the server (or device)). Or, it may be a program provided in the external system on the financial system 115, whereby the present invention is not limited.

According to the embodiment of the present invention, the financial company server 105 is characterized in that it comprises an interface unit 900 for connecting and managing a predetermined communication channel with the terminal device 100 through the network means.

According to an embodiment of the present invention, when the terminal device 100 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 900 includes a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 900 connects a communication channel with the client terminal based on the TCP / IP protocol. Using the HTPP protocol defined in the browser program, a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the financial institution server 105, the interface unit 900 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a financial automation device connected to a predetermined financial network, the interface unit 900 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with a device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another exemplary embodiment of the present invention, when the terminal apparatus 100 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 900 implements a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the client terminal based on the communication protocol defined in the communication program provided in the client terminal. Do.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 900 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the financial institution server 105 (eg, an IC chip-based banking program), the interface unit 900 communicates with the client terminal based on the CDMA protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 900 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 900 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the terminal device 100 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface unit 900 includes a protocol stack defined in the TV banking system. At least one or more information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV) and connecting a predetermined communication channel with the wired terminal (or bidirectional digital TV). It is desirable to provide a communication interface for transmission and reception.

Referring to FIG. 9, when the predetermined terminal device 100 connects a predetermined communication channel with the financial institution server 105 through the interface unit 900, the financial institution server 105 may be configured to use the investment combination. Generate (or extract) at least one user interface for inputting (or selecting) predetermined account opening application information from the terminal device 100 to the financial institution server 105 to limit the withdrawal of the corporate management account. And an interface providing unit 905 for providing the generated (or extracted) user interface to the terminal device 100 in association with the interface unit 900, and the user interface in the terminal device 100. When the account opening application information is input (or selected) through the transmission, in connection with the interface unit 900 to receive the account opening application information transmitted from the terminal device 100 An information receiver 910 is provided.

The interface provider 905 connects a predetermined communication channel with the financial institution server 105 through the interface unit 900, and then connects the investment unit to the financial institution server 105. When requesting a user interface for withdrawal restriction for another corporate management account, the terminal device 100 inputs (or selects) predetermined account opening application information and transmits it to the financial company server 105 through the network means. Generating at least one user interface, or extracting from a predetermined database (not shown), and interworking with the interface unit 900 to generate the generated (or extracted) user interface through the network means. It is characterized by providing in).

According to an exemplary embodiment of the present invention, when the terminal device 100 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 905 may be a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a financial automation device connected to a predetermined financial network, the interface providing unit 905 provides the financial transaction related program provided in the financial automation device. It is desirable to generate (or extract) a predetermined user interface as much as possible, and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus 100 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 905 is a browser program provided in the client terminal. Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 900.

According to another exemplary embodiment of the present invention, when the terminal apparatus 100 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 905 is configured as the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 900. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the terminal device 100 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 905 is the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided by the user interface, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 900.

According to another exemplary embodiment of the present invention, the terminal apparatus 100 includes at least one user interface for inputting (or selecting) predetermined account opening application information to the financial institution server 105 through the network means. When a predetermined information registration program is provided, a user interface for inputting (or selecting) predetermined account opening application information is generated (or extracted) and transmitted to the financial institution server 105 as described above. The interface providing unit 905 provided to 100 may be omitted, and the present invention is not limited thereto.

Thereafter, the terminal apparatus 100 inputs (or selects) account opening application information including at least one of the trustee information, the corporate management account information, and the account attribute information through the user interface, and the input ( Or the selected account opening request information is transmitted to the financial institution server 105 through the network means, and correspondingly, the information receiving unit 910 is connected to the interface unit 900 from the terminal device 100. Characterized in that the received account opening application information transmitted.

According to an embodiment of the present invention, the terminal apparatus 100 includes the account opening application information including at least one or more of the trustee information, the corporate management account information, and the account attribute information. The financial company server through the network means further comprises at least one or more predetermined password or security card information or OTP code generated through a predetermined one time password (OTP) generator for verifying the validity of the application information; 105).

According to an embodiment of the present invention, the terminal apparatus 100 may include at least one encryption method (eg, at least one account opening application information including at least one of the trustee information, the corporate management account application information, and the account attribute information. Symmetric key-based encryption method, public key-based encryption method, electronic envelope-based encryption method, key exchange-based encryption method, or the like), or by attaching a predetermined electronic signature to the account opening request information. It is preferable to transmit to the financial institution server 105 through, for this purpose, the terminal device 100 is provided with at least one encryption key corresponding to the encryption scheme, or a predetermined authorized including at least one encryption key. When a certificate is provided, or when the official certificate is provided on a predetermined IC chip (or IC card) It is preferable that a card reader is provided for checking the official certificate provided in the IC chip (or IC card).

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the account opening application information, and the technical characteristics of attaching a predetermined electronic signature to the account opening application information. Since it will be, a detailed description thereof will be omitted for convenience.

Referring to FIG. 9, when the financial institution server 105 receives the account opening application information transmitted from the terminal device 100 through the information receiving unit 910, the received account opening application information is the investment association. It is characterized in that it is provided with a validity check unit 915 to confirm whether the validity for the withdrawal restrictions on other corporate management account.

According to an embodiment of the present invention, the account opening request information may be at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted, the validator 915 is at least one decryption method (for example, symmetric key-based decryption, public key-based decryption, or electronic) for the encrypted account opening request information corresponding to the encryption method; Envelope-based decryption method, or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received account opening application information.

Alternatively, when a predetermined electronic signature is attached to the account opening application information, the validity verification unit 915 checks the electronic signature attached to the account opening application information, thereby validating the validity of the received account opening application information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted account opening application information, and technical features for confirming the electronic signature attached to the account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the account opening application information received through the information receiving unit 910 according to the embodiment of the present invention further includes a predetermined password for checking the validity of the account opening application information, the validity checking unit 915 ) Compares and authenticates the password included in the account opening application information with the password provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received account opening application information.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the account opening application information, the validity confirming unit 915 may include the above information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the received security card information included in the account opening application information with the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the account opening application information, the validity confirming unit 915 may determine the account. The validity of the received account opening application information is verified by comparing and authenticating the received OTP code included in the opening application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to authenticate.

According to the method of the present invention, the validity confirmation of the account opening application information is at least matched with the account opening application information on the ledger D / B 120 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 120 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information, the information contained in the account opening application information, the company information on the ledger D / B (120) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

Referring to FIG. 9, when the validity of the account opening application information is authenticated through the validity checker 915, the financial institution server 105 opens a predetermined corporate management account including the received account opening application information. An electronic document generation unit 920 for generating an electronic document, and an electronic document transmission unit 925 for transmitting the generated corporate management account opening electronic document to an electronic document repository associated with the corporate management account opening system. It is characterized by.

The electronic document generating unit 920 may generate a corporate management account opening electronic document including the account opening request information received from the terminal device 100 through the information receiving unit 910.

According to an exemplary embodiment of the present invention, the electronic document generation unit 920 includes trustee information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. Generating at least one document content including at least one document file, and including at least one document file (eg, a Portable Document Format (PDF) file, an EDI file, or an HWP / DOC file) including the document content. Word processor file, or a web document file including MHT) is preferably processed as an electronic document for opening a corporate management account for limiting the withdrawal of another corporate management account such as the investment association.

Alternatively, the electronic document generation unit 920 may include at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. After generating a content and including at least one or more information of the consignment company information, the corporate management account application information, and the account attribute information included in the document opening application information in the document content by watermarking (Watermarking) method, Document files containing document content including markings (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or MHT) Web document files, etc.) are preferably processed as electronic documents for opening a corporate management account for the purpose of limiting the withdrawal of other corporate management accounts such as the investment association. The.

Alternatively, the electronic document generation unit 920 may include at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. Restriction on drawing an image file including content generated by capturing the document content (e.g., image content generated by capturing the document content on a memory) to another corporate management account such as the investment association; It is advisable to process electronic documents for the opening of a corporate management account.

Alternatively, the electronic document generation unit 920 may include at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. Create contents, and the image contents (e.g., image contents generated by capturing the document contents on the memory) to capture the document contents in the account opening application information and the corporate management account application Information and at least one of account property information in a watermarking manner, and an image file including the image content including the watermarking to limit the withdrawal of another corporate management account such as the investment association. It is advisable to process the electronic document incorporating a corporate management account.

According to another exemplary embodiment of the present invention, the electronic document generating unit 920 may include information about a trustee included in the account opening application information received through the information receiving unit 910, corporate management account application information, and account attributes. A predetermined document file (eg, generating document content including at least one or more information) and including image content (eg, image content generated by capturing the document content on a memory). Or the like by creating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to treat it as an electronic document for opening a corporate management account to restrict the withdrawal of other corporate management accounts.

Alternatively, the electronic document generation unit 920 may include at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. Create contents, and the image contents (e.g., image contents generated by capturing the document contents on the memory) to capture the document contents in the account opening application information and the corporate management account application A document file (eg, a Portable Document Format (PDF) file) generating image content including water information and at least one or more of account attribute information in a watermarking manner, and including the image content including the watermarking; Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc., or MHT. By generating a web document file, etc.), it is preferable to process as an electronic document opening the corporate management account for the withdrawal restrictions on the other corporate management account, such as the investment association.

According to another exemplary embodiment of the present invention, the electronic document generating unit 920 may include information about a consigned company included in the account opening application information received through the information receiving unit 910, corporate management account application information, and an account. Generating document content including at least one attribute information, including image content (eg, image content generated by capturing the document content on a memory) and the account opening request 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 process as an electronic document for opening a corporate management account for the withdrawal restrictions on other corporate management accounts such as the investment association.

Alternatively, the electronic document generation unit 920 may include at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received through the information receiving unit 910. Create contents, and the image contents (e.g., image contents generated by capturing the document contents on the memory) to capture the document contents in the account opening application information and the corporate management account application A document file including image information including at least one of information and at least one of account attribute information by a watermarking method, and including the watermarking image content and the account opening request information (eg, WordPro, which contains at least one Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, or HWP / DOC. Standing by creating a file or web page files, etc.) that contain MHT, it is preferable to process a legal administrative account opening electronic documents for the withdrawal limit for other corporate account management, including the Investment Fund.

Those skilled in the art to which the present invention pertains, the technical features that the electronic document generation unit 920 generates a corporate management account opening electronic document of the image file format or a predetermined document file format, and the corporate management Since you will be familiar with the technical features of the file format of the image file or document file corresponding to the account opening electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 925 transmits and stores the corporate management account opening electronic document generated by the electronic document generation unit 920 to a predetermined electronic document repository associated with the corporate management account opening system. It is done.

As shown in FIG. 9, the electronic document repository is connected to a financial company server 105 on the corporate management account opening system and a predetermined electronic document server 950 and an electronic document D / B 970 linked through predetermined communication means. When provided externally, the electronic document transmission unit 925 is the electronic document server 950 via the communication means for opening the corporate management account created by the electronic document generation unit 920 through the communication means It is characterized in that for transmitting.

Here, when the electronic document server 950 and the electronic document D / B 970 is provided outside the corporate management account opening system, the electronic document server 950 and the electronic document D / B 970 It is advisable to administer the program in an accredited body.

According to another embodiment of the present invention, when the electronic document repository is provided on a DBMS provided in the corporation management account opening system, the electronic document transmission unit 925 is generated by the electronic document generation unit 920. The corporate management account opening electronic document may be stored in the electronic document D / B 970 corresponding to the electronic document storage on the DBMS provided in the corporate management account opening system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the electronic document transmission unit 925 may input electronic document related information (eg, the account opening request information) for generating predetermined electronic document management information in the electronic document server 950 ( And the customer information, the financial institution information for transmitting the corporate management account opening electronic document, the electronic document file format information, or the account opening application information, etc.) to the electronic document repository. It is possible, and the invention is not limited thereby.

Referring to FIG. 9, the financial institution server 105 restricts the withdrawal of the account opening application information received through the information receiving unit 910 to another corporate management account such as the investment association through the validity checking unit 915. If the validity for the authentication is authenticated, the information generating unit 930 for generating the financial account information based on the trust company information, the corporate management account application information, the account attribute information included in the account establishment application information is validated And an account opening unit 935 for opening and processing a financial account of the customer's name including the financial account information.

When the validity of the account opening application information is confirmed by the validity confirming unit 915, the information generating unit 930 may include information about a consignment company included in the account opening application information, corporate management account application information, and an account. The financial account information is generated based on the attribution information.

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

The account opening unit 935 generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or checks the customer ledger that is matched with the corporate information. And generating predetermined account ledger information including the financial account information, and storing the account ledger information in a predetermined account ledger associated with the customer ledger, in response to the account opening application information. It is characterized in that the opening and processing of a predetermined financial account for the withdrawal restrictions on other corporate management accounts.

According to the exemplary embodiment of the present invention, when the financial company server 105 and the financial system 115 exist in the same system, the account opening unit 935 may be linked with the financial system 115 in the ledger D / B. It is preferable to generate a predetermined account ledger including the financial account information at 120.

According to another exemplary embodiment of the present invention, when the financial company server 105 and the financial system 115 exist on another system connected through a predetermined communication means, the account opening unit 935 may use predetermined communication means. It is preferable to request the ledger D / B 120 on the other financial system 115 to generate a predetermined ledger including the financial account information through an external system on the financial system 115 through.

Referring to FIG. 9, the financial institution server 105 restricts the withdrawal of the account opening application information received through the information receiving unit 910 to another corporate management account such as the investment association through the validity checking unit 915. If the validity for the authentication is authenticated, the account management information including at least one or more of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information that has been validated predetermined And an information storage unit 940 for storing in the storage medium 975.

When the validity of the account opening application information is confirmed by the validity confirming unit 915, the information storage unit 940 is the account information, the window transaction blocking information, the CC transaction included in the account opening application information And the account management information including at least one attribute information and at least one trust company information in the storage medium 975.

According to an exemplary embodiment of the present invention, when the storage medium 975 is provided in the financial company server 105 or on the network associated with the financial company server 105, the information storage unit 940 may be configured as the storage medium 975. Preferably, the storage medium 975 stores the account information including the account information, the window transaction blocking information, the CC transaction attribute information, and the trust company information included in the received account opening application information. Do.

According to another exemplary embodiment of the present invention, when the storage medium 975 is provided in the DBMS provided on the financial system 115, the information storage unit 940 includes the received account opening request information. The account management information including at least one of account information, counter transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the information system through the external system on the financial system 115, and then the financial system 115 is displayed on the financial system 115. It is preferable to store in the DBMS provided in.

Referring to FIG. 9, an electronic document which receives a predetermined corporate management account opening electronic document from the financial company server 105 provided on the corporate management account opening system and stores and manages the electronic document D / B 970 in a predetermined electronic document The document server 950 may include an electronic document receiving unit 955 for receiving a predetermined corporate management account opening electronic document from the financial institution server 105 through a predetermined communication means, and the received corporate management account opening electronic document. An information generation unit 960 for generating predetermined electronic document management information for storing and managing in the electronic document D / B 970, and the electronic document management information and the corporate management account opening electronic document are linked to each other. And an electronic document storage unit 965 for storing in the electronic document D / B 970.

The electronic document receiving unit 955 may receive a corporate management account opening electronic document in the form of an image file or a document file from the financial company server 105 through the communication means.

According to one embodiment of the present invention, the electronic document receiving unit 955, the corporate management account opening electronic document that is received through the communication means open the account received by the financial company server 105 from the terminal device 100. A document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including document contents including at least one trust company information included in the application information, corporate management account application information, and account attribute information. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means may be included in the account opening application information included in the account opening application information received by the financial institution server 105 from the terminal device 100. And at least one of information about a trustee company included in the account opening application information, corporate management account application information, and account attribute information in document content including at least one corporate management account application information and at least one account attribute information. After including in a watermarking manner, at least a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing document content including the watermarking. And at least one word processor file or web document file including MHT).

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means may be included in the account information included in the account opening application information received by the financial institution server 105 from the terminal device 100. And an image file including image management information (eg, image content generated by capturing the document content on a memory) which captures document content including at least one corporate management account application information and account property information. It is preferable to comprise.

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means may be included in the account opening application information included in the account opening application information received by the financial institution server 105 from the terminal device 100. And the account opening application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one corporate management account application information and account attribute information. After including at least one information of the consignment company information, corporate management account application information, account attribute information included in the watermarking method, including an image file including the image content including the watermarking; It is preferable to make.

According to another exemplary embodiment of the present invention, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means is an account opening received by the financial company server 105 from the terminal device 100. Image contents (e.g., by capturing the document contents in the memory and capturing the document contents including the trustee information included in the application information, the corporate management account application information, and account attribute 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 of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means may be included in the account opening application information included in the account opening application information received by the financial institution server 105 from the terminal device 100. And the account opening application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one corporate management account application information and account attribute information. Generating image contents including at least one of information about a consignment company, corporate management account application information, and account attribute information included in a watermarking method, the image contents including the watermarking; At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Or a web document file including the MHT).

According to another exemplary embodiment of the present invention, the corporate management account opening electronic document received by the electronic document receiving unit 955 through the communication means is received by the financial company server 105 from the terminal device 100. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one trust company information included in the account opening application information, corporate management account application information, and account attribute information. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including one image content) and the account opening request information. File, or a web document file including MHT).

Alternatively, the corporate document opening electronic document received by the electronic document receiving unit 955 through the communication means may be included in the account opening application information included in the account opening application information received by the financial institution server 105 from the terminal device 100. And the account opening application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one corporate management account application information and account attribute information. Generating image contents including at least one of information about a consignment company, corporate management account application information, and account attribute information included in a watermarking method, the image contents including the watermarking and the account; A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing application information Preferably comprises a web page file, and so on) that include the word-processor file, or MHT comprising at least one such HWP / DOC.

The information generation unit 960 uses a predetermined electronic document unique number (or unique information) to be assigned to the corporate management account opening electronic document received through the electronic document receiving unit 955 and through the electronic document receiving unit 955. And generating electronic document management information including electronic document storage date and time information including a date and time at which the corporate management account opening electronic document was received (or a date and time at which the corporate management account opening electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 960 refers to the corporate management account by referring to the financial company server 105 that has transmitted the corporate management account opening electronic document received through the electronic document receiving unit 955. It is preferable to identify the financial institution that transmitted the opened electronic document and to generate 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 financial institution server 105 through the electronic document receiving unit 955, the information generating unit 960 receives the received electronic document. Document related information (e.g., customer information transmitted by inputting (selecting) the account opening application information, financial institution information transmitting the corporate management account opening electronic document, electronic document file format information, or the account opening application information) It is preferable to generate the electronic document management information further including).

The electronic document storage unit 965 associates a corporate management account opening electronic document received through the electronic document receiving unit 955 with electronic document management information generated through the information generation unit 960 to process a predetermined electronic document. It is characterized in that the storage in the D / B (970).

According to the exemplary embodiment of the present invention, the corporate document opening electronic document stored in the electronic document D / B 970 by the electronic document storage unit 965 is the financial company server 105 of the terminal device 100. A document file (eg, a Portable Document Format (PDF) file) containing document information including at least one trust company information, corporate management account application information, and account attribute information included in the account opening application information received from An EDI (Electronic Data Interchange) file, a word processor file including at least one or more of HWP / DOC, or a web document file including MHT).

Alternatively, the electronic document storage unit 965 stores the corporate management account opening electronic document stored in the electronic document D / B 970. The account opening application information received by the financial institution server 105 from the terminal device 100 is provided. Consignment company information included in the account opening application information, the corporate management account application information, account attribute information in the document content including at least one of the information contained in the consignment company, corporate management account application information, account property information; After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or And a word processor file including at least one of HWP / DOC, or a web document file including MHT.

Alternatively, the electronic document storage unit 965 stores the corporate management account opening electronic document stored in the electronic document D / B 970. The account opening application information received by the financial institution server 105 from the terminal device 100 is provided. Image content capturing document content including at least one trust company information, corporate management account application information, and account attribute information (eg, image content generated by capturing the document content on a memory). It is preferable to include an image file including a.

Alternatively, the electronic document storage unit 965 stores the corporate management account opening electronic document stored in the electronic document D / B 970. The account opening application information received by the financial institution server 105 from the terminal device 100 is provided. Image content capturing document content including at least one trust company information, corporate management account application information, and account attribute information (eg, image content generated by capturing the document content on a memory). Include at least one of the information on the consignment company, the corporate management account application information, and the account attribute information included in the account opening application information in a watermarking method, and then includes image content including the watermarking. It is preferable to include an image file.

According to another exemplary embodiment of the present invention, a corporate management account opening electronic document stored in the electronic document D / B 970 by the electronic document storage unit 965 is the financial company server 105 of the terminal device 100. Image content (e.g., the document content is captured) that captures document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information received from the account opening application information received from 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 HWP / DOC, etc.) including image content captured and generated on the Or a web document file including the MHT).

Alternatively, the electronic document storage unit 965 stores the corporate management account opening electronic document stored in the electronic document D / B 970. The account opening application information received by the financial institution server 105 from the terminal device 100 is provided. Image content capturing document content including at least one trust company information, corporate management account application information, and account attribute information (eg, image content generated by capturing the document content on a memory). Generating image contents including at least one of information about a consignment company included in the account opening application information, a corporate management account application information, and account attribute information by a watermarking method, wherein the watermarking is included; At least one document file (eg, Portable Document Format (PDF) file, Electronic Data Interchange (EDI) file, HWP / DOC, etc.) containing the image image content is included. Or a web document file including the MHT or the like.

According to another exemplary embodiment of the present invention, a corporate management account opening electronic document stored in the electronic document D / B 970 by the electronic document storage unit 965 may include the financial company server 105 having the terminal device ( Image content (e.g., the document content) which captures document contents including at least one or more of the trustee information, the corporate management account application information, and the account attribute information included in the account opening application information received from 100). At least one predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, etc.) including the image content captured on the memory and the account opening request information. Or a web document file including the MHT).

Alternatively, the electronic document storage unit 965 stores the corporate management account opening electronic document stored in the electronic document D / B 970. The account opening application information received by the financial institution server 105 from the terminal device 100 is provided. Image content capturing document content including at least one trust company information, corporate management account application information, and account property information (e.g., image content generated by capturing the document content on a memory). ) Generates image contents including at least one of information about a consignment company included in the account opening application information, a corporate management account application information, and account attribute information by a watermarking method. A document file (eg, a Portable Document Format (PDF) file or an Electronic Data Interchange (EDI) file) containing the included image content and the account opening request information, Or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 970 by the electronic document storage unit 965 in association with the corporate document opening electronic document is stored in the corporate management account. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the opened 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 970 by the electronic document storage unit 965 in association with the corporate management account opening electronic document is stored in the corporate management. The financial institution server 105 that has transmitted the account opening electronic document preferably further includes information on the financial institution that has transmitted the corporate management account opening electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the financial company server 105, the electronic document storage unit 965 processes the connection with the corporate management account opening electronic document and the The electronic document management information stored in the electronic document D / B 970 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the account opening request information or the corporate management account opening e). Financial institution information for transmitting a document, electronic document file format information, or the like.

10 illustrates an implementation method in which a storage medium 975 for storing account operation information corresponding to a corporate management account opened in a non-face-to-face manner is provided in a DBMS on a financial system 115 according to an embodiment of the present invention. Drawing.

In more detail, in FIG. 10, the storage medium 975 illustrated in FIG. 9 is the ledger D / B 1000 provided in the DBMS on the financial system 115, or the ledger D / B 1000 provided in the ledger D / B 1000. In this case, the information structure for an embodiment of the method for storing the account management information in the ledger information provided in the ledger D / B (1000), if the person having ordinary knowledge in the technical field to which the present invention belongs, 10 may be inferred from various information construction methods for storing the account management information in the ledger D / B 1000 by referring to or modifying the drawing 10. However, the present invention includes all the inferred implementation methods. It is not limited to the implementation method shown in FIG.

Referring to Figure 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B (1000) provided in the DBMS on the financial system 115 is linked to a predetermined customer ledger, and the customer ledger The account ledger corresponding to the financial account opened through the corporate management account opening system shown in FIG. 9 and at least one information associated with the account ledger are included. If the person has, the ledger D / B (1000) provided in the DBMS on the financial system 115 has at least one ledger (for example, the ledger, loan ledger, collateral, in addition to the customer ledger and account ledger shown in Figure 10) Ledger, ... etc.) or at least one or more additional information for maintaining and managing the ledgers, it will be apparent that Since you will be familiar with the details, detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. 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 in a relational manner, and as a ledger corresponding to the financial account, account information (or securities 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, current interest, time extension, time extension amount, ARS setting, final deposit date, final withdrawal date, final deposit amount, final withdrawal amount, unaccounted transactions, interest It includes at least one or more of this system account, whether or not the consolidation, final payment interest, final payment transaction number, individual interest rate reference and the final interest calculation date, account information, withdrawal (months), period ( Number of days), periodic extension, maturity date, and at least one of the target amount, or at least one of the account information corresponding to the account ledger, the amount of trust, the par value, the pension date and the number of shares Trust reception information, or account information corresponding to the account ledger, transaction number, date, store number, product type, transaction type, cash amount, other ticket, batch number, batch transaction, date of commencement, bank account Transaction history information including at least one of a line, a summary, a CIF, 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 account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

According to an exemplary embodiment of the present invention, the storage medium 975 is the ledger D / B 1000 or the present invention including an implementation method provided in the ledger D / B 1000. Account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information provided through the corporate management account opening system shown in FIG. And is stored in the form of additional information added to the account ledger.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

According to another exemplary embodiment of the present invention, the account opening request information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, the customer ledger). It can be stored in the form of information, or in the form of a separate independent ledger in addition to the account ledger, whereby the present invention is not limited.

11 is a ledger D / B provided with a DBMS on a financial system 115 having a storage medium 1105 for storing account management information corresponding to a corporate management account opened in a non-face-to-face manner according to another embodiment of the present invention. 1 is a diagram illustrating an implementation method including a database associated with 1100.

More specifically, FIG. 11 illustrates an embodiment in which the storage medium 1105 illustrated in FIG. 9 includes a predetermined database linked to the ledger D / B 1100 provided in the DBMS on the financial system 115. As shown in FIG. 11, a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 11 to link the account operation information to the ledger D / B 1100 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, in FIG. 11, when it is not easy to store the account operation information in the ledger information of the ledger D / B 1100 on the DBMS provided on the financial system 115 (for example, in the policy of a financial institution, the DBMS If it is not easy to change the ledger D / B 1100 of the ledger, or the system expansion is not easy due to the characteristics of the financial system 115), the account operation is performed in a predetermined database instead of the ledger D / B 1100. The embodiment of the present invention stores information and stores the information by linking the database and the ledger D / B 1100.

In addition, the database shown in FIG. 11 need not be provided on a DBMS provided on the financial system 115 as in the embodiment shown in FIG. 11, and the database on the Internet banking system according to the intention of the skilled person. Or a database on a telebanking system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 11, in which the storage medium 1105 includes a database associated with the ledger D / B 1100 provided in the DBMS on the financial system 115 according to another embodiment of the present invention, the database is And the account operation information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the trust company information included in the account opening application information. Preferably, the account management information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B 1100.

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in the.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

12 illustrates an implementation method including a DBMS provided with a banking server in a storage medium 1105 for storing account operation information corresponding to a corporate management account opened in a non-face-to-face manner according to another exemplary embodiment of the present invention. One drawing.

More specifically, FIG. 12 shows a DBMS in which a storage medium 1105 shown in FIG. 9 is provided in a predetermined banking server provided on an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As provided in one embodiment, if one of ordinary skill in the art to which the present invention pertains, the account management is stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 12 It will be possible to infer a method of constructing information on information, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

According to another embodiment of the present invention, the storage medium 1105 includes a DBMS provided in a banking server. Referring to FIG. 12, a predetermined DBMS provided in the banking server is applied to the account opening request information. And storing the account information including at least one of the account information, counter transaction blocking information, CC transaction attribute information, and consignment company information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

13A and 13B illustrate a process of opening a corporate management account for limiting the withdrawal of other corporate management accounts such as an investment association in a non-face-to-face manner according to one embodiment of the present invention.

In more detail, FIGS. 13A and 13B show that the terminal device 100 on the corporate management account opening system shown in FIG. 9 is a client terminal, and the financial institution server 105 can access the client terminal through a predetermined network means. In the case of having a web server function, a predetermined customer can open a corporate management account for limiting the withdrawal of another corporate management account, such as an investment association, through the client terminal, corporate management account application information, and the like. And providing account opening application information including at least one account property information, the account management application including at least one of the trust company information, the company management account application information, and account property information in the corporation management account opening system. Based on the information, the corporate management account for the withdrawal restrictions on other corporate management accounts such as the investment association As a person having ordinary knowledge in the technical field to which the present invention pertains, a person who has ordinary knowledge in the technical field of the present invention applies for opening an account from the client terminal to the financial company server 105 by referring to or modifying the drawings 13a and 13b. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred, and is not limited to the implementation methods shown in FIGS. 13A and 13B.

For example, although the embodiment shown in FIGS. 13A and 13B includes a process of generating a predetermined electronic document corresponding to the account opening application information and storing the same in an electronic document storage, the process may be performed according to the intention of a person skilled in the art. It may be omitted, thereby the present invention is not limited.

13A and 13B, the client terminal receives a user interface for inputting (or selecting) the account opening request information through a predetermined web page provided by the financial institution server 105. Although illustrated as being illustrated, when the client terminal is provided with a predetermined information registration program, the user interface may not be provided from the financial institution server 105, and the present invention is not limited thereto.

Hereinafter, in FIGS. 13A and 13B, the client terminal illustrated in FIG. 9 is referred to as a “terminal” for convenience, and the financial institution server 105 illustrated in FIG. 9 is referred to as a “server” for convenience. The trustee information, the corporate management account application information, and the account attribute information transmitted to the financial institution server 105 are referred to as "account opening application information" for convenience.

Referring to FIGS. 13A and 13B, the client terminal illustrated in FIG. 9 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal). , A CDMA-based (or HSDPA-based) mobile communication network, an IEEE 802.1614-based portable Internet, or an IEEE 802.1114-based wireless LAN, etc. to access the server and connect a predetermined communication channel to another corporate management account such as the investment association. When requesting a web page including a user interface for limiting the withdrawal (1300), the server corresponding to the request to open an account including at least one or more information, such as the trust company information, corporate management account application information, account attribute information Generate (or extract) a web page including a user interface for entering (or selecting) information and sending it to the server 1305, and outputs via the network unit transmits a web page including a user interface, the generated (or extracted) to the mobile station (1310).

According to an embodiment of the present invention, the process of transmitting or outputting the web page from the server to the terminal is preferably performed at least once according to the account opening application information registration procedure, and thus the present invention is not limited thereto.

Thereafter, the terminal inputs (or selects) at least one or more consignment company information, corporate management account application information, and account opening application information including account attribute information through a user interface included in the web page (1315).

If the terminal receives (or selects) the account opening application information including the trustee information, the corporate management account application information, and the account attribute information through the user interface (1320), the terminal establishes the communication channel. Through the input (or selection) of the consigned company information, corporate management account application information, and account attribute information is transmitted to the server (1325).

According to an embodiment of the present invention, the terminal validates the validity of the account opening application information in the server in the account opening application information including at least one of the trustee information, the corporate management account application information, and the account attribute information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for account opening application information including at least one or more of the trustee information, the corporate management account application information, and account attribute information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the account opening application information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption method, or has a predetermined certificate including at least one encryption key, or the certificate is predetermined. In the IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for account opening application information including at least one or more of the trustee information, the corporate management account application information, and account attribute information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) (Or IC card) is provided with a card reader for checking the certificate Preferable.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the account opening application information, and the technical characteristics of attaching a predetermined electronic signature to the account opening application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the trustee information, the corporate management account application information, and the account attribute information through the communication channel to confirm the validity of the account opening application information (1330).

According to an embodiment of the present invention, the account opening request information may be at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted, the server may include the at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received account opening application information.

Alternatively, when a predetermined electronic signature is attached to the account opening application information, the server may verify the validity of the received account opening application information by checking the electronic signature attached to the account opening application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted account opening application information, and technical features for confirming the electronic signature attached to the account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the account opening application information received through the information receiving unit 910 further includes a predetermined password for confirming the validity of the account opening application information, the server opens the account. It is preferable to verify the validity of the received account opening application information by comparing and authenticating a password included in the application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the account opening application information, the server may include the account opening application information. Comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received account opening application information.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the account opening application information, the server is included in the account opening application information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity confirmation of the account opening application information is at least matched to the account opening application information in the ledger D / B 1100 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 1100 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the verification of the validity of the account opening application information is the information contained in the account opening application information, the company information is the ledger D / B (1100) on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether the information on the consignee company stored in the information and the consignee company information.

If the validity of the account opening application information is not authenticated (1335), the server generates a web page including the predetermined financial account error information and transmits it to the terminal (1340), and the corporate management account opening procedure Do not perform.

On the other hand, when the validity of the account opening application information is authenticated (1335), the server includes at least one or more consignment company information including the account opening application information, corporate management account application information, and account attribute information. A document content is generated (1345), and a predetermined corporate management account opening electronic document including the document content is generated (1350).

According to an embodiment of the present invention, the server generates document content including at least one or more of the consignment company information, the corporate management account application information, and account attribute information included in the received account opening application information, Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably processed as an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of other corporate management accounts such as the investment association.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and account attribute information included in the received account opening application information, and the application for opening the account in the document content. Document file including document contents including the watermarking after including at least one of the information of the consignment company included in the information, the corporate management account application information, and the account attribute 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 of HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document to open a corporate management account to limit the withdrawal of the management account.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. It is preferable to process an image file including an image content (e.g., image content generated by capturing the document content on a memory) into an electronic document opening of a corporate management account for limiting the withdrawal of another corporate management account such as the investment association. Do.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. At least one of information about a trust company included in the account opening application information, corporate management account application information, and account attribute information is included in an image content (for example, image content generated by capturing the document content on a memory). After including the watermarking method, it is preferable to process the image file including the image content including the watermarking as an electronic document for opening a corporate management account for limiting the withdrawal of other corporate management accounts such as the investment association. .

According to another embodiment of the present invention, the server generates document content including at least one or more of the consigned company information, corporate management account application information, account attribute information included in the received account opening application information, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange), or a word processing file including at least one of HWP / DOC, or a web document file including MHT), thereby creating a corporate management account for withdrawal restrictions on other corporate management accounts such as the investment association. It is preferable to process the opened electronic document.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. At least one of information about a trust company included in the account opening application information, corporate management account application information, and account attribute information is included in an image content (for example, image content generated by capturing the document content on a memory). Generating image content including a watermarking method, a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP) containing the image content including the watermarking. / DOC, or a word processor file including at least one, or a web document file including the MHT, etc.) It is preferable to treat it as an electronic document for opening a corporate management account to limit the withdrawal of other corporate management accounts such as an existing investment association.

According to another embodiment of the present invention, the server generates document content including at least one or more of the consignment company information, corporate management account application information, account attribute information included in the received account opening application information and And a predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the account opening request information. File, 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). It is preferable to process the electronic document to open a corporate management account for withdrawal restrictions.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. Water image information (e.g., image content generated by capturing the document content on a memory) includes at least one or more information of a consignment company information included in the account opening application information, a corporate management account application information, and account attribute information. Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file containing the watermarking image content and the account opening request information. ), A word processor file including at least one or more HWP / DOC, etc., or a web document containing the MHT By creating a work and the like), it is preferable that processing entity to the electronic document management account opening for the take-off limit for the other entity, such as the account management Investment.

In the technical field to which the present invention pertains, technical features for generating a corporate management account opening electronic document in an image file format or a predetermined document file format correspond to the technical features and the corporate management account opening electronic document. Since you will be familiar with the technical features of the file format for the image file or document file, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created corporate management account opening electronic document in a predetermined electronic document storage (1355).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 950 and an electronic document D / B 970 associated with a server on the corporation management account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated corporate management account opening electronic document to the electronic document server 950 through the communication means to store in the electronic document D / B (970). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the corporate management account opening system, the server may send the generated corporate management account opening electronic document to the DBMS provided in the corporate management account opening system. It is possible to store in the electronic document D / B 970 corresponding to the storage, by which the present invention is not limited.

According to the implementation method of the present invention, storing the corporate management account opening electronic document in the electronic document storage, as shown in Figure 9 by the process of linking the generated corporate management account opening electronic document and predetermined electronic document management information It is preferably made to include in the electronic document D / B (970).

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the corporate management account opening 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 corporate management account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the account opening application information, or financial institution information transmitting the corporate management account opening electronic document, or electronic). Document file format information or the account opening application information).

If the electronic document opening electronic document is stored in the electronic document storage (1360), the server is based on the information on the consignee company included in the account opening application information, corporate management account application information, account attribute information Generate financial account information (1365).

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the trust company information included in the account opening application information, the corporate management account application information, and the account attribute information in association with the financial system 115. Open and process a financial account in the name (1370).

According to the method of the present invention, the server generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or matched with the corporate information, the customer is already provided Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the account opening application information. It is characterized by opening a predetermined financial account for the withdrawal restrictions on other corporate management accounts, such as the investment association.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 1100 in association with the financial system 115. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 115 exist on another system connected through a predetermined communication means, the server is configured on the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 1100 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information. 1105) (1375).

According to an exemplary embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the account information included in the received account opening request information. Preferably, the storage medium 1105 stores account operation information including at least one of the counter transaction blocking information, the CC transaction attribute information, and the trust company information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on the financial system 115, the server includes the account information included in the received account opening application information and a window. Account management information including transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the DBMS provided on the financial system 115 by providing the information system through the external system on the financial system 115. It is desirable to store.

Thereafter, the server sets predetermined financial account opening history information (eg, the corporation management account opening history, or the history of storing the corporation management account opening electronic document in the electronic document repository, or the account in the storage medium 1105). The details of storing the establishment application information) are generated (or extracted) and transmitted to the terminal (1380).

According to one embodiment of the invention, the storage medium 1105 is preferably provided in a DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system 115 or a predetermined database associated with the ledger D / B 1100. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 1105 is provided on (or associated with) the corporate management account opening system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

14A, 14B, and 14C are diagrams illustrating a process of opening a corporate management account for withdrawal restrictions on other corporate management accounts, such as an investment association, according to one embodiment of the present invention.

In more detail, FIGS. 14A, 14B, and 14C illustrate a case in which the corporate management account opening system shown in FIG. 9 is realized through an internet banking system among non-face-to-face financial transaction channels (that is, the corporation management shown in FIG. 9). In the case where the financial institution server 105 on the account opening system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP-based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits a predetermined account opening application information to the Internet banking server to open a corporate management account for the withdrawal restrictions on other corporate management accounts, such as the investment association, the Internet banking server Account opening application information including at least one trust company information, corporate management account application information, and account attribute information Based on the implementation method for opening and processing the corporate management account for the withdrawal restrictions on the other corporate management account, such as the investment association based on the present invention, the present invention 14a and 14b And various implementation methods for registering the account opening application information through other types of non-face-to-face financial transaction channels by referring to or modifying the drawing 14c, the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIGS. 14A, 14B, and 14C.

That is, when the Internet banking server is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. 14A, 14B and 14C, the browser Although an implementation method of connecting an internet banking-based financial transaction channel for registering an account opening application information between the client terminal and the Internet banking server based on a program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs, The client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. 14a, 14b and 14c. between Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for registering an account opening application information, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, besides the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figures 14a, 14b and 14c, telebanking It is possible to infer a method of connecting a non-face-to-face channel-based financial transaction channel for registering account opening application information in another banking system such as a system or a wireless banking system or a TV banking system. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or TV banking systems or future non-face-to-channel banking systems, and the technical configuration of the present invention is illustrated in FIGS. 14A, 14B and 14C. It is by no means limited to Internet banking.

In addition, although the method shown in FIGS. 14A, 14B, and 14C includes a process of generating the predetermined electronic document and storing the electronic document in an electronic document storage, the process may be omitted according to the intention of those skilled in the art. The present invention is not limited thereby.

In the following figures 14a, 14b and 14c, the client terminal is referred to as a " terminal " for convenience, and an internet banking server corresponding to the financial institution server 105 is referred to as " server " for convenience.

Referring to FIGS. 14A, 14B, and 14C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1400a), the server connects the terminal and the server through the browser. The communication channel is connected to the terminal (1405a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

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

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 1410a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be installed or updated in the terminal (1415a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. Mount or update (1420a).

If the terminal does not need to install or update the latest version of the Internet banking security module (1425a), or if the terminal does not need to load or update the Internet banking security module (1415a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (1430a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal may verify the digital signature or correspond to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server to register the account opening application information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registration of account opening application information. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1435a).

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

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

Subsequently, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (1440a). In operation 1445a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for the non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1450a), the server blocks the Internet banking secure channel for the terminal (1455a), thereby preventing the Internet banking-based financial transaction through the terminal.

On the other hand, if the Internet banking customer authentication succeeds (1450a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1460a), where the Internet banking-based The financial transaction channel refers to a communication channel that can transmit and register predetermined account opening application information for limiting the withdrawal of another corporate management account such as an investment association from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for limiting the withdrawal of another corporate management account such as the investment association to the server through an internet banking-based financial transaction channel (1400b), the server correspondingly Generates (or selects) a web page including a user interface for inputting (or selecting) account information, corporate management account application information, and account opening application information including at least one account property information to the server ( Or 1405b), and transmits and outputs a webpage including the generated (or extracted) user interface to the terminal through the internet banking-based financial transaction channel (1410b).

According to an embodiment of the present invention, the web page includes a user interface for inputting (or selecting) account opening application information including at least one of trust company information, corporate management account application information, and account attribute information in the terminal. It is preferable to include, or to verify the validity of the Internet banking customer requesting to register the account opening application information, a predetermined password or security card information (for example, to the security card issued to the customer during the Internet banking application process Printed security card information) or one time password (eg, a one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface for inputting.

In addition, the process of transmitting or outputting the web page to the terminal is preferably performed at least once according to the account opening application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) account opening application information including at least one of the trustee information, the corporate management account application information, and the account attribute information through the financial account opening interface (1415b).

If the terminal receives (or selects) the account opening application information including the trustee information, the corporate management account application information, and the account attribute information through the user interface (1420b), the terminal transmits the financial transaction channel. The input (or selection) through the account opening application information is transmitted to the server (1425b).

According to an embodiment of the present invention, the terminal validates the validity of the account opening application information in the server in the account opening application information including at least one of the trustee information, the corporate management account application information, and the account attribute information. Preferably, at least one or more of a predetermined password or security card information or a OTP code generated through a predetermined one time password (OTP) generator is transmitted to the server through the network means.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for account opening application information including at least one of the trustee information, the corporation management account application information, and the account attribute information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method), or by attaching a predetermined electronic signature to the account opening application information to the server through the network means. Preferably, the terminal has at least one or more encryption keys corresponding to the encryption scheme, or a predetermined public certificate including at least one or more encryption keys, or the public certificate has a predetermined certificate. When equipped with an IC chip (or IC card), the IC chip (or IC card) It provided a card reader to verify the bidoen certificate is preferred.

According to an embodiment of the present invention, the terminal includes at least one encryption method (eg, symmetric key-based encryption) for account opening application information including at least one or more of the trustee information, the corporate management account application information, and account attribute information. Method, or a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method) and transmits the encrypted data to the server through the network means. The IC chip, provided with a corresponding at least one encryption key, or with a predetermined certificate containing at least one encryption key, or when the certificate is provided on a predetermined IC chip (or IC card) (Or IC card) is equipped with a card reader for checking the certificate It is good.

Those of ordinary skill in the art to the present invention, the technical characteristics of the various encryption schemes for encrypting the account opening application information, and the technical characteristics of attaching a predetermined electronic signature to the account opening application information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the account opening application information through the financial transaction channel to check the validity of the account opening application information (1430b).

According to an embodiment of the present invention, the account opening request information may be at least one encryption method (for example, a symmetric key based encryption method, a public key based encryption method, an electronic envelope based encryption method, or a key exchange based encryption method, etc.). Is encrypted, the server may include the at least one decryption method (for example, a symmetric key based decryption method, a public key based decryption method, or an electronic envelope based decryption method) corresponding to the encryption method. Or a key exchange based decryption scheme), so as to authenticate the validity of the received account opening application information.

Alternatively, when a predetermined electronic signature is attached to the account opening application information, the server may verify the validity of the received account opening application information by checking the electronic signature attached to the account opening application information. .

Those skilled in the art to which the present invention pertains include technical features for various decryption methods for decrypting the encrypted account opening application information, and technical features for confirming the electronic signature attached to the account opening application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the account opening application information received through the information receiving unit 910 further includes a predetermined password for confirming the validity of the account opening application information, the server opens the account. It is preferable to verify the validity of the received account opening application information by comparing and authenticating a password included in the application information with a password provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes predetermined security card information for confirming the validity of the account opening application information, the server may include the account opening application information. It is preferable to verify the validity of the received account opening application information by comparing and authenticating the received security card information and the security card information provided corresponding to the customer on the DBMS.

Alternatively, when the account opening application information received through the information receiving unit 910 further includes a predetermined OTP code for checking the validity of the account opening application information, the server is included in the account opening application information. It is preferable to authenticate the validity of the received account opening application information by comparing and authenticating the received OTP code and the OTP code generated based on the predetermined OTP generation information provided corresponding to the customer on the DBMS. .

According to the implementation method of the present invention, the validity confirmation of the account opening application information is at least matched to the account opening application information in the ledger D / B 1100 on the financial system 115 associated with the corporate management account opening system It is preferable to include checking whether one or more ledger information is registered.

For example, the validity confirmation of the account opening application information may be performed by checking the customer information among the information included in the account opening application information in the ledger D / B 1100 on the financial system 115 associated with the corporate management account opening system. It is desirable to include a check that matches the stored customer ledger.

In addition, the validity confirmation of the account opening application information is the information contained in the account opening application information, the company information on the ledger D / B (1100) on the financial system 115 linked to the corporate management account opening system And confirming whether the information is matched with the information of the consigned company.

If the validity of the account opening application information is not authenticated (1435b), the server generates a web page including predetermined financial account error information and transmits the generated webpage to the terminal (1440b). Do not perform.

On the other hand, if the validity of the account opening application information is authenticated (1435b), the server may include at least one or more consignment company information including the account opening application information, corporate management account application information, and account attribute information. A document content is generated (1445b), and a predetermined corporate management account opening electronic document including the document content is generated (1450c).

According to an embodiment of the present invention, the server generates document content including at least one or more of the consignment company information, the corporate management account application information, and account attribute information included in the received account opening application information, Document files containing document contents (eg, Portable Document Format (PDF) files, Electronic Data Interchange (EDI) files, Word processor files including at least one or more such as HWP / DOC, or Web document files including MHT) Etc.) is preferably treated as an electronic document for opening a corporate management account for the purpose of limiting the withdrawal of other corporate management accounts such as the investment association.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and account attribute information included in the received account opening application information, and the application for opening the account in the document content. Document file containing document contents including the watermarking after including at least one of the information of the consigned company, the corporate management account application information, and the account attribute information included in the 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 of HWP / DOC, or a web document file including an MHT). It is preferable to process the electronic document to open a corporate management account to limit the withdrawal of the management account.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. It is preferable to process an image file including an image content (e.g., image content generated by capturing the document content on a memory) into an electronic document opening of a corporate management account for limiting the withdrawal of another corporate management account such as the investment association. Do.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. Water image information (e.g., image content generated by capturing the document content on a memory) includes at least one or more information of a consignment company information included in the account opening application information, a corporate management account application information, and account attribute information. After including the watermarking method, it is preferable to process an image file including the image content including the watermarking as an electronic document for opening a corporate management account for withdrawal restrictions on other corporate management accounts such as the investment association.

According to another embodiment of the present invention, the server generates document content including at least one or more of the consigned company information, corporate management account application information, account attribute information included in the received account opening application information, A predetermined document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data)) including an image content of capturing the document content (eg, image content generated by capturing the document content on a memory). Interchange), or a word processing file including at least one of HWP / DOC, or a web document file including MHT), thereby creating a corporate management account for withdrawal restrictions on other corporate management accounts such as the investment association. It is preferable to process the opened electronic document.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. Water image information (e.g., image content generated by capturing the document content on a memory) includes at least one or more information of a consignment company information included in the account opening application information, a corporate management account application information, and account attribute information. Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, or HWP /) including the watermarking image content. Generating a word processor file including at least one DOC or the like, or a web document file including the MHT; It is treated as an investment, other combinations, such as corporate governance corporate account management account opening electronic documents for the withdrawal limit for the preferred.

According to another embodiment of the present invention, the server generates document content including at least one or more of the consignment company information, corporate management account application information, account attribute information included in the received account opening application information and And a predetermined document file (eg, Portable Document Format (PDF)) containing image content (eg, image content generated by capturing the document content on a memory) and the account opening request information. File, 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). It is preferable to process the electronic document to open a corporate management account for withdrawal restrictions.

Alternatively, the server generates document content including at least one or more of the consigned company information, the corporate management account application information, and the account attribute information included in the received account opening application information, and captures the document content. Water image information (e.g., image content generated by capturing the document content on a memory) includes at least one or more information of a consignment company information included in the account opening application information, a corporate management account application information, and account attribute information. Generate image content including a watermarking method, and include a document file (eg, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file containing the watermarking image content and the account opening request information. ), A word processor file containing at least one or more HWP / DOC, etc., or a web document wave containing the MHT Job, etc.), it is preferable to process it as an electronic document for opening a corporate management account for limiting the withdrawal of other corporate management accounts such as the investment association.

In the technical field to which the present invention belongs, the technical features of the server to create a corporate management account opening electronic document in the image file format or a predetermined document file format, and the corporate management account opening electronic document Since the technical features of the file format for the corresponding image file or document file will be familiar, detailed description thereof will be omitted for convenience.

Thereafter, the server stores the created corporate management account opening electronic document in a predetermined electronic document storage (1455c).

As shown in FIG. 9, the electronic document repository includes a predetermined electronic document server 950 and an electronic document D / B 970 associated with a server on the corporation management account opening system through predetermined communication means. When provided externally, the server preferably transmits the generated corporate management account opening electronic document to the electronic document server 950 through the communication means to store in the electronic document D / B (970). .

Alternatively, when the electronic document repository is provided on a DBMS provided in the corporate management account opening system, the server may send the generated corporate management account opening electronic document to the DBMS provided in the corporate management account opening system. It is possible to store in the electronic document D / B 970 corresponding to the storage, by which the present invention is not limited.

According to an embodiment of the present invention, storing the corporate management account opening electronic document in the former advisory document storage is performed by linking the generated corporate management account opening electronic document and predetermined electronic document management information to FIG. 9. It is preferable to include storing in the electronic document D / B 970 shown.

Here, the electronic document management information preferably includes a predetermined electronic document unique number (or unique information) assigned to the corporate management account opening 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 corporate management account opening electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the account opening application information, or financial institution information transmitting the corporate management account opening electronic document, or electronic). Document file format information or the account opening application information).

If the electronic document opening electronic document is stored in the electronic document storage (1460c), the server is based on the information on the consignee company included in the account opening application information, corporate management account application information, account attribute information Generate financial account information (1465c).

Herein, the financial account information may include account information and interest rate information corresponding to the corporate management account opened based on the account opening application information, and when the corporate management account includes a savings attribute, It is preferable that the subscription period, the payment date and time, and the amount of payment information.

Thereafter, the server includes the financial account information based on the trust company information included in the account opening application information, the corporate management account application information, and the account attribute information in association with the financial system 115. Open and process a financial account in the name (1470c).

According to the method of the present invention, the server generates a customer ledger including the corporate information included in the financial account opening application information in connection with the financial system 115 (or matched with the corporate information, the customer is already provided Check the ledger), generate predetermined account ledger information including the financial account information, and store the account ledger information in a predetermined account ledger associated with the customer ledger, corresponding to the account opening application information. It is characterized by opening a predetermined financial account for the withdrawal restrictions on other corporate management accounts, such as the investment association.

According to an embodiment of the present invention, when the server and the financial system 115 exist in the same system, the server connects the financial account information to the ledger D / B 1100 in association with the financial system 115. It is desirable to create a predetermined ledger to include.

According to another exemplary embodiment of the present invention, when the server and the financial system 115 exist on another system connected through a predetermined communication means, the server is connected to the financial system 115 through a predetermined communication means. It is preferable to request the general ledger D / B 1100 on the other financial system 115 to generate a predetermined account ledger including the financial account information through the external system.

Subsequently, the server generates account management information including at least one of the account information, the window transaction blocking information, the CC transaction attribute information, and the consignment company information included in the account opening application information. 1105) (1475c).

According to an exemplary embodiment of the present invention, when the storage medium 1105 is provided in the server or on a network associated with the server, the server includes the account information included in the received account opening request information. Preferably, the storage medium 1105 stores account operation information including at least one of the counter transaction blocking information, the CC transaction attribute information, and the trust company information.

According to another exemplary embodiment of the present invention, when the storage medium 1105 is provided in a DBMS provided on the financial system 115, the server includes the account information included in the received account opening application information and a window. Account management information including transaction blocking information, CC transaction attribute information, and at least one trust company information is provided to the DBMS provided on the financial system 115 by providing the information system through the external system on the financial system 115. It is desirable to store.

Thereafter, the server sets predetermined financial account opening history information (eg, the corporation management account opening history, or the history of storing the corporation management account opening electronic document in the electronic document repository, or the account in the storage medium 1105). Details of the establishment application information) are generated (or extracted) and transmitted to the terminal (1480c).

According to one embodiment of the invention, the storage medium 1105 is preferably provided in a DBMS on the financial system 115 provided on the corporate management account opening system (or associated with the corporate management account opening system). In this case, the storage medium 1105 may be a ledger D / B 1100 provided in the DBMS on the financial system 115 or a predetermined database associated with the ledger D / B 1100. Thereby, this invention is not limited.

According to another embodiment of the present invention, the storage medium 1105 is provided with (or associated with) an Internet banking system, a telebanking system, a wireless banking system, or a TV banking provided on the corporate account opening system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

FIG. 15 is a diagram illustrating a corporate management account operating system for limiting the withdrawal of another corporate management account such as an investment association according to an embodiment of the present invention.

In more detail, in FIG. 15, the corporation management account opened through the corporation management account opening system shown in FIG. 15 is operated based on the account management information stored in the storage medium 1535. Regarding the system configuration to achieve the withdrawal restrictions for, those of ordinary skill in the art to which the present invention pertains, with reference to or modify the drawing 15 for the withdrawal restrictions on other corporate management accounts, such as the investment association Various implementation methods for the corporate management account management system may be inferred, but the present invention includes all the implementation methods inferred above, and the technical features are not limited to the implementation method shown in FIG.

Referring to FIG. 15 according to an embodiment of the present invention, the corporate management account operating system may include a financial system 115 having a ledger corresponding to a corporate management account opened through the corporate management account opening system shown in FIG. 15. A storage medium 1535 for storing account information including at least one of the corporation information, account information, counter transaction blocking information, CC transaction attribute information, and consignment company information; and the financial system 115. In addition to operating the corporate management account in conjunction with, the account management information stored in the storage medium (1535) periodically checks the financial account management server to achieve the withdrawal restrictions on other corporate management accounts, such as the investment association Characterized in that made.

Here, the storage medium 1535 is provided in the ledger D / B 120 on the financial system 115, or in a predetermined database associated with the ledger D / B 120 according to the intention of the skilled person Or, it is possible to be provided on at least one or more banking systems, all by which the present invention is not limited.

In addition, the financial account management server is a ledger server provided in the financial system 115, or the financial company server 105 on the corporate management account opening system shown in Figure 15, or the financial system shown in Figure 15 Various banking servers (e.g., an Internet banking server, a wireless banking server, a telebanking server, a home banking server, a TV banking server, etc.) operating the corporate management account in connection with 115, or other corporate management such as the investment association. It may be a separate server provided to achieve the withdrawal restrictions on the account, whereby the present invention is not limited.

In addition, in FIG. 15, the financial account management server functions to operate the corporate management account in association with the financial system 115 and periodically checks the account operation information stored in the storage medium 1535. Although illustrated including all the functional configuration to achieve the withdrawal restrictions for other corporate management accounts, such as investment associations, the present invention is not limited by this, the financial account management server is a separate server for each functional configuration (or It is clear that this may be achieved through a device).

Hereinafter, the subject submitting the application for opening a corporate management account on the corporate management account opening system shown in FIG. 15 is a financial institution such as a trust company, which is authorized to invest an account of another corporation such as an investment association. The responding entity is called the “customer” for convenience.

The financial system 115 is a general term of a computer system in which a ledger corresponding to the corporate management account opened through the corporate management account opening system shown in FIG. 15 is provided, and is basically a branch (or a branch) of the financial institution. At least one window terminal provided in the) and a predetermined financial network (for example, through the network), characterized in that connected to, through the window terminal provides at least one financial transaction service face-to-face financial services for customers. do.

The financial system 115 may include at least one financial terminal including a cash dispenser / automatic teller machine (CD / ATM) provided at a branch (or branch) of the financial institution, or at least one affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place and connected through a predetermined financial network (for example, a CD common network). The non-face-to-face financial transaction service for at least one financial transaction customer is provided through the financial terminal.

In addition, the financial system 115 is characterized in that it is associated with a predetermined Internet banking server, a network (for example, wired Internet, or IEEE 802.11x based wireless LAN connected to a TCP / IP-based backbone network through the Internet banking server) Or at least one client terminal (eg, a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to the IEEE 802.16x based portable Internet, and the wireless LAN / portable Internet access and browsing. Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or a mobile terminal equipped with a function).

In addition, the financial system 115 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, or IEEE 802.16) through the wireless banking server At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for GSM (GSM) having access and browsing functions connected to the mobile communication network) connected to an x-based portable Internet, or a DataTAC / Mobitex-based wireless data communication network. A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a mobile terminal or a personal digital assistant (PDA) or a smart phone or telematics.

The financial system 115 may be connected to a predetermined IC chip-based wireless banking server, and may be based on a predetermined wireless network (eg, CDMA (Code Division Multiple Access)) through the IC chip-based wireless banking server. At least one financial transaction customer via at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to a mobile communication network, an IEEE 802.16x based portable Internet, or a DataTAC / Mobitex based wireless data communication network. It provides IC chip based non-face-to-face financial transaction service.

In addition, the financial system 115 is connected to 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) or at least one wireless communication terminal (e.g., a PCS or GSM terminal) connected to a predetermined wireless voice communication network (e.g., a mobile communication network based on Code Division Multiple Access (CDMA)) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a smartphone, etc.).

In addition, the financial system 115 is characterized in that associated with a predetermined home banking server, at least one or more home appliances (eg, digital TV or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Etc.) provides non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system 115 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. 15, the financial system 115 may be provided at 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 account 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 window), an information system for processing a headquarters business, branch office information support, and corporate information management; Interconnection between the financial system 115 and at least one other financial system 115 (or payment system), or at least one non-face-to-face financial transaction means (e.g., Internet banking, Wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) And an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system 115 further includes the financial system. An interface module corresponding to a middleware platform that provides inter-component interfacing within the 115 and predetermined information (eg, ledger information, Or a DBMS (DataBase Management System) including at least one database for storing and managing customer information, management information, etc.).

In addition, the financial system 115 is intended by those skilled in the art or the types of financial institutions (for example, commercial banks, savings banks, trust banks) provided with the financial system 115 and the purpose and characteristics of the financial system 115. According to the present invention, it is possible to further include at least one or more components such as foreign exchange module (not shown), investment finance module (not shown), and international module (not shown), and are commonly known in the art. Those skilled in the art will be familiar with the detailed technical matters of the financial system 115, and thus the detailed description thereof will be omitted for convenience, and the present invention is not limited thereto.

According to the invention, the DBMS provided in the financial system 115, the financial institution opens at least one financial account to at least one financial transaction customer, at least one financial transaction service based on the financial account And at least one ledger D / B 120 for storing at least one ledger for providing, wherein the ledger D / B 120 includes at least one financing to be provided to the financial transaction customer by the financial institution. At least one ledger information (e.g., customer ledger, reception ledger, collateral ledger, etc.) for transaction processing, and at least one ledger corresponding to each ledger information (e.g., specifying or supplementing the attributes / functions of each ledger) The additional information is characterized in that it is stored in association with the relationship (Relationship).

Those skilled in the art to which the present invention pertains include at least one ledger information provided in the ledger D / B 120 according to the type of each financial institution and the purpose and characteristic of the financial system 115; Not only do you know at least one ledger additional information corresponding to each ledger information, but each ledger information is linked and stored in relational relation, or predetermined ledger information and at least one ledger additional information are linked relationally. Since it will be understood that the processed and stored, detailed description thereof will be omitted for convenience.

The storage medium 1535 stores the corporation information, the account information, the window transaction blocking information, the CC transaction attribute information, and the trust company information through the corporation management account opening system shown in FIG. As a generic term for storage means for storing account operation information including at least one, the storage medium 1535 is provided in the ledger D / B 120 on the financial system 115, or the ledger according to the intention of the skilled person It may be provided in a predetermined database associated with the D / B 120, or on at least one banking system.

The customer information includes information on the trustee of the trustee (e.g., trade names, business registration numbers, representative telephone numbers, etc.) for financial institutions such as investment associations or corporations that combine storage and management of investment trust property; Member information of the consignment company (e.g., in the customer ledger on the financial system 115 associated with the corporate management account opening system corresponding to the consignment company by joining the consignment company as a financial transaction customer of the financial institution). At least one member ID information, a CIF (Customer Information File) number, or the like).

The account information is account information of the CC account information stored in the ledger information of the financial system 115 linked to the financial account management server, the account information is preferably connected in relation to the account management information.

The counter transaction blocking information is linked to the account attribute information, and is a general counter, not a computer center, for a cash asset management account having a fixed property such that a mass transaction of a financial institution can be processed in a batch processing form within a predetermined time at a computer center. Characterized in that it has a property to block the transaction request occurring in.

The CC transaction attribute information has a property of allowing only CC transactions of a computer center to a cash asset management account having a property that allows a mass transaction of a financial institution to be processed in a batch processing form within a predetermined time at a computer center. It is done.

The consignment company information may be configured by converting a seal of a financial institution including a consignment company that has opened a corporate management account into image data.

Referring to FIG. 15, the financial account management server may operate at least one terminal device 100 and the corporation management account to operate a corporation management account opened through the corporation management account opening system shown in FIG. 15. An interface unit 1505 for connecting a communication channel for receiving an information receiver 1510 for receiving predetermined corporate management account usage information for operating the corporate management account from the terminal device 100 in association with the interface unit 1505; And a financial account operating unit 1530 for operating the corporate management account in connection with the financial system 115 based on the received corporate management account usage information. Accordingly, the financial account management unit 1530 may be formed of at least two or more functional components (or means) in more detail, thereby the present invention. It shall not be limited.

According to an exemplary embodiment of the present invention, when the terminal device 100 is an employee terminal connected to a predetermined communication network (eg, a financial network), the interface unit 1505 may be configured based on the protocol stack defined in the communication network. Connecting at least one communication channel with an employee terminal and transmitting and receiving at least one information (or data) for operating the corporate management account with the employee terminal using a communication protocol defined in a financial transaction program provided in the employee terminal. It is desirable to provide a communication interface.

According to another exemplary embodiment of the present invention, when the terminal device 100 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1505 is based on the protocol stack defined in the wired communication network. At least one or more information for connecting the predetermined communication channel with the device 100 and operating the wired terminal and the corporate management account using a communication protocol defined in a financial transaction program included in the terminal device 100; It is desirable to provide a communication interface for transmitting and receiving data).

For example, when the terminal device 100 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1505 may be connected to the terminal device 100 based on the TCP / IP protocol. Linking a communication channel and using a HTPP protocol defined in the browser program, a predetermined web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or information (or data) for operating the corporate management account. It provides a communication interface for transmitting and receiving.

Or, if the terminal device 100 is provided with a predetermined financial transaction program directly interworking with the financial account management server, the interface unit 1505 is connected with the terminal device 100 based on the TCP / IP protocol. It provides a communication interface connecting a communication channel and transmitting and receiving information (or data) for operating the corporate management account using a communication protocol defined in the financial transaction program.

According to another exemplary embodiment of the present invention, when the terminal device 100 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1505 is based on the protocol stack defined in the wireless communication network. Connect a predetermined communication channel with the terminal device 100, and at least one or more information (or data) for operating the corporate management account using a communication protocol defined in the financial transaction program provided in the terminal device 100 It is desirable to provide a communication interface for transmitting and receiving.

For example, when the terminal device 100 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol, the interface unit 1505 is based on the CDMA / WCDMA protocol. Connect a communication channel with 100 and use a WAP / ME protocol defined in the browser program to designate a predetermined web page (e.g., WML (Wireless Markup Language) compatible web page, or HTML compatible) for operating the corporate management account. Web page) or information (or data) interface.

Alternatively, when the terminal device 100 is provided with a predetermined financial transaction program directly interworking with the financial account management server, the interface unit 1505 may be connected to the terminal device 100 based on the CDMA / WCDMA protocol. It provides a communication interface connecting a communication channel and transmitting and receiving information (or data) for operating the corporate management account using a communication protocol defined in the financial transaction program.

The information receiving unit 1510 may receive predetermined corporate management account usage information for operating the corporate management account from the terminal device 100 in association with the interface unit 1505. The account usage information is provided to the financial account manager 1530.

For example, the corporate management account usage information may include transaction request information (predetermined deposit transaction amount and withdrawal account information from which the amount is withdrawn) for the corporate management account, transaction request corporate information, and transaction request. It can be configured to further include the seal information of the customer.

The financial account manager 1530 may perform various financial transaction procedures for the corporate management account in connection with the financial system 115 based on the received corporate management account usage information.

According to an embodiment of the present invention, when the corporate management account use information includes deposit transaction request information (for example, a predetermined deposit transaction amount and withdrawal account information with which the amount is withdrawn) for the corporate management account, the financial It is preferable that the account manager 1530 performs a deposit transaction procedure for the corporate management account in connection with the financial system 115 based on the corporate management account usage information, and the details of the deposit transaction are recorded in the corporate management account. It is desirable to record in the ledger corresponding to

According to another embodiment of the present invention, withdrawal transaction request information for the corporate management account in the corporate management account usage information (for example, deposit account information in which a predetermined withdrawal transaction amount and the amount withdrawn from the corporate management account are deposited). Is included, the financial account management unit 1530 performs a withdrawal transaction (or transfer transaction) procedure for the corporate management account in connection with the financial system 115 based on the corporate management account usage information. Preferably, it is preferable to record the withdrawal transaction details in the ledger corresponding to the corporate management account.

In addition, the financial account manager 1530 periodically checks the amount deposited in the corporate management account, and interest (or proceeds) on the deposit amount according to the interest rate (or profit rate) corresponding to the corporate management account. It is preferable to calculate, and deposit the calculated interest (or proceeds) into the corporation management account, and record the interest (or proceeds) deposit details in the ledger corresponding to the corporation management account.

Those skilled in the art will be familiar with the method of calculating the yield corresponding to the proceeds, so a detailed description thereof will be omitted.

Referring to Figure 15, the financial account management server, the financial account management unit 1530 in conjunction with the financial system 115 in order to limit the withdrawal of other corporate management accounts, such as the investment association, the corporate management account; During operation, the account management information and financial transaction usage information including the corporate information, account information, counter transaction blocking information, CC transaction attribute information, and consignment company information are checked in connection with the storage medium 1535. An information confirmation unit 1515 (or information confirmation means), a transaction confirmation unit 1520 (or transaction confirmation means) for confirming whether the financial transaction corresponding to the corporate management account usage information is the headquarters CC transaction, and the financial system 115 ), And confirms a transaction request for the corporate management account based on the identified corporate information, account information, counter transaction blocking information, CC transaction attribute information, and consignment company information. In the case of an old transaction, a transaction approval unit 1525 is provided to block a transaction request. The financial account manager 1530 operates a transaction processing of a corporate management account based on the identified transaction request. It features.

When the information receiving unit 1510 receives and confirms the corporate management account use information, the information checking unit 1515 corresponds to the corporate management account using information including a transaction request in association with the storage medium 1535. The corporation information, the account information, the window transaction blocking information, the CC transaction attribute information, the consignee company information is checked, and the corporate management account usage information is checked and compared. It is characterized by checking whether a financial transaction occurs.

In relation to the financial transaction corresponding to the corporate management account usage information confirmed by the information checking unit 1515, the transaction checking unit 1520 may include the corporate information stored in the storage medium 1535, the account information, and the The counter transaction blocking information, the CC transaction attribute information and the consignment company information are checked to determine whether the financial transaction type is the headquarters CC transaction requested by the consignment company.

When the transaction confirmation unit 1520 confirms the corporate management account usage information as a transaction corresponding to the headquarters CC transaction requested by the consignment company, the transaction approval unit 1525 may perform a financial transaction on the corporate management account usage information. If the transaction confirmation unit 1520 confirms the corporate management account usage information as a transaction that does not correspond to the headquarters CC transaction requested by the consignee, the transaction approval unit 1525 is a transaction error (e.g., Window transaction blocking government), so that the financial transaction cannot be processed in the financial account manager 1530.

When the transaction approval unit 1525 checks the transaction request included in the corporate management account usage information and confirms it as the CC transaction request of the computer center, the financial account management unit 1530 is included in the corporate management account usage information. The transaction request information is performed in connection with the financial system 115, and the transaction history is booked in the ledger of the financial system 115.

For example, the transaction request information included in the corporate management account usage information may include a corporate management account deposit transaction request and a corporate management account withdrawal transaction request generated when the customer's investment expires in order to deposit the investment amount of the customer. It is preferable to comprise.

FIG. 16 is a diagram illustrating a process of processing information for confirming and approving a transaction request of a corporate management account transmitted from the terminal device 100 and processing a transaction request of a corporate management account according to an exemplary embodiment of the present invention. .

In more detail, in FIG. 16, the financial account management server 110 shown in FIG. 16 receives corporate management account usage information transmitted through a predetermined terminal device 100, and the financial account management server 110. Check the account management information stored in the linked storage medium 1535 and confirm whether the account transaction included in the corporate management account usage information is the corporate management account window, and approve the account transaction only when the account transaction is the corporate management account window. And a method for processing, the person having ordinary skill in the art to which the present invention pertains receives and confirms the information sent from the terminal device 100 by referring to or modifying the present drawing 16, and then the corporate management account. Various implementation methods may be inferred for the process of processing the transaction of the present invention, but the present invention includes all the implementation methods inferred above, as shown in FIG. Not limited to the city way.

Hereinafter, in FIG. 16, the financial account operation server 110 shown in FIG. The user of is called "customer" for convenience.

Referring to FIG. 16, when a predetermined customer transmits corporate management account usage information to a server through a predetermined terminal, the server receives corporate management account usage information transmitted from the terminal device 100 (1600). Checks the corporate management account transaction request included in the corporate management account using information transmitted from the terminal device 100 at the server (1605), the corporate information stored in the storage medium 1535 at the server, account information, Checking the account operation information including at least one of the counter transaction blocking information, the CC transaction attribute information, and the trade company seal information (1610), the corporate management account transaction request includes the corporation information, the account information, and the counter. In operation 1615, the transaction blocking information, the CC transaction attribute information, and the account management information including at least one of the trade company seal information are matched with each other.

For example, the corporate management account usage information may include transaction request information (predetermined deposit transaction amount and withdrawal account information from which the amount is withdrawn) for the corporate management account, transaction request corporate information, and transaction request. It can be configured to further include the seal information of the customer.

If the server checks whether the corporate management account transaction request and the account management information match, the corporate management account transaction request is the corporate information, the account information, the window transaction blocking information, the CC transaction attribute information and When it is determined that the information does not match the account management information including at least one of the trustee information (1620), the server blocks or rejects the processing of the corporate management account transaction request (1625), and generates an error message By transmitting to the terminal device 100 (1630), the terminal device 100 confirms and approves the transaction request of the corporate management account, and terminates a series of processes for processing the transaction request of the corporate management account. do.

On the other hand, the server checks whether the corporate management account transaction request and account management information matching, the corporate management account transaction request is the corporate information, the account information, the window transaction blocking information, the CC transaction attribute information And, if it is determined that the match with the account management information including at least one of the information of the consignee company (1620), the server determines the type of the corporate management account transaction included in the corporate management account request to the corporation Check that the management account transaction request is a corporate management account transaction (1635).

If the server determines the corporate management account transaction request and checks that the transaction is based on the general window transaction or the general window transaction, rather than the corporate management account transaction (1640), the server determines the corporate management account transaction request. By blocking or rejecting the process (1625), generating an error message and transmitting it to the terminal device (100) (1630) to confirm and approve the transaction request of the corporate management account transmitted from the terminal device (100), and the corporate management account. This concludes the process of processing a transaction request.

On the other hand, when the server determines the corporate management account transaction request, and confirms the corporate management account transaction, not the corporate management account transaction (1640), the server processes the transaction history corresponding to the corporate management account transaction request (1645). ), The corporate management account transaction history processed by the server in association with the financial system 115 is recorded in the ledger account of the financial system 115 (1650), and generates a message about the transaction history processed by the server By transmitting to the terminal (1655), the terminal device 100 confirms and approves the transaction request of the corporate management account, and terminates the series of processes for processing the transaction request of the corporate management account.

According to the present invention, the investment amount entrusted by an investment association or corporation of a entrepreneurship investment company is protected from financial accidents, and by limiting the withdrawal that the investment association or corporation of the entrepreneurship investment company processes through general counter transactions. By securing the stability, there is an effect that can provide a better service to customers.

In addition, for customers who want to secure and protect the stability of investment assets, satisfying the customer's requirements, there is an effect that can generate revenue by attracting new customers.

Claims (4)

When opening a predetermined corporate management account in a given trust company, the account information corresponding to the corporate management account, the window transaction blocking information for blocking the window trading of the corporate management account, and the headquarters CC of the corporate management account (Center- Cut) a storage medium for storing the CC transaction attribute information for activating only the transaction and the information of the consignee company operating the corporation management account; Information checking means for confirming whether a predetermined financial transaction corresponding to the corporation management account occurs in association with the storage medium; Transaction confirmation means for confirming whether a financial transaction corresponding to the corporate management account is a headquarters CC transaction when the financial transaction occurrence of the corporate management account is confirmed as the result of the confirmation; If the financial transaction corresponding to the corporate management account is the headquarters CC transaction, the financial transaction corresponding to the corporate management account is approved in association with the storage medium; and if the financial transaction is not the headquarters CC transaction, the financial transaction is associated with the storage medium. And a transaction approval means for blocking a financial transaction corresponding to the corporation management account. The method of claim 1, wherein the counter transaction blocking information is Block a financial transaction requested through a predetermined window in response to the corporation management account; or Block a financial transaction requested through a predetermined financial automated device in response to the corporate management account; or The corporate management account management system, characterized in that to block the financial transactions requested through the non-face-to-face financial transaction channel corresponding to the corporate management account. When opening a predetermined corporate management account in a given trust company, the account information in a predetermined information storage means, window transaction blocking information for blocking a window transaction of the corporate management account, and the headquarters CC of the corporate management account (Center- Cut) storing in a predetermined storage medium by linking the CC transaction attribute information for activating only the transaction with the information of the consignee company operating the corporate management account: Confirming, by a predetermined information confirming means, a predetermined financial transaction corresponding to the corporate management account in association with the storage medium; If the financial transaction occurrence of the corporate management account is confirmed as a result of the checking, confirming whether a financial transaction corresponding to the corporate management account is a headquarters CC transaction by a predetermined transaction checking means; If the financial transaction corresponding to the corporate management account is the headquarters CC transaction, if the financial transaction corresponding to the corporate management account is approved by a predetermined transaction approval means in association with the storage medium, and the financial transaction is not the headquarters CC transaction, Blocking a financial transaction corresponding to the corporate management account in association with the storage medium. A recording medium comprising a program for executing the method of claim 3.

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